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Tembo ISA beware.
Hi.Opened Tembo isa recently.They have a reward scheme where you receive a payment for a referral as does the person you refer. I sent my wife the referral link and she opened a Tembo isa also.After waiting a while for the reward payment I was told my wife had filled in the referral link incorrectly. She had typed in .comm…
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Nat West 2yr 5.9% ISA maturity options
I've got a Nat West 2yr 5.9% ISA due to mature on 4th Sept.They say I'll get a letter with maturity options a couple of weeks before that. Anyone got their letter yet and prepared to share the offering?Trying to decide if I open a new ISA elsewhere now and set up transfer on maturity or hope Nat West offer something decent!
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New Virgin fixed ISA
Just tried to open one. Due to weird thing about their sort codes, I'm prompted to register as a new customer even though I have some accounts with Virgin already. I'm being asked to create new user name and password. Does this mean I'll have to log in to 2 different accounts in Virgin to see my different accounts or will…
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ISA APSallowance
I have an APS allowance following my wife's recent passing, but have already invested my full £20000 for the current year and wish to use the APS to open a new cash ISA with a different provider. (I am at the maximum protected amount with my existing provider) I am looking at Trading 212 but seem unable to get a simple yes…
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One or two year fixed ISA?
Hi there folks, Hope everyone is doing good, I have an ISA that is due to mature soon and can get a one year at 4% or a two year fixed at 3.8%, so just wondering what to go for? What is the general consensus about interest rates at the moment though I do realise no one has a crystal ball? I do tend to stick with the big…
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Earliest date I can open Shawbrook 1Yr ISA to transfer in Santander ISA maturing on 21/09/2025
Maybe I'm just not good at reading between the lines but I've asked Shawbrook this question three times, phrasing it a different way each time, and am still unclear on the answer. The responses I received note that the transfer-in request must be received within 14 days of opening the Cash ISA, and that the Cash ISA to be…
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What to do with 25 year old stocks and shares ISA
Completely confused and out of my depth re action to take with what appears to be a particularly underwhelmingly pointless stocks and shares ISA which I've had for over 20 years with a value of very little more than the monthly contributions made over the period. Initially attempted to make a simple transfer to a normal…
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saving advice needed
hi experts, I have sold my house for 360k, which I bought years ago for £170k and still outstanding mortgage on it is 90k.I need advice on how to save the gains, by not attracting much tax. please advice
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Additional Permitted Subscriptions (APS)
How can I find out which providers offer new ISA's funded solely by my APS?
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Transferring Cash ISA out of NS&I
Has anyone any experience of transferring a cash ISA out of NS@I recently? Am trying to move some previous year money to Shawbrook. Request went in Mon April 17th, receipt confirmed by Shawbrook Tue April 18th. Even if we take the receipt confirmation being a late afternoon and thus Wednesday not counting as day 1, then…
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Clarification needed on 90 day SAYE shares to ISA transfer.
Hi all. I am aware that on maturity of my SAYE scheme I am able to transfer some shares directly to my ISA, however cannot find any definative answer as to how the transfer value is determined. The HMRC guidance page explains that the shares must be transferred within 90 days and will count towards my annual £20K limit,…
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Trading 212
I see they are dropping their rate yet again for Cash ISA's.
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Isa Confusion!
I get so confused with ISAs so please bear with me! Firstly I have an Isa with Tembo, I had two allowances of £20,000 held representing my allowances from 24 to 25 and my current year 25 to 26. Firstly I got confused because the Tembo's Isas are branded as 'easy access' and I thought that meant you could put money in and…
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Can my fiancé pay into my ISA?
My fiancé and I are saving for our wedding. I have opened an ISA to save for this. He has been sending half of his pay into the ISA the last 3-4 months to contribute to the saving. I’ve suddenly realised I’m not sure if this is allowed?! He doesn’t have another cash ISA but does have a help to buy ISA. (And has only out…
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MSE misleading on Trading212 ISA
MSE claims that Trading212 is "offering a loss-leading high-rate cash ISA" to attract customers when in reality all Trading212 does is stick your money in a money market fund, something you could have easily done yourself on any other platform to earn SONIA. This makes me seriously doubt MSE expertise and reporting on…
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News & Discussion about interest changes following the MPC decision
I hope this makes sense rather filling the other threads that would remain focused on the new RSs and EA accounts.
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moving money
i have 20000.00 in a flexible isa this years allowance but the interest has gone down can i move this in to a isa with a beater rate also what happens to interest all ready earned
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Re: Cash isa question
Hi folks, i would like to ask a serious question that is causing me some confusion about cash isa's. is anyone able to answer this:- Last tax year i opened a cash isa with Trading 212 on the recommendation of this site. i put in the full amount. Over the course of the year money was withdrawn to approximately half. Now,…
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Partial ISA transfer from HSBC
I have a standard Cash ISA with HSBC worth £50k. I have contributed £12k to it in the current tax year. Can I do a partial transfer out of £40k to a stocks and shares ISA with another provider? I’m getting confused by reading online!
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Being Indirectly Taxed on "Tax-Free" Personal Savings Allowance – Is This a Mistake?
Hi all, I’m hoping someone can help me make sense of something that doesn’t seem quite right. I’m a UK higher-rate taxpayer and complete a self-assessment return due to receiving dividends alongside PAYE income. This year, I had £432 of interest income from savings — well within the £500 Personal Savings Allowance (PSA)…
