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ISAs & tax-free savings

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Trading 212 cash ISA (5.32% variable for 3 months, then 4.5%)
Im thinking of opening up a cash ISA with Trading 212 to take advantage of their 3 month bonus rate. I have a cash ISA with Virgin that matures on Monday and I’d like to transfer that in. I’ll also be paying in £20k as soon as we enter the new tax year on April 6th. Does anyone know how long you have to put funds in the…
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 ?
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…
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?
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%.
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?
Has anyone tried to transfer out from moneybox?
This discussion was created from comments split from: Cash ISAs: The Best Currently Available List.
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…
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…
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.
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.…
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…
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…
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…
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…
Problem Transferring deposit to Moneybox ISA
Just trying to set up a new Open Access Cash ISA with Moneybox. My bank isn't recognising Moneybox as the company name when I try to set up a new Payee and when I proceed anyway it brings up the name Starling Bank as the Payee. I did a quick search and found a Starling Bank plc had been fined £29m in 2024 for 'financial…
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.
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…
Opening a new cash isa for multiple tax years
I am not entirely sure if If I can open and deposit £ 20,000 in a cash isa on multiple tax years. Let's say I have deposited £ 20,000 on cash isa in the tax year 2023/2024. I won't close this cash isa and neither transfer the amount to a new cash isa, I will simply keep it. Will I still be able open a new cash isa and…
ISA consolidation.
Hello. I am helping an older relative get some of their finances in order. They have 4 x separate fixed rate cash ISA's with Nationwide that have various maturity dates and various fixed rates. A couple are classed as Bonds when we look at them (Fixed rate cash ISA's still but description says Bond). Stupid question - but…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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ISAs & tax-free savings

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