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Basic question re proposed 22% tax on Stocks and Shares ISA's
I have some investments, which are managed, in Stocks and Shares ISA's. I am over 65. I believe the new propsed tax at 22% on the cash element, is for everyone, under and over 65. Is this right? I am finding mixed messages re this! Also, how do I find out what is the 'cash' element of my ISA's, that the proposed tax will…
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UBL UK ISA transfer - need advise
Hello I can't find this on other threads about UBL. I sought to transfer old ISA money from a cash ISA (previously a fixed rate ISA with my normal bank). I did everything through the UBL website which said that the money has to go through into a funding account. So I made a payment (transfer) out of my cash ISA into that…
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HSBC cashback offer
Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…
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ISA reform update
Tax update 2026: simplification, modernisation and fairness summary - GOV.UK ISA Reform The government is confirming the anticircumvention rules to support reforms to ISAs announced at Budget 2025 as part of the government’s wider strategy to develop a retail investment culture. To prevent circumvention of the lower…
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Atom ISA transfer to Trading 212 - less than an hour!
Wow, that was fast. Really fast! I initiated the on-line transfer today at 15:26. Funds received by T212 at 16:23. Why can't it always be like that?
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Not sure how to manage L-ISA, S&S ISA & halting of SIPP
For the purpose of this, let's ignore the workplace pension before we deviate down that road. Current situation - I pay in an amount each month to my SIPP (Fidelity). Come the end of the tax year I see what the bank balance is like & how much I feel we can afford to say goodbye to & split that amount 50/50 between the wife…
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Disaster moving cash ISA from Skipton to Halifax
Anyone had problems moving money out of Skipton to another ISA? I am weeks in to the process and so far have had several letters from Halifax stating Skipton have found a mis-match between details provided by Halifax and their own records. We have checked everything and spoken to Halifax. The only thing we could find was…
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Hargreaves Lansdown Cash ISA (Powered by Shawbrook) 4.3% AER
Just a word of warning for anyone considering opening this particular Cash ISA with Hargreaves Lansdown. I opened this very ISA in Feburary which at the time was paying 4.3% AER. In the short time since they have already dropped the rate 3 times. In May they dropped it to 4.01%. In June they dropped it again to 3.73% and…
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Investengine and Dividends
Is anyone else totally fed up with Investengine not paying Dividends on time, especially when they pay them on the day after the ex-div for the next month? So I've complained several times and it just keeps happening. They fobbed me off with "JP Morgan controls when the dividends are paid and we don't receive them straight…
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Crystal ball thoughts - 1 year or 2?
I have not yet funded this year's cash ISA, and have just got a matured previous year's cash ISA. Rates for both 1- and 2- year cash ISAs are about 4.6%. I haven't been tracking the rates over the last month or so, to see whether the general direction of travel is up or down. I am happy with either duration. Any thoughts?!
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options on s&s isa and xfer of dividends to cash isa
hi have cash held (dividends received) in a barclays stocks & shares isa looking to transfer the cash to another provider but in to a cash isa those i have looked at do not seem to allow transfers in to cash isa from a stocks one has anyone managed to do this and if so, what provider thanks for any advice
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ISA question
I have always saved with the Halifax. I have a one year fixed ISA 3,35% which matures in December. I was listening to Martin Lewis who mentioned Chip? paying over 4%. Can I move to them at anytime or do I wait until the maturity date? He also said that they do the transfer for you? Thanks
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MSE News: Cash held in stocks and shares ISAs to be hit with 22% charge on interest from April 2027
Savers who hold cash inside stocks and shares ISAs will be charged 22% on any interest earned on that cash from 6 April 2027, the Government has confirmed. The charge is designed to stop people using investment ISAs as a workaround to hold cash when the cash ISA limit is cut from £20,000 to £12,000 a year for under-65s…
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How will I get my money out of SS ISA?
In 20 years when I want to live off this cash, how can I get it out of you can no longer transfer to a Cash ISA? Living off invested money seems risky.
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CSH2 Money Market ETF
I am quite an experienced long term investor with a portfolio of investments built over the years. My wife has a transfer of funds held in a SIPP awaiting investment decisions and is age 66. The funds are currently earning a v low interest rate in the SIPP account. We have been reluctant to invest further at the current…
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Moneyfarm Cash ISA - impossible to get interest breakdown?
Nothing on the app and in the quarterly statements mentions the interest added. Only way I can seem to do it is a monthly view and deduct the ‘earnings’ from the previous month. But ideally I want to see when and how much they paid me for the 12 month bonus. Any ideas? I have emailed their hello@ address but as with them…
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Worst Cash ISA transfer saga ever?
Late April I initiated a cash ISA transfer NSI to Shawbrook sending about 55% of my NSI funds to them. Took 6 weeks or so to go through (2 cheques, 1 didn't arrive, second one did), SB admitted the delay/lack of action, paid £50 compensation and I was happy it was over. 2 weeks after that I was amazed to see the transfer…
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Paragon to Meteor - Superfast!
Paragon ISA matured today. I completed transfer request with Meteor last week to be actioned upon maturity. In my Meteor ISA account today at 5.45pm. Well done to both providers. Take note HSBC!
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Upcoming ISA Rules, and MMFs
Hi, I'm using the term "MMF" because I can link that to specific funds, like "Royal London Short Term Money Market Fund". Whereas the term "cash like" may take in things I know nothing about. Roughly 50% of the comments I've seen say that you can hold MMF in your ISA so long as that fund doesn't make up 100% of your…
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Impressively fast Cash ISA transfer - Chip to Monument
Opened the Monument Easy Access Cash ISA Boosted Rate account Monday morning and requested the transfer from Chip. By Tuesday 3pm it was all done, with the cash in the Monument account.
