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ISA help , multi ,transfer etc
Hi I am looking for help. i have saving I would like to put into Isas. at moment I have a S&P isa for years now. And no other. if I open one today a 1 year fixed and max out . When April comes can I open another put in 20k and transfer this years one, once years up in July next year. So one with have say 40 k with interest…
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ISA Providers; Are most choosing to ignore the Chancellor's new ISA Reforms?
UPDATE 02 Aug 2024 - PLEASE NOTE THAT SINCE THE START OF THIS THREAD THE REGULATIONS, GOVERNMENT RELEASED NOTICES AND FINANCIAL INFORMATION REGARDNG ISAS HAS CHANGED. PLEASE ALWAYS REFER TO THE LATEST INFORMATION REGARDING ISA REFORMS, RULES AND REGULATIONS AT '.GOV.UK' https://www.gov.uk/individual-savings-accounts I…
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Understanding stocks & shares ISA
I opened my first ever S&S ISA just a month ago with Trading 212. My understanding is that I can pay a maximum of 20k into that ISA and once the money is in, then whatever profit I make within that ISA is tax free, no matter how much, even if it went up to 1 million? Next year I can open another ISA and pay another 20k…
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Keep HTB ISA or transfer to a normal ISA?
I have about £12,000 in a Help To Buy ISA. I think it's unlikely that I will use it before it expires at the end of 2029, but it might happen if by some miracle some affordable houses that aren't complete crap get built. I may also inherit share of a property and want to buy my siblings out, but again it depends if there…
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Transferring from Virgin to Trading 212
One of my virgin ISA rates expires on the 24th July and I’d like to transfer it to Trading 212 based on them having the highest interest rates. I’m sure my virgin account has a penalty to withdraw of 60 days interest, the product is 1 Year Virgin Fixed Rate E-ISA issue 606. When it expires they’ll automatically move the…
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Multiple Cash ISAs - unsure what to do.
I currently have 2 Cash ISAs open - Zopa, Trading 212 and Chip [all easy access CISA] Only the Zopa CISA is actively being funded and I've been paying regularly into it since December 2023. It now has £19000, I actually maxed it out before the 6th of April 2024 when the new rules kicked in, but I had to take out some money…
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Virgin Money
I have been trying to transfer a matured cash ISA from Virgin to a building society. Have taken all details to the BS, all filled in correctly and left them to do the transfer. However, the transfer has been declined by Virgin, according to the building society's letter 'no reason was given by Virgin'. This has now…
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PLUM doesn't offer bank statements?
I need to provide proof of funds to a solicitor as I'm buying a house, but I can't get a bank statement from PLUM. It says: "For the time being the statements for your Cash ISA are not available. Our team is working on that to make them available as soon as possible." Meanwhile my solicitors wont accept a screenshot...…
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Lost personal details
Not quite sure what to do about this in the way of protecting us from any possible fraud. To transfer my OH 's matured ISA from Virgin to new BS , I needed to send a cert copy of POA , application form for new BS POA registration , cert copy of mine and OH's passports, bank details for withdrawals + id's showing our…
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Plum ISA opened last year - how do I put money into an ISA for this financial year?
Hi I opened an ISA with Plum and filled it with the maximum 20k last financial year. I want to add another 20k now for this financial year. I'd add it to Plum if that's still the best easy access rate around. How do I do I add the money? Do I just transfer another 20k to the same Plum ISA account? Or do I need to open…
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Zopa to T212 ISA Transfer
Hi All I'm combining a couple of different ISAs (One cash and one S+S) by transferring them in to a new Trading 212 Cash ISA. I've received confirmation from Zopa today that my account has now been closed. I am unable to see my ISA in the ZOPA app and the statement shows 'ISA Transfer out'. Checking in the T212 app, no…
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Very basic ISA transfer question
I’ve never transferred an ISA before but one product term ends in a few weeks so I understand I need to transfer to another provider (which offers more interest) rather than withdrawing, to avoid losing the ISA allowance. My question is, when transferring, assuming you have the max £20k can you choose the amount to…
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Opening an ISA with Lloyds.
I tried to make an appointment with my local branch, and was
informed I had to apply using my “mobile device”. I was wondering if anyone else had the same issue as there
is no mention of this requirement on their website.
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Interest from ISA?
I put £20,000 in my first ISA, taken from my Santander savings account, and have just had the first months interest paid, taking the balance over £20,000. I thought I would have had to wait a year. Should I withdraw the interest or will I get interest on the interest?
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Trading212 customer service
I opened a Trading212 ISA account and on July 3rd , in error, requested Barclays bank bereavement team to send funds from my recently deceased fathers account to Trading212. The following day I received an email from the generic info@trading212.com account explaining that they didn't accept funds from 3rd party accounts…
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NS&I Junior ISA - Terrible Customer Service
Opened a NS&I Junior ISA for my 2 boys last month and have had nothing but issues since. Their processes don't work, their customer service people are nice but don't seem to know much and don't allow customers to speak to the Junior ISA Team who are a 'backroom team' so there is lots of putting you on hold while they relay…
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Where do I find a comparison tool for flexible easy access cash ISAs that allow transfers in?
Currently have an ISA with Vanguard, invested in various funds. Am looking to buy a house, but wont be selling my existing house until after buying the new one, so I need to find money to buy a second home. The plan is to cash in my funds with Vanguard, transfer the cash to a flexible ISA, and then hopefully once my…
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How will Trading 212/Moneybox etc react when BOE cut base rate?
I know no-one really knows but do people think, when the BOE cut the base rate which could be as soon as 1st August, will these top paying variable rate ISA providers pass the full cut onto customers straightaway? In the case of Trading 212, if BOE cuts rates by 0.25% and they pass that on then their rate will drop to…
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Charter Savings Bank
Hi all, hoping for a little help/peace of mind from anyone who uses the above. I have been going through the process of opening a cash ISA with them as I am attracted by the monthly interest payout and flexible withdrawals. I intend to deposit the full £20,000, but I’m a little concerned that the bank seems quite ‘oldy…
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Stocks & Shares ISAs
Hi! This is the discussion thread for the Stocks & Shares ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.