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Tembo Cash ISA
Hi. Anyone here had a problem funding a new Tembo Cash ISA by transfer in? It's been 2 weeks now since the start date that they gave me. Initially they said that it was either my fault as I had given them an incorrect date of birth or the existing provider having incorrect infirmation - not so. It is no longer possible to…
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Trying to decide which ISA to move to
I am trying to decide which ISA to move our money to, currently in a nationwide one with a low interest rate, there seem to be so many choices.... Trading 212 Plum Moneybox Paragon Monument I am erring towards Trading212 as they seem to have a good initial base rate . I am not keen on the ones with the 1 year bonuses as I…
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ISA Query
I put 20k into a Santander isa account last year, can I put another 20k into the same isa for this year?
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Multiple years ISAs in one account
Hello. I have a query about some technicality. If I am transferring into a new ISA account provider my two past years of ISAs (40k+interest) and then I will also add this year's 20k allowance, once there is 60k+ in the account, all years of ISAs will blend into one total amount and going forward it will be impossible to…
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HSBC's GIC ISA Uninvested Cash Account – A Bit of a Head-Scratcher
Hi, I'm new here. I just wanted to share my recent experience with HSBC’s Stocks & Shares ISA (the managed one via their Global Investment Centre) in case it helps anyone avoid the same confusion I ran into. I opened the ISA in September 2024. The setup was smooth, and the online process seemed pretty straightforward. I…
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cash isa
every year we are allowed £20,000 tax free. what happens at the end of a year and the interest rate is not competitive and i transfer that isa to another company, will that be classed as my tax free allowance for the new year or will i be able to invest another £20,000 and have tax free allowance on that ?
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TEMBO Cash ISA : " Transfer in progress- funds received "
Hiya, Unable to contact them to get an answer so I will ask anyone who had a recent experience of transferring a Cash ISA to Tembo. Facts are : In both apps it shows that funds were out of previous ISA provider on 25.03.25 and also received in new ISA provider TEMBO same day. However, a confusing (to me) message says…
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ISA 1yr or 2 yr Fix?
Hubby and I have ISAs due to mature in a week or so. Given the current climate, would you go for a 1 or 2 (or even 3!) year fix?
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Trading 212 - Cash ISA interest rate dropping on the 1st of May 2025
I'm surprised to see an email from Trading 212 notifying me of a rate drop on the 1st of May when the BoE is meeting on the the 8th of May to decide if the rate is going to be cut. Or is this a response to the recent news that inflation has dropped to 2.6%? The current Trading 212 Cash ISA is dropping from 4.5% to 4.35%.
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Transferring out of Moneybox ISA
Please could anyone who has successfully done this add here any institutions that had moneybox on their list as possible ISAs they would accept from?
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Keeping to 85,000 per organisation
I’m curious what the people think when savings build up over the years and decades and then existing providers offering better rates than other providers, does this encourage you to exceed the 85,000 per organisation? Currently monuments are offering a better rate on ISA than trading 212 but I’ve already exceeded 85,000…
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Cash ISA 17 yr old
My daughter is 17 yrs old and has a Junior Cash ISA. In March I tried to open an Adult Cash ISA and was told by her provider that this couldn't be done until she was 18. I therefore added to her JISA and subsequently added more after 6th April. However I have now seen the following on the Gov.uk ISA website "If you were…
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ISA overpayment
I have accidentally opened 2 x ISA accounts in 24/25 tax year totalling £26,000 which is over the £20,000 allowance. What do I do about it? One doesn't mature till Aug '25 but if I close, it will attract charges.
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Cash ISA bonus switching
Can I do multiple switches on my cash ISA account, taking the short-term bonus each time to chase the maximum return? So if I for example put £10k into a Moneybox cash ISA today and get 5.71% (4.2%+1.51% bonus for 3 months). Then open another with Monument at 4.76% with £1k in 3 months time and do a transfer from Moneybox.…
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Stocks and Shares ISA - which to choose?
Hello, I'm about to open an S&S ISA and am choosing beteen AJ Bell and Vanguard, purely based on having heard of these two. I know that one is a platform and one isn't, and one is more expensive than the other in terms of buying funds. Does anyone have any thoughts on either of these? I know there may not be a…
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Charter Bank ISA transfer poor experience.
So I've been told the interest on my Charter Easy access cash ISA Easy Access Cash ISA Issue 47 is dropping to 3.9% so I decided to transfer to their Easy Access Cash ISA Issue 57 at 4.5%. Went through the process, reading the T&C's then at the "end" of the process they tell me they are not long accepting new accounts. Why…
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Post Office ISA?
Has anyone opened one of these? As per MSE recommendation I opened one but I find it utterly baffling its the first ISA I've ever opened and I can't for the life of me figure out what I'm supposed to be doing. There are two accounts? A holding account and another one you have to put money in the holding, is that right? And…
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ISA opening confusion
Apologies if it's already been asked but couldn't find answer in forum. I have £20K in an ISA due to mature in Sept 2025 (opened Sept 2024). I would like to open another cash ISA with approx £7K in this current tax year. What can I do with the £20K when it matures? I thought I could open a new one in this new tax year then…
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Isa query
I have an 18 month term Isa maturing this October and was wondering what my best options are. Whether it is possible for me to transfer it into a new Isa now without paying early release charges.
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plum cash isa ..help
hi all, ive just opened a plum cash isa which gives its rates as 5.04%...so ive put some fresh money into it...however ive read on a couple of articles and also on the plum site the following:- *Rate includes a Plum bonus of 1.50% AER (variable) if kept for 12 consecutive months and is for new customers only. The interest…
