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Can you open up multiple inheritance ISAs with multiple banks
Hi, I'm trying to help my Dad sort out my late Mum's estate. She had multiple cash ISAs with multiple banks, and we want to get all of those transferred over to my Dad. Each bank she has account with with offer a way to open up an inheritance ISA and get the money transferred over. However, after speaking with at least one…
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Trading212 cash ISA transfer problem
I wish to transfer a Principality Building Society cash ISA to my Trading 212 Cash ISA. However Principlality is not on their list of providers. How do I get round this?
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Trading 212 Cash ISA FSCS question
I understand that Trading 212 hold clients money in 3 separate banks: Barclays, JP Morgan and NatWest. As it splits your ISA cash between these, does that mean you potentially have greater than £85k of cover by FSCS ? Theoretically up to £255k via the Trading 212 platform ?
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Nationwide Fixed Rate Cash Isa maturity instuction doesnt work
I received a letter from nationwide re my FR cash isa maturing soon. It gave instructions for maturity: 1. Use the maturity option next to the account when loged in online. There is no menu option in my account!! 2. Go to nationwide.co.uk/frisa1 and open a new account and transfer in maturing account When I tried this,…
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Coventary ISA Transfer
I have a 5 year ISA with Coventry at a poor rate of 1.75%. It has 2 year left to run. Can I transfer it to another Coventary ISA at ~4% or is it easier to transfer it to another provider? I'm assuming I will loose 90 days interest, but can't find the original T&C's to confirm exactly
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Paying into a HTB ISA and cash ISA
My daughter has a Help to Buy ISA which currently stands at £14,000 and is paying 4.7% with Yorkshire BS. She is aware that she only needs to hold £12,000 to get the benefits when she buys a house. We were wondering if now the rules have changed regarding paying into ISA`s if she would be able to put £17,000 into a cash…
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Best ISA's for opening as POA?
Any recent positive experiences out there of opening Cash ISA's as Power of Attorney to invest on behalf of Donor? I went through the proces about a year ago and it was quite painful. Some of the companies offering the best rates, usually online or app based, did not entertain POA accounts and others had long-winded…
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Trading 212 - call response read Trustpilot
On recommendation from here I set about opening a new account - for a transfer in Cash ISA - few steps but done 👍👍 Tried to transfer in from Cooperative bank - no go - it isn't listed. Wrote on their contact us form - 24 hours later - no response. Gave a one star on Trust Pilot explaining the issue. Within 10 minutes - I…
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ISA transfer and opening
I have a fixed rate cash isa with kent reliance and I have paid into it this tax year £19k. It is due to mature in December. I’m aware that the new rules with Isas suggest you can open multiple cash isas in a tax year, provided you stay within the limit of funding. Kent reliance is a company who don’t allow you to pay into…
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Chip flexible isa
Hi everyone. I have a Chip flexible isa which I opened last year. I had £17000 in it from the last tax year. I have recently opened a Trading 212 flexible isa this year. I plan to withdraw the most of the funds from the Chip isa and deposit them in the 212 isa, manually not through isa transfer. Obviously because 212 has…
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Query re: when a fixed term ISA (opened and matured in different tax years) counts
Hi all, I opened a 1 year fixed cash ISA in Sept 23 (23/24 tax year) depositing the full £20k allowance at account opening. It matured in Sept 24 (24/25 tax year) with £1,500 interest and the ISA account had to be closed. I gave instructions to transfer the full amount (£21,150) to a new cash ISA with the same bank. Sorry…
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Trading 212 - Safe for over £85000 cash ISA?
Hello Because Trading 212 hold portions of your money across three different banks, I'm just wondering if it would be safe to put substantially more than the £85000 per financial institution limit in their cash ISA. Thanks in advance for any advice.
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Partial ISA transfers when ISA is combination of current and previous years?
Can anyone advise...my partner has a Bank of Scotland ISA that matured yesterday to a 1.35 ISA Saver. I encouraged him to open several new ISAs to transfer this to, so earlier this week helped him open a Zopa 4.8% (4.5% from 22/11) and Paragon Double Access 4.87%. Background - both of us were financially fairly clueless…
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Cash ISA maturing-above FSCS limit
I have a cash ISA with Secure Trust Bank maturing in November 2024 and the balance plus interest will exceed the FSCS limit of £85000. I had the same issue with them last year but decided to re-invest as the rate was better than I could find elsewhere. I have e-mailed to check but they seem to want you to invest the full…
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S&S ISA - overthinking, help!
So, I want to open a stocks & shares ISA but I'm someone who very much overthinks things, so combining that with my lack of experience here means I keep backing out of investing at the last minute. Here are my issues: 1. I want to invest at a sufficient risk level to make it worthwhile, but I am nervous about risk. I'm the…
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Cash ISA ~partial~ transfer to Stocks and Shares ISA?
Lets say I've used up this tax year's ISA allowance, £20,000 into a Cash ISA. Is it possible to do a PARTIAL transfer, lets say £5,000, to a Stocks and Shares ISA? Is that allowed by the rules? Are there any known providers that are easy to do it with? Thanking you!
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ISA advice - Money market funds.
Hi Forum, Having successfully transferred my Royal London ISA to Vanguard's FTSE Global All Cap (Accumulation) fund, I have about circa 200K in that fund now. However in 3 to 4 years time I will need to withdraw about £10,000 for a family matter. My question is, whether I should withdraw this amount from the All Cap at…
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Future Investment/Pension
Hi all, I am a 35 year old male, married, but in the process of divorcing my wife. I want to start looking at my future retirement pot. I am self-employed and on modest pre-tax income between £20-24k. We have an our home (no mortgage). I am also on a very small £4k salary with a pension. I will be looking to buy my wife…
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5% Isa
I've been offered a fixed rate 5 year isa with returns of 5% p.a. by a company called Hamilton Rose Any advice or has anyone had any dealings with this company I think it sounds too good to be true, although they are Fca registered
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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…