-
Regular saver ISA tracking ftse100
Hi, I'm interested in investing in a stocks and shares ISA tracking the ftse100. Initially I would like to do this as a regular monthly amount with periodic additional payments as some of my other investments mature. Any advice from experience or alternate suggestions would be appreciated.
-
Cash ISA query
I’m sorry if this is an obvious question but I’m confused despite reading the posts 😬 I’ve never been lucky enough to have savings, but have recently lost my mum and dad so have some money to put in to a cash ISA for my retirement. I have put 20k in one and know this is the tax free amount each year. Does this mean I can…
-
How to transfer from ISA to ISA & LISA & withdraw cash
Hi My daughter is turning 18 and she has a junior cash ISA, on her birthday it is moving to another ISA with the same provider. The ISA rate on the new account is rubbish so need to move it. We want to move some to a cash LISA and some to a cash ISA and want to take a few hundred out in cash too, is this possible? Is a…
-
Premium Bond ISA Strategy Tax Year 2024/5
Mrs Tet and I have not yet funded our ISA's this tax year. For context this year the tax year ends thus: Apr 1 - Tues 2 - Wed 3 - Thurs 4 - Fri 5 - Sat Assuming that our ISA providers accept debit cards, is it possible to give NS&I instructions to windraw cash and fund ISA's AFTER April's draw? Regards Tet PS AJ Bell have…
-
ISA
My ISA savings over many years have now exceeded £85000. I want to withdraw some to start another ISA with a different bank. At 75 I'm very risk averse so don't want an investment ISA. I also prefer a well known bank even though the rate will be less than some of the newer ones. I understand some banks share the same…
-
OLD ISA TRANFER TO NEW PROVIDER
Under ISA rules am I allowed to transfer old money to a new provider ( who accepts transfers in) having used my full isa allowance for the current year or am I supposed to open a new isa with the new provider of even £1 to be able to transfer the old money to them , which I cant do because I have used years full allowance…
-
FLEXIBLE ISA'S and Moneyfacts
I find it strange given the popularity of flexible ISA;s that this is not an option offered in their Advanced Search. Instead you have to click on the details of each individual one to see whether it is flexible or not. Have I missed something?
-
Interest on an Isa
I have interest on my isa accounts paid monthly into my current account. I only get interest on the first £5000 on my current account and have more than this in the account. I am liable for tax on the isa interest paid in monthly please ? Thankyou.
-
T212 cash ISA interest going to 4.50% from 01-MAR-2025
Not per se surprising but still gutted, T212 follows the trend after the recent BoE rate drop. Cash ISA rate dropping to 4.50% from 01-MAR-2025; only spotted this today in the app/online, no email or other notification received yet. :(
-
Flexible ISA and non-flexible ISA annual allowance rules
Hi. Is someone able to explain how I calculate my remaining ISA annual allowance? I have a flexible cash ISA and a non-flexible S&S ISA with different providers. I've paid £2000 into my non-flexible S&S ISA in the 24/25 tax year and it says I have 18,000 left of my 20,000 allowance. Throughout the 24/25 tax year I've paid…
-
Anticipated fixed-term rates at start of new financial year?
I've exhausted my ISA allowance for 24/25 and now have some money waiting to go into a new 25/26 account once I can open it.What I'm wondering is what we might expected in terms of fixed-term rates come April 6, in just a few short weeks? Current returns are pretty good, but I wonder if that's driven by competition to…
-
ISA tax year is coming up
I have used up £15k of my ISA this year. With the tax year end around the corner, is it worth putting £5k on my credit card to fill the remainder and pay off £1.5k for next 3-4 months? When I say put on credit card I mean putting my salary straight into the ISA for February and March then living off credit card. I love the…
-
Savings Tax Query
Hi all, Last year, I had 3 ISAs with Nationwide. I wanted to transfer them into an ISA with another provider following their staggered expiry in October and November. I went into Nationwide and the person behind the counter said I needed to transfer them to my current account and then to my new ISA provider, which I did.…
-
Zopa Smart ISA Bonus Interest Rate
I opened a Zopa Smart ISA in Feb 2024 which included a 0.50% bonus for 12 months. However my Zopa app is still showing the bonus rate despite me being well past the 1 year anniversary. I seem to recall talk of the 12 month period being extended. This was in March or April last year, and I have snippets of a Zopa chat…
-
ISA Transfer Virgin to HSBC
Hi. I have a Virgin fixed rate ISA that expired yesterday (23/2) which I want transferred to an HSBC fixed rate ISA (which I opened 16/2). When I opened the HSBC ISA I completed details of the Virgin ISA I wanted transferred in and selected the transfer to take place after the Virgin ISA fixed rate had expired. Today, when…
-
Company Rep Pushing a Lifetime Isa
Daughter is being advised to open a Lifetime Stocks and Shares Isa by a companies rep. She is only just embarking on her uni studies and may well work / settle abroad, it’s just too soon to know where life will lead her so investment in a Lifetime Isa will wait for now until she is more certain. However the rep is pretty…
-
£85k FSCS limit - stocks and shares ISAs?
Hi there. My partner and I each have around £60k in cash ISAs. We have used our allowance for this year and we want to transfer all of it, plus our £20k allowances for 2025/26 in April, to stocks and shares ISA. We will get interest payments at the end of March 2025 which will push up our total cash ISAs to over £64k each.…
-
LISAs - anything else I should know?
I'm 32, basic rate tax payer and enrolled into WP (5%-3%). I'm on track to clear debt by Christmas '25. I've started to dip my toes into S&S investing with a Trading212 S&S ISA, which is more to start to understand investing than for any real purpose. Having been thinking for a few months now, and with some great advice on…
-
never had an ISA - help
ok so with the amount of savings i have now i need to look into an ISA, this tax year ive had 3 updates with my tax telling my ive underpaid, each time i just made the payments rather than take it from next years wage. i want to open an ISA and stick 20k in there, and then next tax year i can then stick another 20k in. its…
-
Interest on ISA paid direct to current account
Hello. I have a question about interest earned on a cash ISA. I opened a cash ISA with Coventry BS in September 2024 £20000 was deposited. I elected to have my interest paid monthly directly into my Lloyds current account rather than let it mount up. I have just found out that the interest I have received over the last 5…
