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Help needed please
Morning I’ve made a mistake by opening an ISA for my grandson with HL and have now found out that I shouldn’t have opened one - should have been with his parents. Is it possible to change this simple? Thanks in advance!
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Coventry BS Centrepoint Fixed ISA maturing 31.05.2026 - options
I haven't had an email from Coventry yet, but noticed on my account page that there is now an 'maturity instructions' link which shows what their offers will be for maturing ISAs at the end of this month. Not the most competitive: Option A - Fixed ISA (327) 31.08.2027 4.20% Tax free^ p.a./AER* (Fixed until 31.08.2027)…
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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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Chetwood Bank ISA - can't transfer to Tembo ISA?
I've tried to transfer my Chetwood Bank ISA to my Tembo ISA today, but Chetwood Bank does not appear in their transfer list - their automated help says that if a bank is not on their list, they have "temporarily paused transfers form that provider" Any advice on how I can transfer from Chetwood?
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LISA rules change
Hi, Has there been any recent rule changes for LISAs or my original understanding was wrong... Been told by both solicitor and legal ombudsman that them using my leftover LISA money to go towards solicitor fees is ok and now considered best practice to do. This is without incurring the 25% penalty. My previous…
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Best Second Savings Account after hitting annual LISA limit?
So I currently have a LISA that I've been using to max out the bonus cap. Very happy with it. I recently finished paying off some quite significant debts and am fortunate to be in a well-enough paid job that I can now afford to plough a fair bit more than 4k a year into saving for my first mortgage. Once I've hit the…
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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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Kent Reliance Changes - should I open new ISA
I have had a KR Fixed rate ISA for few years and have always regularly deposited into it every month or so. I believe I will no longer be able to do this so will just have to leave it as it is until it matures next year. Are there other ISAs that allow regular deposits? Or should I look at a normal savings account instead?…
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How to escape the Plum trap?
Hi. So I have 40k in a Plum ISA (the current interest rate there is only 2.7% - which is pretty poor). The problem is that there doesn't appear to be an easy way to transfer the ISA from Plum (I think it's officially listed as Plum Fintech) to another provider as when I have tried with a couple of other providers…
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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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Cash or Stocks and Shares more tax efficient for a tax payer
I have both Cash and Stocks and Shares ISAs and pay tax in interest and dividends. Would it be more tax efficient to move existing money in non ISA cash or non ISA stocks and shares into an ISA to reduce my tax liability. Not sure if there is an answer to this but worth asking all the more knowledgeable members on this…
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IG's £200 Cashback when you invest £200
Hi. Does anyone know if I would still get the £200 back if I deposited the money into IG but did not buy S&S or ETFs? I've already deposited the money and am now feeling extremely overwhelmed having to choose what to buy. I've only ever invested through a platform so wasn't expecting the billboard of flashing lights. If I…
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IG Stocks and Shares ISA - what account type do I choose?
I'm looking to open a stocks and shares ISA for 2026-27 and take advantage of the cashback off on this page: https://www.moneysavingexpert.com/savings/stocks-shares-isas/ The MSE page states: To open the S&S ISA you first have to open IG's general investment account (GIA). Your cashback amount is based on your initial…
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Exempt OAPs from tax on interest for cash held within stocks and shares ISAs
Good afternoon all, I thought that this petition was worth signing especially if like me you save into a stocks and shares ISA and are in retirement. Apparently I can't post links until I have been around for a while, so perhaps someone here would be kind enough to search the Gov petitions and post up the link? thanks in…
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Principality Flexible ISA
I have a Online Bonus 5 Access Cash ISA Issue 7 and have been told that funds depoisted this tax year must be replaced into the Principality ISA and if placed in another ISA will be taken as new isa funds. £20K placed into Principality this tax year and wish to move some of those funds to another ISA. This seems to…
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Um... just a little worried.
I have a cash ISA with a fixed interest rate that matured today. I previously told the bank that they should transfer the money into another ISA on maturity. Looking at the back today, the Fixed rate ISA now has a balance of £0.00 and there is no more money in the other ISA. There was over £21K in it. Is it normal for a…
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ISA Charges
Do you have to pay charges to manage a cash ISA? I thought they were just fixed rate savings accounts.
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Bed and ISA - sense check please
I'm hoping the below is correct, but looking for some confirmation as this is new to me! I've ~£20000 in JMAT shares and in about a month I'll receive a special dividend of ~£5000. These shares were moved from a SIP to HL a few years ago. The shares are worth slightly less than when I moved them so there should be no CGT…
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Cash or Stocks and Shares LISA for additional retirement savings?
I used a Help to Buy ISA to purchase my first house and am looking at opening a LISA, before they are scrapped next year. I am intending to use this LISA to save for retirement and open it with a small investment now to secure the account. I am 31 and so initially planned to open a Stocks and Shares LISA, as this account…
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New LISA for Retirement question
Hi, Reading up on the new LISA Rules also for Retirement purposes (not first time buyer purposes) has me questioning something that isn't explained. Me and my partner both had set up a Lifetime Isa 5 years ago when they offered the first time buyer LISA with the £1000 on top bonus. We did that for 4 years and used it both…
