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T212 New Customer Promotion as a previous customer
Hi all I have previously been a T212 Cash ISA customer but never used any of their promotional rates. I closed my account last year so they no longer recognize me as a customer. Their new 5.6% rate is exceptionally good, however reading the T&C it says if you were a previous customer it makes you ineligible. On signing up…
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ISA AND TAX YEARS
Good morning Newbie here so please bear with me Can you advise on two year fixed ISA's which have been opened by my wife and I As you can see below in 23/24 we took out an ISA and followed this up with two more in 24/25 We will be opening two more for tax year 25/26 but what happens when the original four mature next March…
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"Best" way to split ISA allowance?
In April I split my allowance into 16k SSISA and 4k LISA. I've just received my LISA 1k Gov Bonus, which I thought would have automatically reinvested into my chosen fund (with Dodl) however it's just gone into the available cash. Maybe that's a foresight issue by myself seeing as if it did go into that I would have then…
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Confused about Vanguards "costs & minimums" stocks & shares ISA.
I currently have an S&S ISA with T212 and I'm very happy with it. But I want to open a S&S ISA with vanguard also. I selected "cash" because I don't want to actually invest in any fund just yet. Then on the next section it says I need to invest either £500 in 1 go, or £100 monthly. So just to open the account I have to do…
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Wealthify - shocking amateurs
I really don't think MSE should have any association with this outfit. After three years they have turned the £5,000 investment in my grandson's ISA into £4,850. This is based on their middle ground investment plan. When we contact them their response is the classic standard, " investment is a long-term thing". Of course…
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Moneybox and Chip - Cash ISA as a previous customer
I held my cash ISA with Chip for the 2023/24 tax year. When the rate dropped I transferred it to Moneybox for the 2024/25 tax year. I was very happy with my customer experience of both companies, and could not fault them. During March 2025 my 12-month bonus rate with Moneybox expired, so like many others I chose to move it…
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Zopa ISA Rate
I have just seen that my Zopa Access ISA is showing a rate of 4.50%. Last time I looked it was 4.30% and due to fall to 3.80% on 6th April when the 0.50% bonus dropped off. Has anyone else seen this and does this also have a bonus?
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Zopa ISA Annual Allowance
I transferred an ISA into Zopa on 19 February 2024 and received £20.03 interest on 10 March. As at today's date (2/4/25), Zopa are currently showing a figure for my remaining ISA allowance for 24/25 but the interest has not been included in this calculation. Has anyone else seen this on their Zopa Smart ISA? I am not…
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H2B ISA withdrawal / mm
I’ve got a
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isa issue
I would be grateful if someone could help me. My daughter has two flexible isa's both opened in different tax years. isa 1 opened in 22/23 but this tax year withdrew £6500 from it of which £4000 was put into a Lisa. isa 2 opened in 23/24 has £15000 deposited. is she only allowed a further deposit of £1000 this tax year to…
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Trading 212 stocks ISA £40 bonus
I've recently set up several new accounts with the goal of spreading out & maximising my savings. One of these is the Trading 212 stocks ISA. I applied & used the MSE code & have received the £40 in my stocks ISA. I'm looking in the remaining week before the new tax year to max out my ISA limit for the year. Does the £40…
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investment ISA
I have an Investment ISA with Fidelity as well as a larger investment portfolio again with Fidelity for 4 years. I'm 64 years old and retired and my husband has recently retired with just a small Govt pension. I'm feeling like I no longer have any risk appetite as these funds are all the savings we have. My investments…
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Transfer of Stocks and Shares ISA
I have had the same stocks and shares ISA for 20 years with the same company it was originally Skandia and is now Quilter. I have never made any withdrawals or bought or sold any shares on the platform. I feel the charges are high as I do not do any dealings. I am looking to move my Stocks and Shares ISA to another…
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Flexible ISA rules
If I put in (say) £20k into a flexible ISA, withdraw £5k and then transfer then remaining £15k to a different, non-flexible ISA; can I put the £5k into the non-flexible ISA at a later date? Or is the £5k allowance lost?
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Trading 212 mse code
Hi, Can anyone tell me about getting the Trading 212 ISA offer with the mse code? I opened an account from a link in Martins news letter info on it but I don't see anything about the free shares.
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Topping up old ISAs
I have a cash ISA and several Stocks and Shares ISAs from previous tax years. I have had to take out most of the money of two of the ISAs as I needed the funds. Am I allowed to top each of them up again, back up to the £20,000 limit, when I have more money available again? Or is it the case that once I’ve taken the money…
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Help to buy ISA and Cash ISA
Can someone help me get a definitive answer please because I've seen conflicting responses. I have a help to buy ISA that i've been paying into for years (plus a small stocks ISA that i opened this year). Am I able to open a cash ISA this tax year too? I always thought you couldn't but NatWest seemed to imply you can have…
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Cash ISA - Tembo vs Post Office - Which do I choose?!
Hi all, need a fairly urgent response on this. Looking to open a new Cash ISA account before the 5th April tax year end, I have £19500 to put in. I am deciding between Tembo who are offering a straight 4.8% Variable rate, or Post Office who are offering 4.4% (1.25% variable + 1yr 3.15% bonus). The decision comes down to…
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Cash ISA Query
Hi, Never having previously been into ISA's etc, I have now taken the plunge and will do a Cash ISA with Trading 212 as they are offerring a good rate. The bit I want to clarify if I can, I could invest into the ISA the Max £20k now, and then on 6th April 2025 could invest a further £20k as its a new year? The other thing…
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HARGREAVES LANSDOWN CASHBACK
Hi all, I took out a Hargreaves Lansdown ISA on 24 July 2024 with the express intent of collecting the £50 cashback [available after 7 months] as described in MSE Money Tips 23 July 2024. This week I contacted HL to see where the cashback was as it had not appeared in my account. They've told me that this offer was limited…
