ISAs & tax-free savings

Anyone seen the new 5.25% for 5 years from West Brom building society? I hope this is the start of some very competitive rates being offered.

59 year old Brit finally decided to setup my first Stocks and Shares ISA (about time some would say) and well done for the UK Government giving me a nudge by dropping the Savings ISA Cap. After research I decided to play it safe and long term (10 years) buy buying a well known global index fund tracking all the usual…

West Brom FR ISA 5yr offering 5.25%. As a comparison I opened a 5yr with Nottingham a year ago 4.23%. If I'd invested £20,000 I would be missing out on £204 p.a.

Hi, I know the fixed 1 year has interest paid annually, but does it tell you on the app each month what the current value is, or do you literally see no interest until after 12 months? Do they accept transfers in of an existing ISA which is worth over £20k? Thanks

Have any of you guys opened the above in a way that has enabled you to claim the cashback. The T&C state that it has to be new money and cannot be money transferred from a HSBC current account or savings produce or First Direct too. I have both those bank accounts and no other. To try and get in on this offer I tried to…

This is the discussion area for the Top Junior ISAs Please click reply to discuss

I have recently opened one of these and I'm not happy with the fact that they want access to all my bank account details - this includes balance and transactions. This doesn't sound safe and secure. Advice please.

I am thinking of saving with a company offereing 4.71% fixed for one year. What do they mean the interest is not compounded. I have never seen this before

I have a 1 year fixed rate ISA that is due to mature on 31 May 2026. I am expecting to hear from them regarding maturity options, but nothing has arrived so far. I believe the default option is another 1 year fixed rate ISA at Coventry, which I do NOT want. Unless they have something better on offer for maturity than their…

Good afternoon, my first contribution to the forum. Just went on 212, via MSE link, to open a 4.61% cash isa. Completed the initial details to open a/c but then the linked bank account details hit the alarm button. 212 sent me to a third party site, this site then requested my username and password! The big warning is…

Hi Can anyone tell me the quickest providers for transferring a cash ISA? Many thanks

I've had a Chip ISA for some months now (run through an app on my phone), and while I am satisfied with the interest rates and account features, I noticed something a bit odd. Periodically, the app asks me to renew permissions for Ship to look into my bank account. Or at least, that's what it appears to say. It seems that…

Hi, getting myself confused with the future changes to the s&s Isa’s. For example, I pay in £100 a month and have a balance of £10,000 in the account. what amount would I be taxed with the new 22% charge? Basic rate tax payer. Simple answers please, go easy on me. thanks

Hi All Is there any provider that regularly offers decent cash isa rates to existing customers? I’ve currently got £30k inc £20k added this year with Chip at 3.75%. Got totally shafted by them as I had a bonus rate but they hugely reduced their underlying rate part way through the year. I’ve never previously had big…

I have a Moneybox ISA but my bonus period is ending, leaving me with a 3.45% rate. I’ll need to access some of the money at the end of January when my mortgage is renewed. I’ve looked at the MSE top ISA list, but I’ve already held a Chip ISA, I wouldn't be a new customer to access their bonus rate. Ideally I’d like to…

Hi I would like to start investing in a global index fund. One like this HSBC FTSE All-World Index (Class C) I would be investing my £20,000 allowance every year What would be the best/cheapest wat to do this? Through HSBS its self or through another provider. Any advice would ne appreciated as I have never set anything…

Just a cautionary tale regarding the hoops unsuccessfully jumped through attempting to open a cash ISA with Charter Savings Bank. Last week, my wife decided to move her cash ISA from Moneybox to Charter Savings Bank for reasons of interest rate. Filled in the online form stating that she wished to transfer an existing ISA,…

I have a Stocks and Shares ISA which has an Uninvested Cash element and an Investments element. If I transfer £x from my current account into the Cash element ready to make a trade but then decide not to trade, so I then transfer £x back to my bank account, am I considered to have used £x of my annual allowance even though…

I recently opened this account with a 3.23% interest rate, and an additional 1.38% 'bonus', taking the headline rate to 4.61% But when my interest was paid, only the 3.23% was credited to the ISA, and the 1.38% bonus interest was put in another account, called a Sidekick wallet which obviously isn't the ISA; their customer…

I have one "main" S&S ISA opened many years ago. Let's call it ISA A In May this year I opened up a new S&S ISA, let's call it ISA B I put 20k in ISA B in May. Then I withdrew this whole 20k in September. Now can I put 20k in ISA A?