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Saving options
Hi there, What are people doing with their savings at the moment after you have used up your ISA allowance for the year and still have money left sat in savings accounts. With the budget looming i am worried i will be taxed more on my savings and i am trying to keep my tax bill down. The only option i can think is to buy…
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AJ Bell Dodl S&S ISA
I have a soon to mature cash ISA with Kent Reliance (£22,700), that I’m considering transferring over to a Dodl S&S ISA. I’m a complete novice to investing and I know the products Dodl offer are somewhat limited compared to other platforms, but to a newbie this is maybe not a bad thing?I’m steering clear of company shares,…
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Virgin Money ISA statement question
I have a question on my Virgin Money easy access flexible ISA statement. I have been using this account to fund to some current accounts to satisfy my monthly pay in requiements, along with other payments. Any remaining balance is then moved back into the VM ISA. However, this month I have noticed that the VM statement…
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MSE News: Government fails to act on Lifetime ISA fines
The Government has failed to commit to urgently addressing "serious holes" in Lifetime ISAs (LISAs). It follows calls from cross-party MPs for reform, as well as long-standing campaigning from MoneySavingExpert.com (MSE) founder Martin Lewis to scrap the scheme's fine on first-time buyers purchasing homes above the LISA's…
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Trading 212 can't transfer to Chip
I've got a flexible Trading 212 ISA that has a £1 balance although it had a £13K balance earlier during this tax year, including £8K in deposits since March. The bonus rate has finished so I'm getting 3.85% so I've opened at 4.42% Chip ISA 9also flexible). I've tried to transfer the Trading 212 ISA but it's not listed by…
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Flexible ISAs guide
Hi! This is the discussion thread for the Flexible ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Monument cash ISA replaceable allowance
Hi. I opened a new cash ISA with Monument earlier in the year by transferring in from another cash ISA. I then subsequently transferred out £50k from this account into another new cash ISA. On the app it said that I had a replaceable allowance of £50k. Today I deposited £5k into this account thinking it would be counted as…
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Have I lost my Isa allowance
Hello , on 20/10/ 25 my identity was verified with Trading 212 but I didn’t deposit any money until today 10/11/25 ….i was unaware that if I did not deposit funds into my account within ten days of opening the account I would lose the bonus amount of 0.68% and would therefore only get a basic 3.85% …being rather hot headed…
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Child trust fund and JISA
It appears that my child has both a child trust fund and a junior isa. The lady at the bank said she shouldn't have both, but offered no further advice. Accounts are with different banks. Does anyone know if I need to do anything or will this be OK?
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Santander Stocks & Shares ISA opening £75 offer via Topcashback
Hello, I applied for a new Santander S&S ISA via TCB on 20th October 25, I got a ‘sorry for the delay we are performing checks to set up your investment hub message’. Also got an email the same day from Santander thanking me for joining the investment hub. On 22nd October my investment hub appeared in my Santander app and…
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NatWest one year fixed rate cash ISA Issue 384
I have just noticed the following on my NatWest ISA Issue 384 maturing 12 Nov 2026. " You must not have subscribed to another cash ISA (including a Help to Buy: ISA with another provider) or invested the maximum amount in any combination of permitted ISAs in the same tax year." I find this a bit confusing as it appears to…
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what is the maths for ditching fixed and paying penalty?
have a fixed rate cash isa at 2.05% . trying to work out if to go to higher interest isa and pay the 90 day penalty. So - Is it correct that to work this out i take 90 days as a quarter of a year- so take a quarter off that interest rate which would mean if i could get a rate better than 1.5% then i should pay the penalty…
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ISA & Winter Fuel
I am perilously near the 35,000 limit for clawing back the Winter Fuel allowance through my tax code, and it is touch and go whether I breach the £35,000 figure. My wife is not particularly near it. We both have a decent holding in Cash Isa's. I was considering withdrawing some of my ISA and transferring it to hers, where…
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S&S ISA newbie
I’ve read most of the links I can find on here about s&s isa and I’m ready to set one up. I’ve got £10k spare and thinking about trading 212. Do I add the whole money or split it for £2k a month? I’ve used £10k isa allowance this year and my premium bonds are full. I am not planning of needing this £10k for at least 10…
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ISA Flexibility Rules - current and previous tax years
After reading https://www.moneysavingexpert.com/savings/flexible-isas/ I've interpreted it as for flexible ISAs: - If you take out money added in the current tax year you can repay it back (within the current tax year) to any ISA - If you take out money added in a previous tax year you can repay it back (within the current…
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Easy Access ISA NS&I
Good day, I opened a cash ISA with 212 in 2024. Over that period I have had the full amount in, but withdrawn and replaced amounts as I can, at the moment it is full. I have a NS & I account, but want to transfer the money from there in to a ISA so I earn interest on the money, then transfer the ISA’s back each month…
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CMC Invest cash ISA - what banks can this be transferred to?
EDIT: found in another thread that many had transferred their CMC to Shawbrook, which Chip also accepts transfers from, so will be doing that. Tried to transfer my cash ISA from CMC Invest to Chip but Chip don't accept transfers in from CMC. So I'm looking for banks that accept transfers in from CMC and that Chip can also…
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Trading 212 cash ISA - newie bonus not added
Hello Has anyone experienced this and know how to get the newie bonus applied? I found some forum comments of similar issue from back in April and tried the promo code suggested there which was 'MSE' however it's not working now and just displays an error code of 19928074. Thanks in advance everyone!
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Where to save a lump sum?
Hi everyone I’ve recently sold my house and moved to a rental to be in a better position to buy. I have a lump sum and want to know how to make the most of this without any risk. Is a fixed savings account the best way? I can’t fix really for any longer than 6 months with not knowing when we’ll find a house to buy. thanks
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Transferred ISA - free shares
If you transfer a Cash ISA for a previous year from one provider to a Stocks ISA with a different provider I understand that this will remain in the previous year's Tax Wrapper providing that the transfer is made via the new provider (transfer form etc) i.e. you do not withdraw the cash and transfer the funds yourself.…
