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Trading 212 ISA transfer
I spoke to 212 regarding my transfer to Chip, I only had the account number so I spoke to 212 and Chip. 212 told me to use the sort code 00-00-00 and the account number, unfortunately this did not work so I spoke to 212 again and they said use 12-34-56, this did work okay and it only took 3 days for the transfer to…
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ISA Losses and Double taxation rules
Hello everyone. I have a couple of questions regarding ISAs. As they are an efficient way of invest/save tax free, you dont have to declare them/pay tax on the capital/shares located in an ISA. But, what happens in the cases stated below? -Case 1: Having shares that pay you dividends in an ISA, and those dividedns are paid…
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When to stop putting money into LISA
I have £10,000 in my LISA and intend my first property to be shared with my boyfriend who will also have £10,000. We are looking at £200,000 flat. Is there any point putting anymore money in my LISA as we already make up the £20,000 deposit? Worried I will end up with more money to put towards the flat and it won’t be equal
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Trading 212 cash isa transfer - is this normal
My partner transferred their ISA and they were 343 in the queue, then about a week later around 100 then a few days later done. i have done the same and its been stuck at 130 for 2 weeks. No budging. Appreciate it may just be me, but it seems odd they have bigger queues before and were able to work through them and now for…
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Tembo Daily Interest
How do Tembo calculate daily interest on their cash ISA? If I dive 4.8% by 365 and multiply that by my opening balance, I get a slightly higher figure than they I paying - the daily interest they have works out at about 4.7%. Am I missing something? The extra 0.1% is made up by the interest compounding?
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ISA transfer from NS&I to Lloyds - have they lost my money?
Hello all, I’d really appreciate your thoughts on the following. On 28/4/2025 I sent a form in to Lloyds to arrange a transfer in of money from my NS&I ISA to my Lloyds ISA as the interest rate was slightly better with Lloyds. As of the date of this post (6/6/2025) I still haven’t received the money into my Lloyds ISA.…
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Transfer out Vanguard SS ISA to another platform with lower fees
I currently have around £3k in my SS ISA with Vanguard, all held in FTSE Global All Cap Index Fund Accumulation fund. Given the new fee structure has been in place for a good few months now, I'm wondering whats the best way I can transfer to an equivalent fund (if one exists) on a different platform? I'm aware that…
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Help to buy isa/Lisa
Hello all, I currently hold both of the above and i know my h2b will end in 2030 i'm not so sure if the lisa does? But my main question is are they even worth it now? What happens if i don't find a house by 2030 or even want to but one by then? i know if i redraw the money i take a 25% lose of what i've currently got but…
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Chip ISA booster code 29 May 2025
Does anyone by any chance still have the Chip ISA booster code that was valid on May 29 2025 (or around that time)?
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Virgin Money ISA linked to M Plus Current Account?
Hi All, I'm not sure this is the right place for my question, but I wasn't sure where to add it... I have a Virgin Money ISA with money in it. This is linked to "M Plus Current" and "M Plus Saver" accounts with nothing in them. I've had a letter from Virgin Money regarding the M Plus Current Account saying that "if you…
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Post Office ISAs
Has anyone signed up for a post office ISA please? I'm in the process of creating an account but I am a bit put off by the URL postofficeeisa.co.uk, it is a link from the postoffice.co.uk site but the page looks really rudimentary, the logo does not have a hyper link and the address is clumsy. I want to avoid being scammed…
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Unit price
About changing funds, please excuse my non- technical terms.. If I have 20 different funds on a platform and asked the platform to change (sell) these 10 funds and 'buy' '1 new fund'.. what would this process be called:1. re-registration2. selling and buying 3. switched4. or something else? And will I get just one unit…
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Cash ISA maturing soon - what are my options so it stays tax free and I receive a good rate?
Hello I’m currently saving for a house move and am saving using cash ISAs. This one-year cash ISA will be maturing soon (mid/late June ’25) and am wondering what options I have to ensure I don’t pay any tax on this £20k going forward please In the year to June ’25 it has been in a cash ISA tax (free) wrapper so I presume…
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Trading 212 flexible Cash ISA replaced deposits wrongly allocated to current tax year
I have a cash ISA with Trading 212 which is supposed to be flexible. On 6th April this year, my current tax-year ISA allowance data was reset so that it was showing "Used £0" and "Remaining £20,000" Since 6th April, I've been dipping into and out of the flexible ISA being careful always to first withdraw and then deposit…
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Stocks and Shares ISA Automatic Reinvestment
I (a complete novice) opened a S+S ISA a few years ago and set the account to Automatic Reinvestment'. I waited for my number of shares to increase as the fund's value increased, but they did not. I contacted the help desk and was told that my account did not qualify for this action. So, all that happens is that the value…
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Combine CASH ISA's
I have two CASH ISA that mature at the end of this month. Can I combine the two together to make only one? The combined value will be under £20K.
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Cash rules and interest have I got this right?
Anyone clarify these questions regarding cash ISA's and interest earned please? Myself and my spouse opened a cash ISA for £20000 each this tax year. The money came from our joint account. Is this fine to open two cash ISAs from a joint account one for him and one for me? When the ISA's mature and say they both make e.g.…
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Basic questions about fees for Stocks and Shares ISA
Hello, I'm new to investing and considering opening a Stocks and Shares ISA. I'd like to invest in ETFs, as I’ve been told that they tend to be less risky. My plan is to contribute £100 per month for the next 8 years, primarily for my son's future. I’m having some trouble understanding the fee structures. With AJ Bell,…
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Opening an ISA without online bank account
Hi My 84 year old mam wants to open an ISA but is really struggling as she doesn't do online banking and doesn't really want to open an ISA online. She has been to her bank who can't help her and say she needs to open an ISA online. Is there anyway or anyone who offers ISA's by just filling in a paper form? Thanks
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Cynergy bank wont transfer my ISA
Hi All, Wondering if anyone has any advice for this. Recently opened a new ISA with Moneybox and tried to transfer my existing Cynergy ISA over. Both accounts acknowledged the request and said it was in progress. 2 month later, not complete. I wrote to Cynergy who wrote back and said that during the transfer there was a…
