ISAs & tax-free savings

when my fixed rate cash isa matures.. I can let it default to ordinary flexible cash isa. Can I withdraw some monies then and re-invest the whole of the remainder back into a fixed isa ie if I had 40k initially , withdraw 10k and then transfer the remainder (30k) into a fixed rate cash isa and also add a further 20k as…

My partner has a number of shares in my trading account worth 12k, having doubled in value. Could I sell an equivalent number of shares in my ISA account and give her the full amount and her be free of any tax burden?

Thoughts please. I want to invest £450 a month of surplus income into S&S ISAs from April onward. (I have plenty of cash to cover emergencies). I currently have a Nutmeg/JPM S&S ISA that I put £500 in for a sign-up bonus, and £100 in a Santander S&S ISA that I opened purely for the cashback. I bought Vanguard Life Strategy…

I'm hoping someone can point me to a definitive answer on this question. I contributed the maximum £9000 to my son's Junior ISA in the tax year he turned 18 (2020-1) , In that same tax year I contributed 14k more to his now adiult ISA, and 4k to a LISA with a different provider. I consulted an IFA who insists this was an…

I tried to open an Easy Access Bonus Account Online, with my wife which was shown on MSE. We filled in the form and had an email back saying it was received and Shawbrook Bank would be in touch within 5 days. Nine days later I called them to ask what was happening? After giving the Application reference number and my…

Hi i used to be with XO share dealing but this was taken over by II. I don’t deal much and want to cash out and then close the account before the monthly payments start. However although the trading account shows the full cash amount c £3000 when I go to withdraw it just shows the very old cash balance of £160 as…

Hi, I have inherited a couple of ISAs following my mum passing away last August. Now have probate so writing to the providers to close the accounts. I understand that at the moment they are classed as ‘continuing ISAs’ until they are closed/cashed in i.e. the estate is settled. Can anyone advise as to the tax free status…

Hi, I opened a Moneybox ISA a year ago and the rate is dropping. I looked to transfer it to Cynergy but they will not take a transfer in from Moneybox as they (Moneybox) do not give their ISA accounts account numbers or sort codes. They use your NI number instead. When I tried to open a Cynergy account and said I would…

Parents in their late 80s, have maximum allowed in premium bonds, but thanks to robust pensions and attendance allowance, coupled with a very restricted lifestyle they have more money coming in every month than they can spend. I'm assuming a variable rate cash ISA would be the best option (don't think the fixed rates allow…

Anyone know why I can't get any gold facing investment into my Vanguard S&S ISA? My HL SIP allows it but not the ISA it seems.

Hi all As a long term plan I will put most of my savings into a pension invested in a diverse fund. If I wish to invest a few thousand more so as a hobby into specific stocks eg companies I think are selling a useful service or goods and will be for the long term, is it a good idea to use a s&s isa for this? For example…

I was about to transfer from my current cash ISA (3.72%) into the Moneybox Cash ISA @ 4.32% (bonus) as advertised on here - But it says "Is not a flexible ISA" What does this mean exactly? - Short answers / Examples greatly appreciated -

Hi, I am trying to find the COOP FIXed term ISA rate advertised in December 2025, just before Christmas. Is there anywhere I can find this? I have looked in most places I would have expected to see it, but no luck. Thanks for your help!

Hi,I have a cash ISA with NatWest and recently my Sainsbury's cash ISA was transferred into NatWest. So when I look at my NatWest accounts I have 2 separate ISAs listed. The old NatWest account has a lower interest rate than the ex-Sainsbury one (under 3% vs over 4%!). I want to keep these investments with NatWest because…

* Hi there, * Does this apply to a pensioner? * Low earnings & savings interest. If you've an income under £12,570, the starting rate for savings lets you earn up to £5,000 in interest tax-free. For each £1 you earn above £12,570, you lose £1 of the allowance (so nowt if you earn £17,570+). * Thanks, * (Removed by Forum…

In the last couple of years I've transferred my ISA twice and both times I've received no notification of the transfer from the outgoing bank before it happens. The first time Virgin Money sent me a letter several weeks after the money had already left their account. The second time the money has already been received at…

I have been saving in my cash LISA for a long time to buy a house. Recently, I decided to buy a house with my partner, but the properties we are considering exceed the 450,000 threshold. Consequently, I anticipate being penalised if I use my LISA as the deposit. I am aware that the government is considering reforming LISA,…

I read a daily mail article today saying our wonderful chancellor is cancelling the ability to transfer S&S ISA back to cash ISA’s, I appreciate this is to stop people putting in the additional £8k into the S&S ISA and transferring back, but what about old investments I have a lot of money currently In a S&S ISA, do I need…

Hello, I am in my 20s, don’t have any debt aside from my student loan and have £25,000 saved in my LISA. I am going back to university in September and therefore I don’t think I will get onto the property ladder in the next few years. If I buy a house in the future I don’t think that it will be over 250,000 as I live in…

hi all normally i would be a cash isa person, but with the new rulings regarding isa's i was thinking "ok time to look at putting my savings into a s&s isa"...but whilst the (Removed by Forum Team) is in charge i really dont want to invest in american companies, so is there such a thing as a s&s isa that only invests in…