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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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Interest on Stocks and Shares ISAs
I was reading today about the introduction of tax on interest from Stocks and Shares ISAs. I have held a Stocks & Shares ISA with Halifax for many years, but have never received any interest. So, my question is, are there different types of Stocks & Shares ISAs, those that pay interest and those that do not? I have been…
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How to transfer out of Trading212 cash isa?
Edit: I FINALLY managed to transfer it, transferred the ISA Vida bank even though the interest rate wasn't as good as elsewhere as it was the only one i found accepting it. It's taken 2 months! Huge hassle throughout from trying to figure out the trading212 account number (there isnt one!), having to wait days to get…
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Trading 212 - what do we think?
Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…
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Plum LISA 5.65% rate for LISA transfers in or not?
I for the life of me cannot find out whether that 5.65% rate is for LISA transfers in or for opening a new LISA. The MSE table says transfers in, but maybe i am wrong here and its the lower 4.01% rate i'll get? Seems like a cracking deal that rate as my moneybox has come to an end :( The website small print says: *The…
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Can I transfer previous years cash isa into new stocks isa
Hi forum. I have just opened a stocks ISA with a new provider and used the transfer tool to transfer across funds, including previous years, from a cash ISA from a different provider. My stocks ISA will only allow me to use £20000 max into my new stocks ISA. Can I not also use previous years cash ISA funds too? I thought I…
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Transfers and Flexible ISAs
I opened a new ybs flexible Cash ISA this tax year. I transferred in a Fixed Rate ISA from a previous tax year when it matured. That ISA contained £5,000 from the last tax year, and I have added £4,000 to my ybs during this tax year. I also have another flexible easy-access Cash ISA that I opened last tax year. I…
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Santander evoucher change of terms from £300
On the 22nd April Santander advertised an incentive by way of an evoucher if you transferred your ISA to them. At the time they specified a £300 evoucher for amounts between £75000 and £100000. A bit later they dropped this to £200 for the entire range £50000 to £ 100000 Google confirmed that this change had taken place,…
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Spanish Shares in an ISA
I have Spanish Shares (eg Banco Santander and Telefonica) in a platform's ISA. Can I reclaim Spanish witholding tax deducted from the dividends via my Tax Return? The platform does not reclaim witholding tax (except perhaps for US shares). I know for shares not held in an ISA, you can reduce your HMRC tax bill by the…
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Transferring S&S ISA from T212 to Investengine
Requested a transfer. T212 have emailed to say I need to sell my investments. Is this normal? Just wanna check?
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Moneybox Cash ISA - rate for transfers in
The Moneybox Cash ISA is stitting pretty at the top of the MSE ISA charts for "transfers in". But what I hadn't understood (and perhaps I am still not understanding properly) is that when MSE says the rate of 4.75% includes a bonus "for newbies" this seems to mean someone who has NEVER opened a cash ISA, not just a new…
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Problems transferring Lloyds Cash ISA to another provider
I initiated a transfer from the new provider, giving (what I assumed) were the correct details of the Lloyds cash ISA: Account #, Name, Sortcode etc. It's an instant access account with no notice or other issues to worry about, so I'd assumed it'd be complete fairly quickly. The transfer request from other provider…
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Transferred & New ISAs & tax allowance
Thanks everyone it seems my post has now been taken over
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ISA funding problem Santander to Trading 212
My son mistakenly did a bank transfer from his Santander ISA to Trading 212 S&S ISA.. He had already contributed £20,000 to the Trading 212 ISA this tax year so the money was not allowed into the ISA account. Instead of rejecting the money Trading 212 put the money into his invest account - a completely different account…
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My child has won a Medical Negligence claim what do we do with £26k?
My six-year-old son has recently won a medical negligence claim and, subject to approval by a judge, which we expect in July 2026, he will receive a settlement of approximately £26,000. Due to his age, the funds must be placed in an account that cannot be accessed until he turns 18, and only he will be able to withdraw the…
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Plum WITHHOLDING Government LISA Bonus
As plum is the MSE number 1 recommended LISA provider why are Plum not paying the government bonus on time or even at all? I paid in the full allowance on 6th April 2026 and I have still not received the £1000 government bonus. I have emailed them on 2nd June and I was told that payment would be paid in the first 10 days…
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SIPP or Stocks & Shares ISA
I have been left 74K approx. There may be a little more. I'm 63 and not got much of a private pension. I've found the advice confusing but should I get a SIPP rather than a stocks and shares ISA at my age? I understand I have to pay in over 2 years so need to put some money into something else until I can get that far. I…
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NSI to Shawbrook cash isa transfer delay next steps
I set a cash ISA transfer in motion at the end of April - emailing to SB - who then confirmed receipt and that they'd emailed it onto NSI. Was surprised to see the funds had left my NSI by the end of April - so expected it to be "plain sailing" afterwards and be well under the usual 15 days - having done those steps above…
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Cash isa or s&s isa
Ive had vls 60 since january 2022 and had an average return of about 7.6% per year. Ive had £20k available since last month from a matured cash isa and i recently put £15k of it in an easy access cash isa. Now i'm wondering about the other £5K. Do i put in my s&s vls60 or just add to the easy access at 4.03%? Retired but…
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Hargreaves Lansdown HL Junior Stocks & Shares ISA
Hi, I've put funds in to the above and now want to invest in ETFs for my children (1 year old and 3 years old) . My criteria is: Low fee Accumulation funds so that any returns are re-invested focus on how the fund has performed over 5 years Good georgraphic spread (not all US as many fudns are) Idealy a UK fund manager…
