ISAs & tax-free savings

Very new to ISA`s only ever had "normal" savings but last year I opened a Cash ISA and deposited 17k into it, the interest rate is about to drop so my question is Can I transfer the 17k into another cash isa before 2025/2026 tax year? Can I put a further 20k into the same cash isa for 2026/2027 tax year?

Can anyone help me please? I have seen advice from MSE website that Trading 212 offers best interest rate for ISA account. However, I noticed this bank does not have record on FSCS website. I want to know if this bank has money protection? And how much? Thanks!

Hi, I am trying to tidy up my Cash Isa's, ho hum… Isa I; a 2 year fix from October 2023 that matured October 2025 then rolled over into a 1 year fix which matures in October 2026. Isa 2; a 1year fix from April 11th 2025, which matures in April 11th 2026. …………………………………………………………………………………………………………….. Is it possible to…

I'd like some help moving money into a HL LISA from the HL Fund & Share account I created please. I've set up a HL account for my son and then opened up a LISA, and at the time of doing so I funded it with £100 to get it going whilst I awaited cashing in some Premium Bonds to top it up to the £4k maximum. I then created a…

My nephew asked for my help in setting up his first S&S ISA so that he could invest half his cash ISA savings in an S&S ISA. He is currently with Chip who don’t allow partial transfers so I suggested that he transfer all of his Chip cash ISA to a Moneybox cash ISA that has a better rate anyway and then do another transfer…

Hi, I have 2 x Zopa flexible cash Isa's for the years 2023/24 & 2024/25....... I have a zero balance in each, have I now lost the opportunity to put £20,000 back in each one for ever? I also have a 212 flexible cash Isa for 2025/26 with a zero balance I believe I can put the £20,000 back in before April 6th 2026?

Hello all, I'm looking for some opinions about maximising the benefit of my lifetime ISA before the end of the current tax year. I have a good amount of money in a normal savings account at the moment, around 5 months worth of income, and I also have around £2000 in my LISA. I'm wanting to put some more money into the LISA…

In 2023-24 I took out a new 1 Year Fixed ISA on 2nd April 2024 which I renewed on 3rd April 2025. I expected to be able to renew on 3rd April 2026 but notice that renewal date has slipped to 8th April which is in Tax year 2026-27 because of the Easter Bank Holidays. Will this affect my 2026-27 ISA allowance as I was hoping…

Hi, I currently have a maxed out ISA for 2025/2026. Could I withdraw the funds and start a new ISA for this year and pay it in and then it's still classed as having one ISA this tax year? Or can you not do that? Thanks

So I have my first Cash ISA with CHIP that I took out last year. I am currently getting 4.48% boosted rate which expires on 31st May this year on the full allowance. I don't think I can afford to put any new money into a cash ISA next year. I have opened a trading 212 cash isa with the minimum deposit amount of £1 as it…

I telephoned to make a provisional enquiry for when my present Fixed Cash ISA matures at the beginning of April in this tax year. The interest rate after maturity would be low and I wondered about transferring to a new, better interest, provider - as suggested in these forums. The bank adviser scared me by saying that,…

I recently arranged a transfer of a Trading 212 Cash ISA to a Hargreaves Lansdown Stocks and Shares ISA. Trading sent me an email last Friday (13th March) at 09:53 to say the transfer was complete. Checking the Trading ISA showed that the balance was nil. Same for the HL one. However, I've just checked again now and the…

Hi, I've opened an ISA account but not funded it as I was going to transfer an ISA into it from the current tax year but have changed my mind Does this effect anything in terms of using an allowance provided I haven't put funds into it? I received a subscription certificate from Tesco Bank so I'm concerned I should now use…

I periodically top up my HL account with a few £ to cover the fees on my stocks & shares ISA, the money sits separately from the ISA and fees are paid from this. However I’ve noticed that any amount I top up with comes off that years ISA allowance. Is there a way to fund the fees without it affecting my allowance please?

My dad has an ISA with Lloyds which is about to mature (2nd April i think). I know it will transfer into a basic isa after the maturity date. I'm hoping to transfer it all into another fixed rate ISA. If I let it roll into the new lower rate Lloyds account can I transfer out of any time? Also if I find a new after 6th…

I opened a trade212 stocks/shares last year fully funded £20k, in the new financial year i would l intend to add another £20k after april 6. But from a couple of years ago i have a fully funded cash isa with oaknorth, can i transfer this into the Trade212 stocks/shares isa?

Maturing ISAs with Cynergy are automatically re-invested in another fixed rate ISA if I do not contact them with instructions. Cynergy’s online options are - 1. Renew into a 1 Year ISA. 2. Renew into a 2 Year ISA. 3. Transfer and close. They have also sent a letter which describes the options as 1. Renew to a choice of…

Hello all, I bank with Santander and have two cash ISA’s with them that are out of the fixed period so are currently at 1%. The balances are £21,243 and £48,472. I plan to invest my £20k limited before the end of this FY but was wondering what the best option are. I would like to keep it all with Santander but don’t know…

I have inherited 50% of parents house when my mum died which is held in a discretionary trust. My dad is entitled to live in the house until he dies. Can I still use my Lifetime ISA to purchase my first home, even though I have 50% share of parents home in a discretionary trust.

couldn’t find the original thread …. Whats the latest?