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Withdrawing profit
2025-26 is the first time that I've held a stocks and shares ISA. Since April it's produced £2300 profit. Am I able to withdraw this, or do I have to wait to the end of the current tax year?
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Cash ISA is 'orphaned' - what happens next?
We wanted to move my wife's cash ISA from CMC to Cynergy, but Cynergy do not recognise CMC so we had to transfer the CMC ISA via another route (her Virgin Money ISA). Plan: CMC > Virgin. Then Virgin (inc CMC) > Cynergy. I requested the transfer of the CMC ISA to Virgin and should have waited for it to complete before…
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Keeping track of isa allowance
Now that you can have multiple accounts for isa savings & some are replaceable funds and with rates changing & transfers it seems inevitable people will make mistakes and inadvertently exceed the £20k Will HMRC track it and inform you ? What actions will they take ? For myself I’m below my personal allowance so not paying…
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Private Medical Treatment
Afternoon All I have a Vat enquiry on claiming the vat on private medical treatment. Recently I had stem cell treatment in my knee through a private clinic. it was mentioned that I may be able to claim back the vat on the private medical treatment. I have searched the HMRC/VAT government website but cannot determine if the…
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Inheritance Tax
Morning I have investments in an ISA which are climbing steadily. By 2026 I expect the value in my ISA will be £1m As a family of 3 with wife and disabled daughter who lives with us i want to make sure I buy a house with the money or ideally take out a mortgage securing it against the ISA which I still expect to keep…
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Barclays ISA transfer cashback
Can anyone see anything in this offer which requires the balance to be kept in the account for any length of time? Barclay's rates are rubbish, but if a transfer in can be followed by a near immediate flexible withdrawal out to a better paying instant access account then £100 back for transferring £25k might be worthwhile…
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Virgin ISA, where can I find it?
Hi there, I would so appreciate if someone could tell me where I can actually see, either on the website or app, the cash ISA I opened with Virgin Money. I find their website very confusing. I know a message came up somewhere about ISAs not always being automatically shown beside other accounts, so I followed the…
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Opening new Vanquis ISA
I want to open a new 1 year fixed rate ISA with Vanquis solely for the purpose of transferring a maturing ISA from another provider. I have also funded another ISA this year. The first question in the application is "Have you already opened an ISA in this tax year?". Truthfully answering "yes" to this brings up the…
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Trading 212 Cash ISA - Impossible to transfer ISA out!
A WORD OF WARNING! T212 makes it easy to accept a transfer in. But Transfers out are almost impossible. Every ISA provider demands an account number, sort code and (optionally) a reference number to accept an ISA transfer in. T212 doesn't give you a sort code or proper account number. Their 'account number' is just…
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Transferring to Hargreaves Lansdown, experiences sought.
Based on previous experiences, this could be quite a long post but without going into all the details of why I strongly hesitate to transfer anything to HL, I would like to ask if anyone has gone through the process of transferring a cash ISA to HL. As it stands, it can be started on their portal but partial transfers…
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Renewing a maturing ISA
I'm hoping someone can help with a query about a Fixed Rate Cash ISA I have with UBL Bank that is due to mature in early October. I have already used my 2025/26 £20,000 tax free ISA allowance in June on an ISA with a different bank. So, with regards to my UBL ISA - if I choose to renew it and opt for another fixed rate ISA…
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Sharesave Scheme CGT
Hi, looking for advice on the following: I have a sharesave investement which is maturing December and I will be transferring shares to a stocks and shares ISA and need to know if I need to keep the ISA for 12 months or until the new financial year [2026] and will I have to pay capital gains tax on any profit from the…
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Maturing Skipton ISA
As it’s not my ISA, I’m wondering about the best way to go about securing the external transfer the ISA holder wants to hopefully avoid any hassle. Skipton seem to have come up a few times recently on the savings board for not paying the correct interest so although they say money can be moved from the default re-fix…
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Stocks and shares ISA transfer
I have been asked to help a family member with possible transfer of an existing stocks and shares ISA. For accounts with a value of say £25k-£50k where there will probably be a maximum of (say) 5 OEIC (unit trust) holdings, all accumulation units, very little switching, a small monthly DDR, which platform would you suggest…
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Coventry Building Society - Junior Cash ISA as child approaches 18yr
Coventry Building Society Junior Cash ISA as child approaches 18yr I wanted to highlight an issue we are currently experiencing with Coventry Building Society, to hopefully save someone else the same headache, and see if anyone can offer guidance. Our children both had CTFs, that we moved into Junior Cash ISAs with…
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How to transfer out of Trading212 cash isa?
I'm at my wits end with Trading212, desperately trying to find a way to transfer my cash isa with them to another provider but seems most banks don't want to touch it. Have spoken with Coventry, Cynergy, Kent reliance, Monument and none will let me transfer in the cash isa from trading212. I asked trading212 if they have a…
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Two cash ISAs with Charter Savings Bank
Evening, I've currently got two cash ISAs with Charter Savings Bank (both with 20K of old money) One matures next month, the other matures next April... My question is, on maturity, can I just transfer my whole maturing balance, into the existing other cash ISA that matures next April? If so, will this be an option on the…
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ISA big screw-up?
ISA maturity approaching with lower interest, and mistakenly (been a tiring day) transferred ISA to a savings account in same bank. Immediately opened a new ISA with same bank and transferred money to it from new savings account. Don't tell me, it should of gone to original ISA? Have I lost my years and years of tax free…
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ISA vs Savings account as a first year uni student
Hello, I'm going into my first year of university in the next few weeks and im looking to start saving for my future. Parent's don't want me to get a job first year, which is fine. They cover my tuition and accom fees, and I get min sfe for a student living outside London. My monthly 'income' will be around £400 + 100/200…
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Tembo to Paragon transfer issue
Tembo let me know that funds had been send to Paragon last week, kept checking, but did not appear in my account. Checked with Paragon by secure message on Friday and now told; I can confirm that we received confirmation of transfer from Tembo stating they sent us the funds on 9th September. However, we have not received…
