-
Kent Reliance Changes - should I open new ISA
I have had a KR Fixed rate ISA for few years and have always regularly deposited into it every month or so. I believe I will no longer be able to do this so will just have to leave it as it is until it matures next year. Are there other ISAs that allow regular deposits? Or should I look at a normal savings account instead?…
-
How to escape the Plum trap?
Hi. So I have 40k in a Plum ISA (the current interest rate there is only 2.7% - which is pretty poor). The problem is that there doesn't appear to be an easy way to transfer the ISA from Plum (I think it's officially listed as Plum Fintech) to another provider as when I have tried with a couple of other providers…
-
Basic question re proposed 22% tax on Stocks and Shares ISA's
I have some investments, which are managed, in Stocks and Shares ISA's. I am over 65. I believe the new propsed tax at 22% on the cash element, is for everyone, under and over 65. Is this right? I am finding mixed messages re this! Also, how do I find out what is the 'cash' element of my ISA's, that the proposed tax will…
-
Cash or Stocks and Shares more tax efficient for a tax payer
I have both Cash and Stocks and Shares ISAs and pay tax in interest and dividends. Would it be more tax efficient to move existing money in non ISA cash or non ISA stocks and shares into an ISA to reduce my tax liability. Not sure if there is an answer to this but worth asking all the more knowledgeable members on this…
-
IG's £200 Cashback when you invest £200
Hi. Does anyone know if I would still get the £200 back if I deposited the money into IG but did not buy S&S or ETFs? I've already deposited the money and am now feeling extremely overwhelmed having to choose what to buy. I've only ever invested through a platform so wasn't expecting the billboard of flashing lights. If I…
-
Exempt OAPs from tax on interest for cash held within stocks and shares ISAs
Good afternoon all, I thought that this petition was worth signing especially if like me you save into a stocks and shares ISA and are in retirement. Apparently I can't post links until I have been around for a while, so perhaps someone here would be kind enough to search the Gov petitions and post up the link? thanks in…
-
Principality Flexible ISA
I have a Online Bonus 5 Access Cash ISA Issue 7 and have been told that funds depoisted this tax year must be replaced into the Principality ISA and if placed in another ISA will be taken as new isa funds. £20K placed into Principality this tax year and wish to move some of those funds to another ISA. This seems to…
-
Um... just a little worried.
I have a cash ISA with a fixed interest rate that matured today. I previously told the bank that they should transfer the money into another ISA on maturity. Looking at the back today, the Fixed rate ISA now has a balance of £0.00 and there is no more money in the other ISA. There was over £21K in it. Is it normal for a…
-
ISA Charges
Do you have to pay charges to manage a cash ISA? I thought they were just fixed rate savings accounts.
-
Bed and ISA - sense check please
I'm hoping the below is correct, but looking for some confirmation as this is new to me! I've ~£20000 in JMAT shares and in about a month I'll receive a special dividend of ~£5000. These shares were moved from a SIP to HL a few years ago. The shares are worth slightly less than when I moved them so there should be no CGT…
-
Cash or Stocks and Shares LISA for additional retirement savings?
I used a Help to Buy ISA to purchase my first house and am looking at opening a LISA, before they are scrapped next year. I am intending to use this LISA to save for retirement and open it with a small investment now to secure the account. I am 31 and so initially planned to open a Stocks and Shares LISA, as this account…
-
New LISA for Retirement question
Hi, Reading up on the new LISA Rules also for Retirement purposes (not first time buyer purposes) has me questioning something that isn't explained. Me and my partner both had set up a Lifetime Isa 5 years ago when they offered the first time buyer LISA with the £1000 on top bonus. We did that for 4 years and used it both…
-
2026/2027 transferring a cash ISA from Trading 212 to another provider
Hi all. I'm looking for a cash ISA provider that will accept transfers of an existing ISA from Trading 212. I tried Virgin Money, but their list of providers that they'll accept transfers from doesn't include T212. Someone recommended Principality Building Society; I've spoken to them, and they confirm that they can't do…
-
Stocks and Shares ISA 2027 Changes for 64 year old
Dear All Hello. I turn 65 in May 2027, so miss the threshold by one month😥. I have a Stocks and Shares ISA , already. Can someone please help with questoins below. 1- Will new changes apply to account created before April 2027. 2- As I will be over 65 in April 2028, do I revert back to the old rules Stocks and Shares ISA,…
-
LISA and FTB ISA
If you currently hold a LISA, but will most likely not have purchased a home before the First Time Buyers ISA is implemented, will you be able to use both to purchase a property? If you can have both would this mean you can invest a larger amount of money each tax year, rather than the current £4,000 limit?
-
Flexible ISA Question
Hi, I'm confused about what's legally allowed when operating a Flexible ISA in conjunction with other non-flexible ISAs. In theory could I contribute £15k of my annual allowance across cash/S&S ISAs and then with a flexible one could I contribute £10k and ensure that £5k is withdrawn to ensure a net balance of £5k, thereby…
-
Santander Fixed Rate ISA - interest payment issues
I’ve a couple of Santander fixed rate ISA’s with weird interest payments (and Santander live chat isn’t helping) Account 1 - £20k deposited 30/09/25 with interest of £2.14 paid on 02/10/25 Account 2 - £20k deposited 09/04/2026 with interest of £50.03 paid on 02/05/26 Anyone any plausible reasons why or do I have to wait to…
-
Charter Savings Bank ISAs
Finally getting myself into action. I have a matured cash ISA from last year to find a new home for, and this year's cash to invest too. I'm attracted by CSB's rates (4.63% 1 year, 4.72% 2 year). Am considering putting the transferred ISA into one, and the new ISA into the other - to hedge my bets against what rates might…
-
Combining ISA's Advice
Hi, I have two ISA's maxed out, both at 4.28%. Different companies from the 2025/2026 and 2026/2027 current tax year. Both cash ISA's but only one is flexible. I have a few questions I wanted to ask please. Is there any benefit to having them separate? If I combine them into one and then in the future if I wanted to split…
-
Hargreaves Lansdown HL Junior Stocks & Shares ISA
Hi, I've put funds in to the above and now want to invest in ETFs for my children (1 year old and 3 years old) . My criteria is: Low fee Accumulation funds so that any returns are re-invested focus on how the fund has performed over 5 years Good georgraphic spread (not all US as many fudns are) Idealy a UK fund manager…
