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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…
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Lisa bonus
We gave our eldest money towards a deposit on his first home, we obviously would like to do the same for our youngest. We're wondering if we give him £4k to put into a Lisa how long it has to be in to earn the 1k bonus? Presumably too late for this financial year? Thanks
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Switching funds
Check the process before switching funds and remember some platform may not give advice so they may say yes but may not suitable for your needs.
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New ISA
I have an ISA with Barclays, which matures in July. Can I open another one before the existing on matures ? Any advice would be appreciated. Thanks
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Virgin 1 Year Fixed Rate Cash ISA Exclusive issue 11
I have just opened the Virgin Cash ISA issue 11 with a fixed rate for 1 year of 5.25% and maturity date of 31/3/25, which at the moment is top of the 1 year fixed cash ISA tables. You need a Virgin current account. T&C`s state that no minimum is required to open and maintain this account and that you have up to 30 days…
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When?
Good morning all, first post so please be gentle. My question is about when to set up a new ISA. I have a fixed ISA with NatWest that runs Jan 2025 to 2026 which has a little over £20.000 in. My wife and I have just recently become mortgage free and are looking to set up a new flexible ISA to put the money we paid on our…
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Multiple fixed rate Isas
I have had Isa’s from the very beginning. Am I able to open multiple cash isa’s in the same tax year by only transferring in old Isa money ? So not adding new money but getting a higher interest rate? Thanks
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Have I over deposited in this tax year?
Hi guys - not sure if I am over thinking this... I put £15,000 into Virgin Flexi ISA11 on 13 Mar 2024 (23/24). I got a note from them saying it would move to Flexi ISA3 on 31 Mar 2025. Is this counted against my 24/25 ISA allowance? As I have also deposited £12,500 with Trading212 on 20 Feb 2025. Does that mean I have…
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flexible ISA 'same tax year'
Slight complication is that we are very close to the end of a tax year so let's assume it is currently May 2025. I already have a flexible ISA, it has cash in it from the 2024-25 tax year but I haven't contributed any in 2025-26. My question is can I withdrawn from it in the 2025-26 tax year and then pay it back in later…
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New ISA Rules - Splitting a matured Virgin Money fixed rate ISA between new Provider ISA's
Hi All, I have a Virgin Money 12M Fixed Rate ISA that has just matured. I want to split this between two new Providers, placing some of this sum into another 2Yr Fixed ISA with another Provider and move the remaining balance to a 1Yr Fixed ISA account, either with a completely different provider, or possibly the same…
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Repay Flexible Cash ISA from Regular Savings?
Hi, This financial year I withdrew funds from a Flexible Cash ISA to pay into multiple Regular Savers with higher interest rates. That worked for me. I'm a basic tax payer but time away travelling put me into the no tax bracket. At this time of year, I'd normally repay the Flexible Cash ISA but now the savings interest…
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Moneybox ISA bonus rate is for three months.
What if you take out your money after that three months? Do you walk away with the bonus or do you have to keep it invested for a year?
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Being denied 14 day cooling off cancellation after transferring money into new Tembo Cash ISA
I'm new to transferring Cash ISAs but have a situation where Tembo (a Cash ISA account recommended by MSE) are not allowing me to cancel a Cash ISA transfer when I've been advise that they legally have to do it within 14 days. To explain: I have a Paragon Bank Cash ISA account that matures on 2nd April 2025 & was informed…
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HL LISA regular investing
Over the next tax year I intend to pay into my HL LISA using their monthly investment option to smooth out any volatility and to avoid fees. However does anyone know how the bonus works? Will that be invested as per my instructions on a delay when it's paid in or will I need to periodically mop it up and pay fees?
