ISAs & tax-free savings

I have the Virgin defined access cash e-isa issue 35. And in a flummox over it. I (wrongly it seems) thought it was a one year term. So I was waiting for the supposed maturity to arrive so I could transfer part of it elsewhere to another ISA. There is no maturity, (and it's non-flexible, although you're allowed 3…

I have a Halifax Instant ISA paying a rubbish rate that I am looking to change. My basic understanding was that I would need to transfer to a new provider. However when I log in, there is the option to Renew, and lists with various ISA options including a fixed term I am happy with. As far as I can tell, renewing would…

Hello. I have a question about interest earned on a cash ISA. I opened a cash ISA with Coventry BS in September 2024 £20000 was deposited. I elected to have my interest paid monthly directly into my Lloyds current account rather than let it mount up. I have just found out that the interest I have received over the last 5…

If you're looking to open a junior ISA (JISA) for your child, first check whether they have a forgotten Child Trust Fund (CTF). Around 1.7 million CTF accounts were set up automatically, meaning it can be easy to double up. One MoneySaver who thought he was doing the right thing investing for his kid in an ISA has a…

I have a mix of several private pensions, which I consolidated into 2 main pots…. Putting these with 2 wealth management companies. I have not taken the 25% tax free sum. I have State pension … and 2 final salary pensions which are paying out. In a recent discussion it was mentioned that it’s far better to put £20k per…

Hi, my wife and I have set an ambitious but realistic goal of clearing our mortgage when our 10r fixed rate finishes in Nov-32. As we were lucky enough to lock in a low rate (and could foresee the pending rise) we know that its worth investing a set amount each month rather than overpaying. I have modelled that a growth of…

I've always used online banking for my ISA with Kent Reliance , I had quite a lot of money in it but now everthing is on their new online service my ISA has zero money in it, evething I had in it has dissppered !!! Has this happened to anyone else,

My daughter opened a Nutmeg Junior ISA 2 years ago, on my advice, for my grandson. I pay into it by standing order each month with additional lump sums for birthday and Christmas. I have provided the details of the JISA to other extended members of the family so they can pay into it if they wish. Several lump sum payments…

My son is considering a LISA. Trying to get our heads around best ways to contribute etc. LISA we’ve found has an introductory rate for the first year then the interest drops to 2.8%. He intends to pay in £4000 in year one. He also has a cash ISA which is paying around 4% and he can withdraw whenever he likes. So, after…

How do I find the best paying flexible ISA ?

They offer 4.75% and, for transferring £20K or £30K, an e-voucher equal to extra 0.5% 0.25%, and say "Choose from 200+ rewards", but show just some picture with 6 retailers. I spent some time trying to find other 200+ options, but failed. Was anybody more lucky?

My husband and I are "comfortable" in financial terms. I would like to help my children more. I thought i could pay directly into a S&S ISA, say £100, 2 children, £2400 a year, well below the current IHT gift allowance. My question is, is this allowed, or do i need to set up a standing order to their current accounts and…

My wife started a Tesco ISA last December (2025). The bonus interest finishes this December. She wants to invest this year’s allowance and Tesco are still offering 4.2% with a 12 month’s bonus rate. Does she add this amount to the current Tesco ISA? Does she start a second Tesco ISA to get the full 12 month bonus interest?…

Hoping there may be some experts here who can help me with some questions on the above. My husband sadly passed away last month leaving a cash ISA worth c. £40 with Kent Reliance who do not accept inheritance ISA's unfortunately. I've done some research and as the Executor of his Will and sole beneficiary I know I am…

Have others experienced what appear to be deliberate delays in processing ISA transfers? I have twice now noticed the NatWest taking the full 15 days allowed in the guidance to process straightforward transfers for which they have been given advance notice. It seems that this may be a conscious policy and if so I wonder if…

So I had a ISA with Shawbrook from September 2025 - Sept 2026. I have just transferred it to a Flexible ISA with Charter Bank. If I withdraw some cash from this flexible ISA and return it within this tax year is it still counted as a contribution from 25/26 rather than a 'new' ISA 26/27? In addition I am getting confused…

Its not particularly important but I've opened a Nat West ISA. As with all entities they tend to give an update on your ISA allowance (as well as regular e-mails asking if we have any left). My 'allowance left' is literally changing every day, going up, coming down. Back to 20k again now despite having thousands in the Nat…

DAK, when you transfer money into a new ISA, and then change your mind within the 14 day cooling off period, where does that money go. Is it back to previous ISA account with your former provider or to your nominated account, which of course is a non ISA.

Hello all my first forum query !! I am looking to transfer to a fixed rate cash isa. my current cash isa provider will not let me partial transfer £20k. Can I transfer £40K in one transfer ? many thanks

With Cash ISA interest on the rise, I have started to think about some of my existing Cash ISA and whether to move them or not. While I was thinking about it, a question came to my regarding how the withdrawal penalty is calculated for a Fixed Rate Cash ISA. Let me give you an example to illustrate my question: Let's say…