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ISA and savings help please
Hi - I will soon get a lump sum from my public sector pension, partial retirement - around £75,000. I have never had such an amount of money in my life so could someone please guide me what to do with it please? I will use around £16k for house updates so that leaves £60,000. I am quite risk averse and would like to always…
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Cash ISA Interest
Apologies for the question, I am no doubt being too lazy to search and/or find out for myself.How do HMRC know that interest paid from a Cash ISA is tax free? Is there some kind of identifier that they know it's not from a non ISA savings account?
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New ISA Monthly Interest Payment
Hi all looking to open a new fixed ISA with 20k that will supply the interest monthly I would prefer one of the more well known institutions if possible. Any recommendations ? Hopefully doing this in the next 2 weeks.
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Cash ISA additional permitted subscriptions
I SEEM TO BE GOING AROUND IN CIRCLES trying to find a bank to accept m late wife's Marcus (Goldmans Sach) isa .They tell me that it can be transferred to a new bank ,but has to be closed and they send me a cheque-which I then use to open another Isa -which is sort of tagged to the original date.I dont want to lose the tax…
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Cash ISA Renewal
My cash ISA is up for renewal after 18 months. I am advised by the bank the ISA will be renewed at a rate of 1.1% which I consider to be extremely low in the current financial climate. Not sure if there are many finance houses who are accepting transfers in at reasonable rates I already have maxed current year ISA…
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FSCS protection and ringfencing.
Hello, I'm new to money saving and looking for a good ISA. I have seen the Plum Cash ISA with 4.45% AER. This ISA has 3.04% base rate protected by the FSCS safety scheme and the 1.33% not protected by FSCS but is 'ringfenced'. Can someone explain the safety behind getting this ISA? Does the FSCS protection mean in the case…
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S&S ISA or 5 Year Fixed Cash ISA
I'm looking to give my daughter £20K to put into a ISA as funding towards school fees when my 5 year old granddaughter reaches her 11th birthday. I was looking at Castle Trust Bank, 5 year Fixed Cash ISA at 4.22%. I have thought but not seriously considered the Vanguard LifeStrategy 20 fund as an alternative. Has anyone…
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Student loan
My daughter has taken out a student loan for £9000 because she was going to move out of the home and rent but has not been able too so is staying at home. Would it be worth putting the 9k into a life ISA so she can potentially have a deposit for a place once she graduates and has a job?
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Trading 212 - bonuses not accepted
I used an MSE link when I opened a cash ISA with Trading 212 just weeks back. After the account had been opened for just a short time I realised that they were *not* paying the bonus stated in the MSE letter. I queried this with T212 and they told me that I opened the account while no bonuses were on offer - despite using…
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Transferring a Cash ISA
Am I the only one who feel how unsecured the system to transfer a cash ISA is? So I have a cash ISA with Lloyds that matured. Looked around and found a good rate with Tesco. Open the ISA and requested the details to transfer. Received a letter with some forms. They are asking to post to them some forms which include my…
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Turning 18 and ISA allowance
My son is turning 18 next month and has used his Junior ISA allowance for 25/26. When he is 18 does he get the full adult allowance of 20k for the remainder of 25/26 or does he need to wait for the 26/27 tax year to invest?
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Can I transfer a partial amount from a matured ISA to a new one?
Hi all, newbie here. I've been reading so much lately and using the info on ISAs that my head is spinning slightly. I need to make a decision asap and wondered if you could clarify something for me? I have a recently (end Sept) matured fixed ISA with Lloyds containing around £53k (at 5.37%, sob!). I will shortly be moving…
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stocks and shares ia
I have fallen out with my IFA, and as I am 74 and do not really need growth, . would now like to transfer my stocks and shares ISA to a cash ISA paying a monthly income it is under (not sure if that correct terminology) Quilter. How do I do it without losing my ISA kya fr status.
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Savings: Student finance and Tax code
Hello! I am new here and to all of this, so sorry if I have posted in the wrong category. I am a single parent, and my daughter has just gone to
university and was entitled to the full maintenance and tuition loans due to me
earning under £23k a year, with no savings. My brother has recently sold a family
property and has…
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Offset and savings question
Hello all you lovely frugal people. For the first time in my life I have have the option of using some savings to offset against my mortgage and I wanted to run something past you all to see if I have misunderstood or over simplified things (very possibly). A quick overview of my position. 5 Years ago I took some extra…
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Problems with AJ Bell stocks and shares ISA - incorrect data
Hi all, I use AJ Bell for my Stocks and Shares Isa and the price inaccuracies are unbelievable. Home Screen gives different prices to the ISA screen, this morning it has been showing one share at £2.20 when in fact it was £1.82, the graphs are always out of date or non existent and the App has showed as many as 5 different…
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Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025
I notice that there's been a change to the Flexible ISA Regulation (5DDB) dated 15 July 2025. See: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made The main effect of this is to change paragraph (3). From April 2024 this said: "(3) Any replacement subscription may be made only to the account from which the…
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ISA Transfer from Trading212 to Chip
I found a few posts in this forum about people successfully transferring their Trading212 cash ISA to CHIP but having issues initiating the transfer. I am using the CHIP app and have got to the question about who provides the ISA that I wish to transfer in. Trading212 is not on the list, so I have to choose the option…
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Not subscribing to an ISA - it gets cancelled?
For my father, he received the following letter from Nationwide. HM Rules state that if you don't subscribe to your ISA for a whole Tax year or more you're required to complete an ISA renewal before you can start making subscriptions again. We have not received a response to our letter therefore to ensure that the ISA…
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Moving Nationwide cash ISA?
My current Nationwide cash ISA is due to end in a month. It's going to be moved to an instant access lower rate ISA with them, by them. I thought I could just open a new (better interest) ISA with them and transfer the old ISA money across. But the highlighted paragraph below seems to say I need to open it from another…
