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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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Why is there a 10 digit account number on the Transfer Request Form?
Cash ISA transfer from T212 to RBOS - just been sent the transfer request form to review and sign. The receiving RBOS account has a 10 digit account number that I don't recognise. Anyone know why? I have contacted T212 and RBOS to ask why my 8 digit RBOS account number is not on the form and await their replies...
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transfer from isa to isa ...but done mannually via current account
hi all after The programme this week I opened a new ISA with Atom, with the view to transfer my existing ISA ( both cash ones) across, but Atom don't allow ISA to ISA transfer only transfer via current account. How does moving my existing ISA into my existing Current account and then into my new ISA impact me ? anyone else…
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Flexible ISA Question
I have an instant access flexible ISA with Virgin Money. My balance at close of play on 5/4/2025 was £10,600. Between 6/4/25 and 29/5/25, I withdrew a net £1,100 and the opening balance on 30/6/2025 was £9,500. Between 6/4/25 and 29/6/25 my balance never exceeded £10,600. On 30/6/2025 I transferred £5,000 to a flexible ISA…
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Lump sun in Lifetime Stock & Shares ISA now or not?
Hi all, I am going to give a few thousand pounds to my daughter as a gift (with her normal savings, she would still be under the 20K limit for ISAs). This is a portion of a small inheritance I have received and whilst I don't want to give it to her with strings attached, I would like it to make a difference in her life in…
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Wealthify S&S ISA via MSE - This offer isn't available right now !
I followed the link on MSE for Wealthify from the Managed and Robo stocks and shares ISA platforms section. However I receive This offer isn't available right now ! Is anyone else having better luck
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HELP TO BUY ISA & LISA
Hi My son is looking to buy a house next year and has a help to buy isa & a LISA, he knows he can only use 1 of the bonus's but wants to know should he be moving the money from his H2B (he's at the max) into his LISA, leave it there just getting interest, or is there somewhere else he should move it to to get more interest?
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ISA changes 2027
I'm reading the latest from HMRC. Tax-free savings newsletter 19 — November 2025Published 27 November 2025 The following rules will be introduced to avoid circumvention of the lower limit for cash ISAs: * no transfers from stocks and shares and Innovative Finance ISAs to cash ISAs * tests to determine whether an investment…
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Trading212 customer service
I opened a Trading212 ISA account and on July 3rd , in error, requested Barclays bank bereavement team to send funds from my recently deceased fathers account to Trading212. The following day I received an email from the generic info@trading212.com account explaining that they didn't accept funds from 3rd party accounts…
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Invest Engine S&S ISA Precious metal ETFs paused
Invest Engine has paused any new buying of precious metal ETFs, this is due to a FCA permissions review. It seems you can hold or sell precious metal ETFs but cannot buy now. I stumbled across this accidentally and had it confirmed via email from Invest Engine. I can't remember being informed by them which would have been…
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Autumn Budget: Cash ISA limit cut to £12,000 a year
How much you can save into your cash ISA each year will be cut from £20,000 to £12,000 from April 2027, the Chancellor Rachel Reeves has confirmed – though only if you're under 65, a caveat MoneySavingExpert.com Martin Lewis had called for. The change was announced on Wednesday 26 November as part of the Government's…
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Pension to ISA Benefits?
Hi, Taking into account the freeze on the personal allowance for the forseeable, do the forum members think that taking my 25% tax free lump sum out of my pensions and using it to top up my ISA would be a good move ? . My thinking is, why pay tax on any income above my state pension which I would if I drawdown my pensions,…
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New ISA Limits advice
With ISAs switching back to a mixed cash/stock setup, here’s something I really wish I’d understood when I was younger: If you can, always max out your ISA allowance. Even if you don’t need it right now. Even if you’re not paying tax yet. Rules change, economies change, and one day you may find yourself paying far more tax…
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ISA shares dripping
If you hold shares in an old ISA that pays dividends the income is not taxable. Some companies will allow you to reinvest the dividend (DRIP) into buying more shares rather than take the dividend as cash. If you decided to take this option do HMRC regard this as investing in a new ISA?
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ISAs with monthly interest (and possibly some access as well)
Not sure if this is even a possibility or whether such an ISA exists but has anyone got any suggestions as to cash ISAs which add the interest on monthly. This is for new funds (but possibly I can also transfer an ISA from a previous year across). Ideally I would like easy access and fixed rate but I know this wont be…
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TR^DING 212 ISA - Password in 3rd party data breach
When logging in today was advised to change my password as it had been involved in a 3rd party data breach. As far as I can remember this password was unique to this site. I wonder if anyone else has seen this message when logging in to Tr^ding 212. I never save my password and always enter it manually. Also I now see my…
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Chip transfer out with zero contribution in current tax year
I have recently been trying to transfer out my Cash ISA from Chip to a fixed term account with Saffron. Being fully aware that I have to do a full transfer from Chip, and having only contributed in previous tax years (nothing in 2025/26), I only ticked the box on the ISA transfer form to do a full transfer of my previous…
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Cash ISA Inflated interest rate at point after adding funds- Trading 212
Hi all, wanted to gauge opinion on Trading 212 and its highlighted interest rate for Cash ISA via their app. I opened a cash ISA account 10 months ago but at that point didnt add any funds. I got round to adding funds this week. During the process the app indicated after the stage of depositing of funds the interest rate…
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MSE News: Martin Lewis asks Chancellor to raise the Lifetime ISA limit and answers viewer's question
MoneySavingExpert.com founder Martin Lewis has once more pressed the Chancellor Rachel Reeves to increase the Lifetime ISA (LISA) limit from its current £450,000 cap. In the latest episode of ITV's The Martin Lewis Money Show Live, Martin also answers a viewer's question on whether to continue to contribute to their LISA…
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HMRC increasing tax on salary due to savings
I have recently changed jobs and had a pay increase which puts me in the 40% tax bracket and I hadn't fully understood all the implications this will have. HMRC took an additional £300 in income tax in my November pay and when I called them to find out more this is when it became apparent that it's due to interest on…
