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My Santander ISA is maturing this December - oh what to do now as I have new cash to invest
Hi. Can anyone help. I started a 1-year fixed term cash ISA with Santander in late Dec 2025. It matures in early Jan 2027. I started it with the full £20k allowed and it has 3.8% interest fixed for the year. Now the new tax year for 2026-2027 has started, I have another £20k that I want to put into an ISA (again, fixed…
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Prosper Advice
From what I can see, you enter PROSPERCASH as the offer code before opening and ISA, deposit £10k or more and then after 6 months, they credit the ISA with £100? Is that right? Is Prosper as trustworthy as T212 and Moneybox? Thanks
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Non-funded ISA closure - does it count?
I opened a new ISA intending to fund it, but changed my mind. Spoke to customer services, who closed the new ISA account for me, with no money in it. Have I now wrecked my chances of opening another new ISA this year? Or does it have to be funded to count as using your ISA allowance?
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Having 2 ISA's with Nat West
I already have a 1 year fixed rate ISA with Nat West. I opened it at the end of last year & it matures in January 2027. Nat West say on their website "You can open and subscribe to one Cash ISA (Cash ISA or Fixed rate) with us per tax year". I realise that the previous ISA was opened during the previous tax year, but it…
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Trading 212 Cash ISA transfer out
Anyone have recent experience transferring out of T212. I’ll happily transfer to a low rate cash isa to move to a bank that is then easy to move from at a future date.
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Plum ISA
Can someone explain this to me please? The 2.54% base rate is paid monthly and your are protected by the UK’s FSCS safety scheme, as Plum holds your savings with Lloyds Bank, Citibank, QNB and BBVA. For more on this see Are my savings safe? The 2.03% bonus is calculated daily but only paid after one year. It’s not FSCS…
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Zopa boosted Access ISA pot - flexible loophole?
Zopa is offering a 0.5% boost for opening a new Access ISA pot before 5 May I already have an ISA with them, and have added the pot but I can't transfer money from existing pots to the new boosted rate - the app goes through the motions but gives an error at the final step. The terms on their website say "You can deposit…
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transferring a Trading 212 cash ISA to another provider in the 2026/2027 tax year
does anyone know of a provider which will accept a transfer in from a Trading 212 cash ISA? I tried 2 of the providers recommended in the MSN website; both have lists of the ISAs that they'll accept, but neither of them include Trading 212 in their lists.
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New Cash ISA
I have been looking for a new cash ISA for 2026/27. My starting point was the MSE top cash ISA list. Unfortunately, the MSE rating is mainly based on interest rates. As soon as I started reading the small print I realised there are many hidden issues and catches:- For example, FSCS limits that may not apply because the…
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T212 New Customer Promotion as a previous customer
Hi all I have previously been a T212 Cash ISA customer but never used any of their promotional rates. I closed my account last year so they no longer recognize me as a customer. Their new 5.6% rate is exceptionally good, however reading the T&C it says if you were a previous customer it makes you ineligible. On signing up…
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Cash ISA strategy: add to existing or open new
I’d really appreciate some advice on how to manage my Cash ISAs and where to put this year’s £20k allowance. Right now I have: £86k with Moneybox at 4.32% (including a bonus rate that still has 10 months left — I opened it 2 months ago) £66k with Trading 212 at 3.60% I’m unsure whether putting another £20k into Moneybox is…
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Kent Reliance ISA internal transfer
My parents each have a Easy Access Kent Reliance ISA and would like to open the new 1 year 4.37% Fixed ISA with Kent Reliance and only make a partial transfer into this and then transfer the remaining balance to a new Santander 1 year 4.15% fixed to benefit from the £50 e-voucher. (only wish to transfer the relevant…
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ISA questions
Just a little advice please. I have chosen to continue working whilst collecting my pension. I work full time and enjoy my work but am paying more tax so last year I opened an isa. Now it’s the new tax year I am considering paying my government pension each month into it, I know there are better saving options out there…
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How to open a new Kent Reliance ISA
Has anyone managed to work out how to apply for a new KR cash ISA as an existing customer under the new login system? (i.e. you have a username rather than the old 10 digit UID) If I login to KR first and select 'open new account' then ISA accounts do not appear in the list of options. If I don't login first then the…
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New cash ISA limit for those turning 65 during the tax year
I will turn 65 in May 2028. Will I then qualify for the over 65 cash ISA limit from my birthday, or will I have to wait until the following April to qualify?
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Shawbrook to HSBC Cash ISA Transfer
Shawbrook Bank is not in the list of providers supported by HSBC for electronic ISA transfers. So, I have to complete a paper form and send to HSBC by post. Anyone has experience of doing this and knows how much time it will roughly take to transfer a Cash ISA from Shawbrook to HSBC?
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When i'm 65
I turn 65 in May 2028. Like many others under 65, i'll only be able to invest £12k into a cash ISA in 27/28 when the rules change. However, in 28/29, if I wait till my birthday in May and i'll be back to the full £20k allowance into cash if I choose to do so. My question relates to the £8k i'm being forced to invest into a…
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Cynergy Bank ISA
Probably my mistake, but I was wondering if anyone else has had similar. I put my last payment into my ISA on 1st April however it stated as being deposited on 7th April. It left my account on 1st April at 8:52, all other payments have been made on the same day and 1st April was a Wednesday and not a public holiday of any…
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Issues confirming ID with Trading 212
Hi all, I am attempting to set up an account with Trading 212 but have hit an issue with confirming my ID. When I scanned the OR code from PC to Phone I am then taken to some ambulance chasing legal firm called Locksley Law regarding car finance. Unfortunately I thought they were part of the process in confirming my ID so…
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Lloyds bank returned my standing order
I Have an ISA with Lloyds bank, in July 2025 I renewed it as a fixed rate ISA understanding that I could not withdraw money from it within a year, it is due to mature in July 2026. I set up a standing order on the first of every month to pay £100 into the ISA. I currently have £19,000 allowance remaining… This morning the…
