-
Moneybox: Open access cash ISA interest to be paid monthly
Hi all :) Got an email today saying interest that my Open Access Cash ISA interest will soon be paid monthly rather than annually. Personally, I am in favour :) Below what the email said. Thanks :) Hi, we’re pleased to say that coming soon, the interest on your Open Access Cash ISA will change from annual to monthly…
-
Moneybox ISA
My current Cash Isa has just ended and I was looking to transfer my funds elsewhere I have heard moneybox are offering a decent rate and are easy to deal with, can anyone comment on customer service with them please. Ideally I am looking for a well known name with a decent intereste rate. TIA
-
Moneybox no return policy
Hello all, Looking for advice as to whether I should transfer out, despite the non-return clause. I have a LISA (now 3.8%) and a cash ISA (now 4%) with Moneybox. Thier introduction boosted rates have weeded off and the accounts have had a slight drop in rates due the Bank of England dropping rates. I have just found out…
-
Isa Tranfers - Lower Interest Rate when transfering in from other years
Hi, I have been adding over the last years the 20K to my ISAallowance, today my situation is this: * 2023 - 2IK - CHIP - 4.06% * 2024 - 20K - Trading 212 - 4.10% * 2025 - 3K - Plum - 4.79 % The challnege is when I try to tarnfer in from other years or providers PLUM offers less like 3.5 aprox. Can anybody recommend what…
-
Using late wife's accumulated income in S&S ISAs as surplus for IHT purposes
My wife passed away in July late year and probate was granted about 6 weeks ago. Her entire ISA holdings have been transferred to me under APS allowance including her stocks and shares ISA. Because we couldn't reinvest her funds she has accumulated about £20k in interest, sitting now as cash in my account. Will there be…
-
Transfer S&S ISA from Vanguard to Trading 212
I’m trying to transfer my S&S ISA to Trading 212, but T212 will only let me proceed with a cash transfer, meaning my funds will be out of the market for up to 30 days. I’ve never transferred a S&S ISA before, is this a regular practice? Also, I’m currently on the 80% Lifestrategy, would anyone know what T212 equivalent is…
-
Saffron BS Cash ISA fixed 2 years
I recently opened a Cash ISA @ Saffron BS, It was the one listed in the best 2 year fixed and was sure you could transfer in other ISA's. Can anyone confirm if they also saw the Online and Transfer in option?
-
Transferring from flexible and non-flexible cash ISA
Can someone clarify if the following is possible to do this in this scenario: I currently am with an ISA provider that offers a flexible cash isa type and where I am fully subscribed to the current cash ISA limit of £20,000. If I were to withdraw some funds today from this flexible ISA provider (eg. £1,000 or £2,000) but…
-
Eligibility Criteria for Lifetime ISAs
Dear all, I have a question for the hopefully better-informed members of this community. My friend and I are both looking into getting Lifetime ISAs. However, the MSE article on these gave us pause. The article states that you aren't eligible for this ISA if you ever owned a house or a share of a house. My friend lost a…
-
17 year old in ISA limbo
Hello MSE, my son opened a cash ISA in 23/24 tax year. He was aged 16 years old at time of opening. He can add more money to the same ISA in 24/25 tax year. However as his birthday was close to the end of tax year the ISA he opened was done in a rush and the savings rate is awful (sub 2%)! He wants to move last years cash…
-
Current Tax year
Hi, I’ve a fixed rate cash ISA which matures later in this tax year. When this happens I’ll obviously need to open a new product either with the same provider or another to maintain ISA status. However before that, much sooner, I wish to open a new fixed rate cash ISA, using my full allowance. Can I do both within this tax…
-
£1000 tax free allowance on savings interest
We have joint account and are therefore entitled to 2 x £1000 allowance each year on interest from savings. What is deemed the "joint account" ? The account you funded the investment from,or would investment have to have been funded/opened as a joint venture ?
-
Transferring a cash ISA from one provider to a another offering a fixed ISA with better rate
Hello, I have an instant access cash ISA with a poor rate and am looking to transfer it to a new provider who is offering a good 1 year fixed rate ISA. I've read that it's better to have the new provider handle the transfer. I tried to follow their online form, but got stumped when it asked where I wanted to pay the…
-
Trading212 cash ISA - newbie bonus?
Hello folks After reading the recent MSE article here about ISAs, I immediately opened a new Cash ISA with Trading 212 as it seems to have the best rates currently - 5.04%, including 0.54% new customer bonus. I've opened the account and deposited some money, but the interest rate shown is just the standard 4.50% - lacking…
-
Help To Buy ISA queries?
I have a Help To Buy ISA with 25K in it. I've just been paying in the £200 per month for years and not really given it much thought. Now the interest rate has dropped to 1.05% for anything over 12K. 1. Is there any point putting more than 12K in a Help To Buy ISA? As the maximum bonus is 25% capped at 3K. 2. Would it be…
-
APS providers which aren't online only
I'm helping someone to use the APS allowances after their spouse's death. The person won't do online banking so we need accounts which can be managed by other means (preferably by phone) and also allow transfers of the allowance, since two of the four ISA providers don't support APS and one is not suitable. The fourth is…
-
Transferring ISA Bond from United Trust Bank to Lloyds
Last year I applied for an ISA 1 Year Bond with United Trust
bank. This is due to mature on the 22/05/2025 with interest to come. On the 14/04/2025 I applied for a new ISA with Lloyds, I’ve already
paid into this account. Do I need to wait until the 22nd before I can
transfer this to my Lloyds one, or else I won’t get the…
-
ISAs after death
I currently have around £110k in cash ISAs increasing every month with compounding interest. I have no plans to dip into this money until I retire in around 3 years time. I also intend to max out each yearly ISA allowance up until then, so I should have in the region of £180k-£190k in tax free ISA savings (if Rachel Reeves…
-
Quick ISA question - how long is the 'year'?
Will be opening an ISA at the end of next month - there are some which give a 'bonus' rate for a year of an extra 1% or so, but I guess this question relates to all ISAs - if I open it and put the money in at the very start of July is the money tied into the account for a calendar year or until the start of the next…
-
Trading 212 Cash ISA transfer in process
Is it straight forward and swift, or fraught with unnecessary headaches? I need to find a better rate asap. Been putting it off far too long!
