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Married couple allowance £1260
Please help, I am a non tax payer. My husband transfered married couple allowance over to me which is £1260. My total personal Income allowance is £18570 before paying tax, is £1260 (married couple allowance) is included in £18570 Thank you very much
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Topcashback £28 cashback if you open a Moneyfarm Cash ISA with £500 deposit
Moneyfarm Cash ISA Cashback New customers who make an initial Cash ISA deposit (Minimum £500) - T&Cs apply Exclusive £28 Topcashback Capital at risk. While Moneyfarm isn’t a bank, your cash is securely held with trusted partners, authorised banks or Qualified Money Market Funds, ensuring it’s in safe hands. *Variable rate…
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ISA variable or fix?
I’m ready to fund an ISA with new money. I have a few previous years in a trading 212 account so that seems an obvious choice at 4.5% but equally I don’t need the cash (and won’t need it for the foreseeable) and wonder if I’d be better off fixing for a year with secure trust bank etc at c4.3% I know none of us know what…
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Understanding Kent Reliance ISA Terms
I have applied for a 2 year fixed term ISA with Kent Reliance. This will be funded by a transfer in from another provider (in full) to which I have not contributed for a number of years. I was a bit confused by one of the terms on the ISA declaration which said something along the lines of 'I have not subscribed to another…
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ISA Transfer Question
Hi there, I would very much appreciate your input in relation to transferring ISAs. today I set up an ISA with Trading212 and used the whole isa allowance. I wanted to merge into this my ISAs from the last few years with Zopa and Plum. When starting the transfer request, I saw the following prompt and wasn’t sure whether…
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funding isa
I have opened a new isa with secure trust bank as recomended by mse. barclays warns that the payment could be a scam and i would not be covered if the money is lost. i have checked the bank as I am sure mse has. advice please, how do you fund a new a/c which is not with your current a/c provider?
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Isa transfers and top ups
Hi newbie on here and to isas, so first question.. Can I open a new cash isa (full allowance) and also transfer in from an old flexible isa at the same time. And then top up the old flexible isa again this tax year Thanks in advance
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Transferring soon to mature Virgin ISA to Moneybox
Just opened a Moneybox ISA and put 20k in. I wanted to set up a transfer of a Virgin ISA maturing on 24 April whilst I was at it but it seems I can't do this until it has matured. I presume the only way to do it is let the Virgin ISA mature into whatever ISA is the default and then set up the transfer?
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Is this a no brainer for JISA?
Hi, I currently have my 2 year old's Junior ISA with Vanguard, entirely invested into LifeStrategy 100. I've realised I should switch this to either Fidelity or Hargreaves Lansdown, both of whom don't charge their own service fee (Vanguard 0.15%) and I can continue to hold/buy LS100. The fee is negligible enough for now…
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Cash ISA - S&S ISA
When transferring cash ISA(s) after their term has ended (no / low interest) to fund a S&S ISA with a different provider , is there a way to minimise the lost of interest, as it will take 4 - 6 weeks for the transfer to complete ?
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Are T212/other 'Third Party' Cash ISA's watertight?
I have read previous threads on this, but still have a question. So, T212 itself is not FSCS regulated, but your cash ISA is held with banks like Barclays etc which are regulated and any funds held with T212 are held in a separate segregated client account. I'm comfortable that if Barclays, JP Morgan et al were to go bust,…
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Cash ISA easy access - can I leave last years savings in?
Hi all. Perhaps an obvious answer to some, but I want to check. I have £9.5k in last years ISA which I've left it there. Now we've rolling into the new tax year and the £20k allowances has reset. Can I drop in £19k into that £9k to bundle it all together and not fall foul of the tax rules. I'm unsure and want to check…
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Just opened Tembo cash ISA. Anyone know when they’re likely to reopen transfer in?
Just opened a Tembo cash ISA. I’ve fill my allowance for 25/26 but it says that transfer in from other providers is closed at the moment as it’s a busy time of year. Anyone have an idea/any experience of when it is likely to open to transfers again?
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Cynergy Bank
I have a bond with Cynergy bank from last year. I was going to open another one but cant get in to my account. I've recently got a new phone so I need to register the Authenticator app again. So I have to do this on Online Banking and follow the instructions. However! I cant get into. my account - it says there is no…
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Partial Transfers between ISA's from same provider
Hi folks - finding this a bit frustrating. I had an easy access Skipton ISA. 2 days ago I went to open a 1 year fixed rate ISA with Skipton. The idea was I'd leave some of the money that I'd need for home improvements that are on the horizon in the easy access and some that I wouldn't need for a while in the 1 year fixed.…
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Disappearing balance when using Post Office ISA holding account
Yesterday I applied for the "big name" Post Office ISA (4.4%) that I saw on MSE. I was surprised to discover that it uses a holding account and the whole product seems to be operated by a third party called One Family. As a precaution, I only paid in the minimum £100 deposit with my debit card. The holding account has a…
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What time of day to buy a world tracker ?
Is there a best time of the day to buy a world tracker fund , not some much to time the market but to get a rough idea of how much it will cost at the next price point ? I recently bought a HSBC one at 2pm and was priced at 12pm the next day and the price varied quite a bit ..
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Santander £50 e-voucher
Can anyone confirm if you transfer 2 different ISA's into 1 new Fixed ISA with Santander will you get 2 £50 e-vouchers. I have read from previous years where people have gotten 2 e-vouchers for transferring into 2 different ISA's but not if into the same ISA. I know I could open 2 Fixed ISA's but was trying to slim down…
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Lifetime ISAs guide
Hi! This is the discussion thread for the Lifetime ISA guide. Click reply below to discuss. If you haven't already, join the forum to reply. Thanks folks,
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I'm new to ISAs.
Hi, back in November 2025, I opened a Trading 212 cash ISA with £20,000. It's my first cash ISA; I've always just had easy-access accounts and fixed-rate accounts. Can someone please tell me what to do with cash ISAs now it's the new tax year? Do I open a new ISA with £20,000?
