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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 My question is can I withdrawn from it in the 2025-26 tax year and then pay it back in later…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?
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Putting £4k into a LISA now….bonus?
Hi there, if my daughter (18) opens a brand new LISA now (1st April), will she get the bonus for this year and then be able to put £4k in again next month? Hopefully this is a stupid question. But I feel like I’ve seen something to say there is a delay in the bonus being added. thank you.
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Alternative to CASH ISA
I hope this is the right board - please feel free to move it. I have 1 year cash in a current account and will also keep £20K back for 2025/26 cash ISA (open to other options). All the rest of my spending / expenses are in my fixed cash ISAs (4.5%) which will be ending from April 2025. I am thinking of whether there are…
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LISA bonus - mitigating 25% bonus charge when house purchase process is inefficient
Hello, Newbie here seeking some advice of what to do if the expected first time buyer house completion process hasn't followed the intended path to enable the use of the LISA. Background: My son opened his stocks and shares LISA six years ago with the sole intention of using it for his first home purchase. His completion…
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ISA intrest takes me to over 20k
I've just had an isa mature with 20k plus intrest. I've transfered the 20k to a new ISA and had planned to withdraw the intrest and invest it in a new ISA in the new financial year, as I thought that transferring the whole amount would be against the ISA rules as it would have been over 20k. Could I have transferred the…
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Stocks and shares ISA
Any advise on where I can open 2 stocks and shares ISAS in the same company please? I want to do some investing for my children (so I can decide when to give them it later in life) and I like to be able to keep things together if possible. So ideally I'd like to open 2 S & S ISA in the same company. Thanks
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Savings account for 17 year old - struggling to find an option!
Hello, our son is in the fortunate position of having been left a chunk of money by my Dad. The money has been in a savings account that will mature when he turns 17 next month. I'm struggling to find a good option for a savings account as any that I've come across you have to be 18 to open them. He already has a Coventry…
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Cash ISA accepting faster payments
Can someone recommend a Cash ISA with a sort code and account number that accepts faster payments? I know that most savings accounts need to have a linked current account to transfer money in and out. This is what I would like to avoid as I have read it takes the funds longer to hit your current account (even when there is…
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New ISA and ISA Transfer in same tax year?
Is it possible to open a brand new ISA with £20k and also transfer an existing ISA to a new provider (paying no new money in) in the same tax year? I'm assuming that transferring an ISA doesn't count towards the 20k limit per tax year as its money that's already been paid in a previously? Many thanks!
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Post Office or Bank of Ireland UK
With both offering the same ISA product, are there any advantages of using one over the other?
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You Can't Open A Stocks & Shares ISA If You Don't Have A Job
I applied to Trading 212 to open a stocks & shares ISA, but they rejected my application because I don't have a job, I am disabled and recieve a disability benefit! I informed them that, although I didn't work, I am a house wife and have a small diability benefit. I told them that my husband did work, he has a managment…
