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Tax-free Interest
* Hi there, * Does this apply to a pensioner? * Low earnings & savings interest. If you've an income under £12,570, the starting rate for savings lets you earn up to £5,000 in interest tax-free. For each £1 you earn above £12,570, you lose £1 of the allowance (so nowt if you earn £17,570+). * Thanks, * (Removed by Forum…
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Is it normal to get no notification from the outgoing bank when transferring an ISA?
In the last couple of years I've transferred my ISA twice and both times I've received no notification of the transfer from the outgoing bank before it happens. The first time Virgin Money sent me a letter several weeks after the money had already left their account. The second time the money has already been received at…
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LISA penalty and Buying a House
I have been saving in my cash LISA for a long time to buy a house. Recently, I decided to buy a house with my partner, but the properties we are considering exceed the 450,000 threshold. Consequently, I anticipate being penalised if I use my LISA as the deposit. I am aware that the government is considering reforming LISA,…
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Transfers from S&S ISA to be scrapped
I read a daily mail article today saying our wonderful chancellor is cancelling the ability to transfer S&S ISA back to cash ISA’s, I appreciate this is to stop people putting in the additional £8k into the S&S ISA and transferring back, but what about old investments I have a lot of money currently In a S&S ISA, do I need…
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Should I put £4000 in my LISA or not?
Hello, I am in my 20s, don’t have any debt aside from my student loan and have £25,000 saved in my LISA. I am going back to university in September and therefore I don’t think I will get onto the property ladder in the next few years. If I buy a house in the future I don’t think that it will be over 250,000 as I live in…
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s&s isa thats none american
hi all normally i would be a cash isa person, but with the new rulings regarding isa's i was thinking "ok time to look at putting my savings into a s&s isa"...but whilst the (Removed by Forum Team) is in charge i really dont want to invest in american companies, so is there such a thing as a s&s isa that only invests in…
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Tembo Cash ISA transfer to Tembo Fixed 1 year? convert, or separate application?
Hi, So in nutshell I have a maxed out isa with Tembo at 4.1% I'm sure its likely about to drop in light of todays news, so looking at putting into a fixed. Is it convert the existing Cash ISA into the Fixed at 4.3%? Or do I need to apply for a Fixed ISA first, and then fill in transfer details in the same way I would to an…
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Trying to decide between drip-feeding or investing a lump sum into S&S ISA
I opened a stocks and shares ISA on Trading 212 last week. This is my first experience of investing. I read the beginners' investing guide on MSE and I have also been trying to learn more about it from other sources. At the moment I only have £200 invested in the S&S ISA. I currently have £10k which is simply sitting in a…
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Need to open a Cash Isa
I cashed in a bond that I had early in December for £41,000 It was doing badly. My intention was to put £20,000 in a Cash Isa but to date I have not done anything about it. I had intended to open a Junior Isa for a 3 year old granddaughter however my son tells me that she will be well provided for my her other grandmother.…
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Mathematicians - AJ Bell & H. Lansdown for S&S L-ISAs
At what point/balance does AJ Bell become cheaper than H. Lansdown for a lifetime ISA? This is assuming the same funds in each. Funds not shares. I know they're both at the same charge of 0.25% with HL capping at £45yr with AJ at £3.50mo. AJ have a £1.50 dealing charge whereas HL are free. But for this question I don't buy…
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Transfer from1 Year Fixed Cash ISA to a S&S ISA.
I have a Close Brothers 1 Year Fixed Cash ISA maturing at the beginning of February. I wish to transfer all proceeds to a Freetrade Flexible S&S ISA. They are offering 1% cashback on new ISA accounts with contributions greater than £10,000 which can be either new money or transfers in. How do I ensure the transfer takes…
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Looking for cash ISA provider
I've got a sum of money in my Nationwide Building Society cash ISA but it pays peanuts. So I want to move it to one paying better interest and I'm "asking the audience" for recommendations. Have searched Google, MSE and MoneySuperMarket, can't find anything suitable, but I'll revisit any suggestions. Criteria: * Instant…
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LISA's /Savings
Hi, I've been reading up on Life ISAs and I'm just a little confused with it all and not sure what my best options are... My Nan has recently passed away and her estate is due to be settled. I don't know how much yet but I am due to receive some money, probably around 15000. I am planning to save this and use it towards…
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NatWest Invest S&S ISA vs Vanguard etc - fees
As well as a smaller pot (for messing around with manually) in a GIA on Trading2&2, I've kept the bulk of my non-pension investments in a stocks and shares ISA. Have 20K in there at the moment. I set this up about 5 years ago with fairly little knowledge of what was involved, just going off my bank at the time: NatWest…
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Cash ISA Transfer
Please delete
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Partial transfer from current tax year
Principality turned down a request for a partial transfer on the grounds that all the subscriptions where made in this tax year even when there was ISA transfers in from previous tax years included in the subscriptions Your thoughts please
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ISA transfer question
I hear alot of people saying you should never withdraw your money from a cash ISA - you should transfer your funds so that they maintain their tax-free status. I understand that makes sense if you have more than £20,000 in it, but if you have less than that, does it make any difference whether you do a transfer or just…
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Junior ISA annual maintenance fee
I pay £50 per month to Scottish friendly JISA for my LO. It started taking £7-£8 per month as maintenance fee from last year. The fund is sitting at 7k. Is there anywhere I can transfer JISA with less maintenance fee. When I started the direct debit there was no mention of maintenance fee. No idea when this was introduced…
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problem setting up Trading 212 cash ISA
I'm trying to open the Trading 212 Cash ISA and I've gone through the identification verification and I'm trying to deposit funds. My bank is First Direct and when it asks me to put in my username and DOB it keeps saying the information is wrong , even though I know for a fact it's right. Has anyone else had issues with…
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Transferring an ISA from a notice ISA account
I asked for the transfer to be made after the notice period. Does the receiving provider give this notice to the original provider? Never transferred from a notice account before. Thanks
