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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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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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Moving £45k into a Stocks & Shares LISA - How Would You Invest It?
Hi! I had originally planned to use my cash Lifetime ISA for a property deposit, but it's now likely I’ll be inheriting a home and no longer eligible to use it for a property. So I’m transferring my LISA, a pot of around £45,000, to an AJ Bell Stocks & Shares LISA and will now invest it until I turn 60, in 20 years. I’m…
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(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
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Transferring an investment ISA to a cash ISA
I have an investment ISA and want to transfer it to a cash ISA. I wanted to open an ISA with Charter Savings Bank but they don't accept transfers from Invesment ISAs. I've had a look but can't find anyone who does - does anyone know of a company that will accept such a transfer? TIA.
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Maturing ISA transfer issue
Hi, I have a cash ISA maturing in around 2 weeks time - I've done plenty of transfers before but not come across these issues before: - the maturing ISAs I've had previously would move into an easy-access ISA if no other option were selected - this one however defaults to moving into a new 1 year fixed ISA, on a poor IR,…
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ISA's HMRC re-Investment restrictions
Hello all, I wonder if someone with experience in this field could clarify something for me; Example scenario is I have £10K in a stocks & shares ISA with Friendly bank. FY 24/25 I put in £5K, FY 25/26 I put in £5K. If I close the S&S ISA selling back the shares lets say for ease I get back exactly £10K. As I understand…
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Trading 212 Cash ISA Transfer In
The rate offered is great (a loss leader). Be aware that there are a very limited number on banks they will accept transfers from and you only find this out after going through the whole acceptance process AND having to contact an adviser through their BOT.
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Relative has a JISA and CTF!
I have a relative whose parents are seperated. One set up a CTF a few years ago and the other recently set up a JISA. They only recently discovered each other had done this. I told them I don't think they are allowed to hold and pay into both at the same time and looking into it that seems to be the case, so I am trying to…
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Signing up to UBL UK
The above are showing in the best buy fixed rate 2Y cash ISA in the MSE main site, so with a couple of fixed ISA's maturing thought would transfer funds. However, sign up is just incredibly flaky and despite having a valid password, continuously claims that the password is invalid. At which point you have no option but to…
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S&S isa … am confused
I have a £20k cash isa with Trading212. Another £20k with virgin money. I doubt either are paying much interest. I’ve started an AJ Bell S&S Isa this tax year. I would like to transfer some of my cash isa to a S&S one. Looking quickly at T212, it says it pays 4.05% on S&S isa. Why does it mention an interest rate if it’s…
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Chip ISA transfer out and reopen next tax year
Chip has always said you can never have another ISA with them once you have transferred out, which has always put me off moving from them, but I finally went for it last week in order to move it to the 4.55% HL easy access ISA. I've just had an email from them and it says: "Once the transfer out has been successfully…
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Open Cash ISA without Photographic ID
I have tried to open a Cash ISA with Trading 212 for my sister but she has no photographic ID. Does anyone know of an ISA account which can be opened without this please?. It seems very unfair that those without this means of ID are excluded from getting the best rate. Thank you
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ISA Query
Has anyone tried to open a new Cash ISA by transferring in, rather than using an initial deposit? I can't make a deposit, as I have maxed out this year's allowance. I tried to open an Natwest ISA online but it just asked me to make initial deposit (from my current account, as I bank with them). No option to transfer in, as…
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Is Hargreaves Lansdown Cash ISA protected by FSCS
Hello everyone I would like to move my life savings, about 7,000, from my
very low interest rate bank into a better but secure Cash ISA provider. Hargreaves
Lansdown currently gives a high Interest rate of 4.55% and it seems a
good company from what I read about. However, I am totally confused whether my savings will…
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Help with ISA
I have 3 isa accounts with 20k balances in each. I have taken them out each year for the last 3 years. My questions are: 1. Can I move 1 or more of the isa's for a better rate at any time? 2. Next tax year if I wish to open an additional 20k isa. What are my options with the other 3 isa's or do I need to leave them with…
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Junior ISA investment
Hi - I’m just about to deposit my first sum into my new grandsons Junior ISA and I’d like to get some views on the best low cost well diversified passive index fund that I could put the money into bearing in mind it won’t be touched for 18 years. By default I’d probably use the Vanguard Lifestrategy 100 acc fund - but I’m…
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Small savings account
I would like to deposit £1000 and then add £100 every month for 2 years with no withdrawals needed. Which savings account/ISA would suit me best please?
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LISA Query
Hi, can someone confirm this for me please? I opened a LISA at the start of October, so I will get the 25% bonus in October 26. But is my 4k limit, and the 25% bonus, calculated by the tax year? So what I’m saying is can I put in the full 4k before April 26, and another 4k before October 26, and when the 12 months comes…
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Opening another Cash ISA
I have a year fixed rate with Virgin, it will mature at the end of the month. I'm about to get some inheritance money but I won't get this money on time to add it to my Virgin Cash ISA, if I don't do anything, they will move me to an easy access account with a far lower rate. If I sign up again for a year fixed rate, I…
