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ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

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…
Tembo suspends ISA transfers
Tembo have suspended their Cash ISA transfer In option due to high demand. It also looks like adding new money is impossible too. They must be overwhelmed!
How to transfer ISA?
I have a post office ISA and the interest rate has now dropped. I also have a Trading 212 ISA which has a better rate. I’d like to transfer the entire sum in the post office account to the Trading 212 ISA, however I wasn’t able to do this on the Trading 212 app, I contacted customer services and they said they don’t accept…
Charter Isa Transfer
I'm looking to do a partial ISA transfer to Charter but when entering partial, it doesn't prompt me for an amount. Could anyone that has completed a partial transfer please advise me of how this works.TIA
Rapid ISA transfer
I must admit - I'm impressed. Earlier this month I opened an ISA with Vanquis requesting a transfer from a maturing Virgin ISA. That ISA matured today and the transfer had been completed by this evening - I'm not sure when exactly. Just a bit of good news for a change.
ISA Question
Hi, I opened an ISA account and deposited to the limit, however I don't like the platform I've chosen. Am I able to transfer my money back to my personal account and then close the ISA, then re-open a new one, or do I have to transfer it now? I can transfer the funds back easily but I'm worried I'll lose my ISA allowance…
Trading 212 Cash ISA Help
Hi, I have just opened an account but haven't yet transferred anything. I have a few questions: Can anyone recommend this company please? From what I've read, interest is paid monthly so I can take that out at any point? Is the cash ISA protected by FSCS? I've read that someone said it isn't and that it's something else (Q…
Halifax Cash ISA now expired and in a an Instant ISA Saver account
My 2 year Halifax Cash ISA came to an end and Halifax have moved funds automatically to an ISA Save account a couple of weeks ago. My intention was to take out another ISA for 2025 but now wondering if being my old ISA has lapsed, I can no longer use the previous allowance in addition to my allowance for 2025. As an…
Flexible cash ISA spread across different providers
Hello. I am new here (Removed by Forum Team). I have looked on here and there is some stuff related to my question. I had a "run in" wit Paragon last night. I had an email from them telling me I could not have a flexible ISA this subscription year with an additional provider. They say I had signed a declaration to say I…
Order of using flexible cash ISAs
Hi. If I have last year's flexible cash ISA with provider A and this flexible cash year's ISA with Provider B, can i withdraw funds from the Provider A ISA this year before withdrawing any funds from Provider B this year? Or do i always have to withdraw from Provider B until that money is all withdrawn and then I can…
ISA Transfer
Apologies in advance if this is a dumb question. I have a fixed rate cash ISA which is due to mature in Nov. this year. I was wondering if I were to open a new fixed term cash ISA, currently at 4.2% for 5 years, could I transfer my original ISA into the 5 year ISA in Nov? If so, what would the interest rate be for the ISA…
Trading 212 slow ISA transfers IN
It feels like there is only one person handling ISA tranfers IN, they work part-time and have frequent time off! Initially you get stuck in queue for over a week, then it has to be reviewed for several days, then wait over another week for the provider to send the funds. Not at all as efficient as mainstream providers…
ISA limits
I have a new cash ISA in the last tax, for £20k, can I increase this in the new tax year (6th April 2025 to 5th April 2026), say by £6k so I would have a total ISA OF £26K. Which still leaves me will an ISA allowance to use for the tax year of £14k.
ISA Transfer Error
Hi all, I have recently decided that a flexible ISA would work best for me and have opened a new flexible Cash ISA with Trading 212. As the interest rate is of the new ISA is better I wanted to transfer my First Direct Cash ISA funds into it In the process of setting up the new ISA, I couldn't see my ISA when I linked the…
Market Harborough B/Society ISAs
Just had an email from Market Harborough BS trying to sell me a new ISA for the new tax year. There are 2 available.....2.2% easy access & 3.5% notice. Why do they bother ? They must realise that they aren't competitive in any way.
Tembo Cash ISA
Hi. Anyone here had a problem funding a new Tembo Cash ISA by transfer in? It's been 2 weeks now since the start date that they gave me. Initially they said that it was either my fault as I had given them an incorrect date of birth or the existing provider having incorrect infirmation - not so. It is no longer possible to…
Trying to decide which ISA to move to
I am trying to decide which ISA to move our money to, currently in a nationwide one with a low interest rate, there seem to be so many choices.... Trading 212 Plum Moneybox Paragon Monument I am erring towards Trading212 as they seem to have a good initial base rate . I am not keen on the ones with the 1 year bonuses as I…
ISA Query
I put 20k into a Santander isa account last year, can I put another 20k into the same isa for this year?
Multiple years ISAs in one account
Hello. I have a query about some technicality. If I am transferring into a new ISA account provider my two past years of ISAs (40k+interest) and then I will also add this year's 20k allowance, once there is 60k+ in the account, all years of ISAs will blend into one total amount and going forward it will be impossible to…
HSBC's GIC ISA Uninvested Cash Account – A Bit of a Head-Scratcher
Hi, I'm new here. I just wanted to share my recent experience with HSBC’s Stocks & Shares ISA (the managed one via their Global Investment Centre) in case it helps anyone avoid the same confusion I ran into. I opened the ISA in September 2024. The setup was smooth, and the online process seemed pretty straightforward. I…

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Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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ISAs & tax-free savings

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