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Savings: Student finance and Tax code
Hello! I am new here and to all of this, so sorry if I have posted in the wrong category. I am a single parent, and my daughter has just gone to
university and was entitled to the full maintenance and tuition loans due to me
earning under £23k a year, with no savings. My brother has recently sold a family
property and has…
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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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Problems with AJ Bell stocks and shares ISA - incorrect data
Hi all, I use AJ Bell for my Stocks and Shares Isa and the price inaccuracies are unbelievable. Home Screen gives different prices to the ISA screen, this morning it has been showing one share at £2.20 when in fact it was £1.82, the graphs are always out of date or non existent and the App has showed as many as 5 different…
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Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025
I notice that there's been a change to the Flexible ISA Regulation (5DDB) dated 15 July 2025. See: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made The main effect of this is to change paragraph (3). From April 2024 this said: "(3) Any replacement subscription may be made only to the account from which the…
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ISA Transfer from Trading212 to Chip
I found a few posts in this forum about people successfully transferring their Trading212 cash ISA to CHIP but having issues initiating the transfer. I am using the CHIP app and have got to the question about who provides the ISA that I wish to transfer in. Trading212 is not on the list, so I have to choose the option…
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Not subscribing to an ISA - it gets cancelled?
For my father, he received the following letter from Nationwide. HM Rules state that if you don't subscribe to your ISA for a whole Tax year or more you're required to complete an ISA renewal before you can start making subscriptions again. We have not received a response to our letter therefore to ensure that the ISA…
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Moving Nationwide cash ISA?
My current Nationwide cash ISA is due to end in a month. It's going to be moved to an instant access lower rate ISA with them, by them. I thought I could just open a new (better interest) ISA with them and transfer the old ISA money across. But the highlighted paragraph below seems to say I need to open it from another…
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Method of paying interest on ISA.
My wife’s ISA interest is being paid by Barclays in the form of a cheque. As paying in the cheque via our iPhones or iPad has never worked, it’s a huge inconvenience with no Branches open near us. I assume she mistakenly chose this option when she opened the ISA. Can we change this arrangement to paying it into another…
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ISA transfer by manually withdrawing
I cant find an answer to my specific situation on any website that deals with ISA ''transfers'' so I'll ask it here: I have 2 ISAs; 1) Hargreaves Lansdown 2) IBKR I recently opened my IBKR ISA about a year ago. I've had my HL for 4 years. Reason I opened IBKR ISA is because the fees are much cheaper and investment markets…
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RBS / NatWest ISA
Has anyone else opened one of these Fixed rate ISAs recently and transferred in? I did a transfer request about 10 days ago online (via link in RBS app) but haven’t received any acknowledgment from RBS or anything from the existing provider (Nationwide). It seems a bit odd as normally you do get transfers acknowledgment. I…
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Transfer multiple ISA pots out of Zopa
I've got 4 different ISA pots with Zopa. One is a new fixed pot which ends next year, the other 3 are instant access pots only earning 3.5%. I want to transfer these 3 pots to a new ISA account I have with Natwest. I could attempt to combine these 3 pots into 1, but it will leave some as yet unpaid interest in 2 pots if I…
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Confused about ISAs
Hi i am new to ISA savings and a little confused. My fixed rate ISA matured in august 2025 and I have recently transferred £20k to a new fixed rate ISA with a different provider ( using the transfer in process). Am I right in thinking that I can open a further ISA for this tax year and deposit another £20k with a different…
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Is it possible to have EUR Holdings & withdrawals in an ISA
I will have some ongoing € commitments and I would like to limit my currency exposure. Is it possible to hold EUR denominated income funds in an ISA, receive that income in EUR and then transfer EUR to a EUR account such as WISE/Revolut?
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ISA withdrawal vs transfer
HI, I'm new to this forum and also not very good with ISA rules. Please can you help? I have an existing easy access ISA with the NatWest which I haven't used for a few years (it just collects interest each year) and opened another recently with YBS in order to transfer some funds to keep the maximum in the NW ISA to below…
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Taxable savings and income
I have a question please? Assuming that i earn £12575 or less. If i accumulate £1800 in savings interest in addition to £1000 savings interest from an ISA will i pay tax?
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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Opening two Cash ISA's with one provider in a year
I had a two-year fixed rate cash ISA with Natwest which matured in July this year. At maturity it converted into a low rate easy access ISA. I then opened a new Natwest fixed rate cash ISA and transferred the full balance from the easy access ISA to it. I didn't add any cash (my 2025/6 ISA allowance is elsewhere). Very…
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ISA maturity uncertainty
Hello, I'm a little confused: I have an ISA (4.75%) which matured at the end of the day yesterday (6th Oct). Yesterday, I applied for this to move to a new provider 'at maturity' as I was advised by the current provider to wait until the date and do this (although I have since realised I didn't need to wait). However, the…
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Virgin Reject ISA Transfer
I requested Shawbrook Bank to transfer my Virgin ISA into their 4.31% 1yr fix. I heard back today from Shawbrook that the transfer has been refused. Contacted Virgin and the explanation given is that Shawbrook have sent the request to the wrong ISA Virgin team. Apparently it depends on what sort code is on your Virgin ISA.…
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Tesco Instant Access Cash ISA
On the application page for the Tesco Instant Access Cash ISA it states... "You can pay money into your account once your application is complete, but you won't be able to take money out until you send us certain information by post. We'll tell you what this involves once your account is open." Does anyone have experience…
