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ISAs
Hi, I have an Barclays ISA maturing soon and want to take some back, but reinvest the remainder into a new ISA! I am aware that any existing money in an ISA that you wish to transfer to a new ISA does not affect your annual allowance. However, is this only right if I take out a new ISA with Barclays OR can I actually…
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ISA Maturity Question
Hi All . I wonder if you could help me to clarify here . I have a 1 year cash ISA that was taken out on 26/01/25 and is due to mature 26/01/2026 . I had put 20K in it in financial 24/25 so the total will be approx 20.85k on 26/01/2026 . Also for this current year I had bought another ISA for 20K which is due to mature in…
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Moneybox: Open access cash ISA interest to be paid monthly
Hi all :) Got an email today saying interest that my Open Access Cash ISA interest will soon be paid monthly rather than annually. Personally, I am in favour :) Below what the email said. Thanks :) Hi, we’re pleased to say that coming soon, the interest on your Open Access Cash ISA will change from annual to monthly…
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Flexible S&S ISA - can I withdraw cash and deposit into Cash ISA?
Hi everyone I think this is OK but can anyone confirm? I have a stocks & shares ISA with IG. It has £10k in cash from this year’s allowance. I want to move this into a cash ISA with another provider (eg Aldermore - which also offers flexible ISAs). Can I just withdraw the cash from IG and deposit into a new Aldermore cash…
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Nationwide Triple Access ISA additional top up warning
Morning all, I help my mother with her banking affairs via Financial POA. Yesterday, I thought it would be a good idea to make a small transfer from her savings account into her ISA. She has plenty of headway within the £20k limit. I am very familiar with the majority of rules and regulations and being a Nationwide…
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Cash ISA switch at maturity,advice on trying investing (first timer)
Hi,I’m looking for some advice please. My fixed rate cash ISA ends next week and the new rate offered isn’t the best around tight now so obviously I’ll be switching. There’s not a great amount in there (around £22.5K) I was thinking of trying to invest my interest earned for this year but continue with a fixed rate cash…
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Help to Buy ISA and/or Lifetime ISA - Help!
I'll start and be honest that I have no idea what I'm doing :smile: I opened a Help to Buy ISA just before the cut off a few years ago and have a minimal amount saved. Life has unfortuantly got in the way and only in the past year have I been able to start regularly saving again, which I'm very grateful for. I've kept this…
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Old Help to buy Isa
Hello there, I was wondering once you max out the old help to buy isa at 12k can you keep taking the interest out each month over the 12k without a penalty? thanks
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Principality Cash ISA's
Their web site says interest rates are reducing on 5th February. Anyone know what they will be ?
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Status of FSCS recovered ISA money
In the hopefully unlikely case of a bank holding your cash ISA failing, and you then recovering your lost investment from FSCS, will you have lost the ISA status of the recovered cash, or can you apply to have it reinstated when you take out a new cash ISA with a different bank?
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Nationwide/Virgin merger and Isa's
Was wondering what people are thinking about the probable merger and how it may affect Isa's held with them. This is a quote from an email sent recently: If you have a notice account or a Fixed Rate Bond which hasn’t matured yet, you can take your money out between 24 February 2026 and 1 June 2026 without giving notice,…
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Offset and savings question
Hello all you lovely frugal people. For the first time in my life I have have the option of using some savings to offset against my mortgage and I wanted to run something past you all to see if I have misunderstood or over simplified things (very possibly). A quick overview of my position. 5 Years ago I took some extra…
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Gatehouse transfer in
Does anyone have an experience in GH paper transfers in? I applied for 4.21% fixed and requested full transfer from Teachers BS. At the end of my application GH asked me to download, print, sign and post transfer form. My question is - will GH accept a signed form sent by e-mail as an attachment? TIA
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Cash ISA consolidation
Hi all, apologies in advance for what might be a subject discussed before but I have searched and can't find the answer. I have several fixed term cash isa's with different providers which all mature on different dates. Id like to have them all in one place so I'm looking for a new provider that will accept multiple…
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ISA clarification
Happy New Year! I hope you're all doing well. I would appreciate some guidance regarding my ISA contributions for the upcoming financial year. I am a higher-rate taxpayer with an annual income slightly above £60k. Currently, I have £21k in a Marcus bank account and £16k in a Lifetime ISA. To avoid paying interest on the…
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Isbank Meteor Savings - 6mth FR ISA 4.35% AER - Any thoughts on this bank?
Came across this ISA today but not heard of this bank before. Any feedback would be great. Thanks
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Savings & Tax Code
I've recently been advised I underpaid tax by HMRC and have entered the 40% tax threshold due to interest on savings. HMRC have updated my tax code to collect expected interest moving forward. My questions: 1) Does allowing the previous years of owed tax to be collected in my tax code (rather than making a back payment)…
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Help to buy ISA transfer
If you have a HTB ISA which already has the maximum £12k eligible for the 25% bonus and you transfer it to a Lifetime ISA, do you lose the £3k from the 25% bonus that the account would have accrued? eg, if you transfer to a LISA, would you effectively be starting afresh?
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I am confused
I feel like an idiot for asking this... I opened my first ISA earlier this year and just paid in enough that I am at my £20k allowance and Trading 212 shows up that I have £20,230 including the interest. My question is if I transfer the £20k in 212 to another ISA after 6 April to get a better rate does this mean it is…
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HL Active Savings Cash ISA
Does anyone have any experience with Hargreaves Lansdowne savings platform for fixed term cash ISAs? Specifically, a) how long do you have to fund accounts once opened?; b) you don't appear to be able to transfer in from other cash ISAs to them but I presume you can transfer cash to their S&S and then move it to a cash…
