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S&S ISA Transfer
Has anyone done a transfer from a Lloyds Ready Made Investments ISA? And if so how long did it take. I realise there will be slightly more delays at this time of year but I initiated a transfer on Trading 212 a couple of weeks ago and Lloyds haven’t even acknowledged it yet. I’m also assuming Lloyds will have to sell the…
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Best way to make my money work for me
I recently came into inheritance through several streams and Im struggling to discover how best to make it work for me. I have narrowed down £400k to invest and am open to savings accounts or minimal risk investments and Im ashamed to say I don't really understand ISA's so am none too sure whether this would be right for…
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Flexible ISA withdraw and Fixed rate ISA
I have this year's flexible ISA opened with new money on 7 April 2025. I understand that I have the following options:* Open a new fixed rate ISA and transfer the full amount from the flexible ISA * Open new fixed rate ISA(s), withdraw less than the full amount of the flexible ISA and fund the new fixed rate ISA(s). Leave…
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ISA Allowances
Hi, I have a T212 ISA which is maxed out. I'm confused as to what happens in April in terms of having a new ISA allowance. Am I able to simply add another £20k into the same ISA, or do I have to open another one with someone else? If adding to the existing one, surely that gets confusing if you decide to move money around…
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Principality Flexible ISA - Replacement allowance query
I transferred an ISA to Principality in Oct 25 of c. £29,000. This was made up of £19k of 24/25 deposits and £10k of 25/26 money deposited into the previous provider (CMC). I had deposited a separate £10k in 25/26 into Santander fixed ISA which is still there so I have no further 25/26 allowance remaining. I have been…
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Aldermore 4.17%
Just a heads up. I called Aldermore today to ask a few questions about their 4.17% fixed ISA. One of the questions I asked was when was the last time the interest rate for this ISA changed. Really just trying to find out wether they had already reduced it following December's BoE decision. Was told that although all other…
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ISA Interest Withdrawal
Hi all. First post so be nice, and I know this is stupid question but I have not got any where with talking to trading 212. Early last year after reading the recommendation on MSE about Trading 212 cash ISAs, deposited 20k, come April I put in another 20k. This has been growing quit nicely, and I wanted to withdraw some of…
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Skipton LISA
I've been using Skipton for my lifetime ISA for several years and have a decent amount of money in there. However, the interest rate keeps reducing. Is it best to keep it in here at the new rate of 2% or move it to another?
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Moved: Financial Advice - Elderly parent care
This discussion has been moved.
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NS&I Premium Bonds "Cashing In" Issue
I recently tried to cash in my premium bonds to better invest elsewhere. Unfortunately the computer said no... adding that there was an issue and to call the office... Several days, phone calls and many hours later and NS&I can't tell me even a rough timeframe as to when I'll get my money! Staff tell me that a security…
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Moneybox Cash ISA
Hi, can anyone help me with a dilemma i have with my new Moneybox Cash Isa. Just over a month ago I selected it from the list on the MSE web and i transferred £95,000 into it as it was the highest rate at the time (pre BOE increase), it said that interest was paid monthly however i have been told by Moneybox that the…
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Stocks and Shares ISA to Cash ISA Transfer
I have about 5k in cash in my stocks and shares ISA I would like to transfer to a cash ISA and retain the tax break. I also have stocks and shares in the same ISA. Can you go to a new provider of a cash ISA and request the cash only to be transferred into the account? Thanks.
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ISA Transfers-In delay - loss of interest?
I'm transferring-in from easy access variable rate cash ISAs into a new fixed rate cash ISA. Why does it take up to 15 days? Why is there a lengthy 3 working day period when your money is not shown in either account? Am I losing interest during that gap? And which bank is gaining it? Why doesn't the transfer use Fast-Pay?
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All in one banking apps
So I am currently with Virgin banking. I have a current account and an ISA. On the Virgin app I can only view my current account. To view my ISA I need to click a link that opens my web browser and then use a separate login to view my ISA,i find the whole process ridiculous. Are there any banks where you can view your…
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Opening a Cash Isa account online
Bank of Ireland UK only seem to have option to open a cash ISA with a cheque or by transferring from another ISA account, they won’t take a debit card pending relevant checks. This really restricts who can open one or is there a way around this?
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ISAs
Hi, I have an Barclays ISA maturing soon and want to take some back, but reinvest the remainder into a new ISA! I am aware that any existing money in an ISA that you wish to transfer to a new ISA does not affect your annual allowance. However, is this only right if I take out a new ISA with Barclays OR can I actually…
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ISA Maturity Question
Hi All . I wonder if you could help me to clarify here . I have a 1 year cash ISA that was taken out on 26/01/25 and is due to mature 26/01/2026 . I had put 20K in it in financial 24/25 so the total will be approx 20.85k on 26/01/2026 . Also for this current year I had bought another ISA for 20K which is due to mature in…
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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…
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Flexible S&S ISA - can I withdraw cash and deposit into Cash ISA?
Hi everyone I think this is OK but can anyone confirm? I have a stocks & shares ISA with IG. It has £10k in cash from this year’s allowance. I want to move this into a cash ISA with another provider (eg Aldermore - which also offers flexible ISAs). Can I just withdraw the cash from IG and deposit into a new Aldermore cash…
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Nationwide Triple Access ISA additional top up warning
Morning all, I help my mother with her banking affairs via Financial POA. Yesterday, I thought it would be a good idea to make a small transfer from her savings account into her ISA. She has plenty of headway within the £20k limit. I am very familiar with the majority of rules and regulations and being a Nationwide…
