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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.

Chip ISA booster code 29 May 2025
Does anyone by any chance still have the Chip ISA booster code that was valid on May 29 2025 (or around that time)?
Can't transfer ISA from Monument Bank to Castle Trust Bank
Has anyone else had issues transferring their ISA from Monument or to Castle Trust? Both me and my husband are having issues and both banks are blaming each other. Castle Trust are saying that Monument keep rejecting the transfer request and Monument are saying that they have not received any requests. I don't know who to…
Virgin Money ISA linked to M Plus Current Account?
Hi All, I'm not sure this is the right place for my question, but I wasn't sure where to add it... I have a Virgin Money ISA with money in it. This is linked to "M Plus Current" and "M Plus Saver" accounts with nothing in them. I've had a letter from Virgin Money regarding the M Plus Current Account saying that "if you…
Post Office ISAs
Has anyone signed up for a post office ISA please? I'm in the process of creating an account but I am a bit put off by the URL postofficeeisa.co.uk, it is a link from the postoffice.co.uk site but the page looks really rudimentary, the logo does not have a hyper link and the address is clumsy. I want to avoid being scammed…
Unit price
About changing funds, please excuse my non- technical terms.. If I have 20 different funds on a platform and asked the platform to change (sell) these 10 funds and 'buy' '1 new fund'.. what would this process be called:1. re-registration2. selling and buying 3. switched4. or something else? And will I get just one unit…
Cash ISA maturing soon - what are my options so it stays tax free and I receive a good rate?
Hello I’m currently saving for a house move and am saving using cash ISAs. This one-year cash ISA will be maturing soon (mid/late June ’25) and am wondering what options I have to ensure I don’t pay any tax on this £20k going forward please In the year to June ’25 it has been in a cash ISA tax (free) wrapper so I presume…
Trading 212 flexible Cash ISA replaced deposits wrongly allocated to current tax year
I have a cash ISA with Trading 212 which is supposed to be flexible. On 6th April this year, my current tax-year ISA allowance data was reset so that it was showing "Used £0" and "Remaining £20,000" Since 6th April, I've been dipping into and out of the flexible ISA being careful always to first withdraw and then deposit…
Stocks and Shares ISA Automatic Reinvestment
I (a complete novice) opened a S+S ISA a few years ago and set the account to Automatic Reinvestment'. I waited for my number of shares to increase as the fund's value increased, but they did not. I contacted the help desk and was told that my account did not qualify for this action. So, all that happens is that the value…
Combine CASH ISA's
I have two CASH ISA that mature at the end of this month. Can I combine the two together to make only one? The combined value will be under £20K.
Cash rules and interest have I got this right?
Anyone clarify these questions regarding cash ISA's and interest earned please? Myself and my spouse opened a cash ISA for £20000 each this tax year. The money came from our joint account. Is this fine to open two cash ISAs from a joint account one for him and one for me? When the ISA's mature and say they both make e.g.…
Basic questions about fees for Stocks and Shares ISA
Hello, I'm new to investing and considering opening a Stocks and Shares ISA. I'd like to invest in ETFs, as I’ve been told that they tend to be less risky. My plan is to contribute £100 per month for the next 8 years, primarily for my son's future. I’m having some trouble understanding the fee structures. With AJ Bell,…
Opening an ISA without online bank account
Hi My 84 year old mam wants to open an ISA but is really struggling as she doesn't do online banking and doesn't really want to open an ISA online. She has been to her bank who can't help her and say she needs to open an ISA online. Is there anyway or anyone who offers ISA's by just filling in a paper form? Thanks
Cynergy bank wont transfer my ISA
Hi All, Wondering if anyone has any advice for this. Recently opened a new ISA with Moneybox and tried to transfer my existing Cynergy ISA over. Both accounts acknowledged the request and said it was in progress. 2 month later, not complete. I wrote to Cynergy who wrote back and said that during the transfer there was a…
Shawbrook fixed rate cash ISA - initial deposit
Hi, Shawbrook famously allows for unlimited deposits throughout the term of their fixed rate cash ISA. However, they do require an initial £1000 deposit in order to open an account. Does anyone know what the window to provide this initial deposit is? The reason I ask is that I’m thinking of opening an account, but have…
Cash ISA opening rules
Can I open a new cash ISA to the full allowance of £20,000 this week with my bank which has money matured from a non ISA savings account, and, also later this year transfer money in another cash ISA which matures with over £20,000 from its present provider into another provider?
Advice on multiple ISAs
I'm new here and I was hoping to get some advice. Currently my wife and each have a fixed term cash ISA (due to mature in about a month) and a fixed term stocks and shares ISA (due to mature in a few months). The latter were originally set up to pay a mortgage but this has already been fully paid. Our plan is the…
Stocks & Shares ISAs
Hi! This is the discussion thread for the Stocks & Shares ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
Are there any ISA providers that allow transfers in of a matured ISA 'mid-term'?
I have an ISA at 4.93% maturing in August. I would like to secure a fixed-rate ISA at a decent rate now, e.g. today, then transfer the 4.93% on maturity to avoid penalty, but everything I've found so far insist on all transfers in being completed within 30 days. I'm concerned if I wait another month or more, the rates…
Childrens Inheritance
Hi, My dad sadly passed away last year very suddenly. He did not leave a Will but did share with me how he wanted his estate shared. My Dad is divorced although remained close friends with my Mum and was single when he passed. My Dads estate will go to me and my brother to be split 50/50 due to probate and we will ensure…
Trading 212 cash ISA Allowance
Looking at my Trading 212 cash ISA, I am surprised that it says that my remaining current tax year ISA allowance is £25,000. I thought the amount was only £20,000. Is this an error on their part, or is one allowed to pay in to the previous year's ISA as well? That might make sense, since earlier today it showed the…

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MSE News

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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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