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ISA Transfer
I have already invested £20K into a Fixed rate ISA in this tax year. I also have an old flexible rate ISA which was opened some time ago. Under the rules, am I allowed to transfer the flexible rate ISA into a new Fixed rate ISA? The reason I am asking is that whenever I open an ISA one of the conditions is that you cannot…
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Flexible ISA Replacement Rules Confusion
I thought that withdrawal of current year funds from a flexible ISA had to be replaced from the account it had been withdrawn from. But reading the below in the new Coventry 5 Access ISA t & c I am wondering now if this is the case? Each withdrawal of Current Tax Year Subscriptions from this ISA account automatically…
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Am i just doubling my money?
Hello, I’m not sure how an isa works but my company offers a corporate ISA with a matched contribution. I currently do the maximum contribution for pension at 6% and they give 14%. However i have just noticed the ISA but have no idea how it works, i think they are matching 3%? Does that mean i can put 3% and just double my…
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Flexible ISA - withdrawing and adding back in
I have £63,000 in an Flexible ISA topped up over previous tax years. If I withdrew this for a property purchase, leaving in the minimum £1 to keep the ISA running, can I add the £63,000 back in before the end of the tax year when my current property sale completes? I have read numerous articles which mention the…
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Transfer and closure of ISA
I currently have an barclays instant cash ISA with £14,000. I want a fixed rate ISA with barclays instead. If I open a new fixed rate ISA with the minimum £1 and then transfer all the funds over, and close the instant cash ISA. Will this affect the tax free status on the 14,000, and will it contribute to the yearly £20,000…
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Virgin cash isa missed deadline
My virgin cash fixed isa was maturing on 24th aug but I missed the deadline and now it is maturing. What does it mean? Ideally I’d like to transfer to another cash isa. Not opened yet as I haven’t seen which one is the best at the moment
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Plum cash isa offers lower interest if I Transferring an existing isa to them. Why?
I am trying to move my cash ISA to gain better interest. However, I found that although Plum advertises its interest rate for its Plum cash isa at 4.35%, it then informed me that a lower rate of 3.04% was paid if I was transferring in an existing isa to them. Why?...I'm staying with my existing provider if that's the case.…
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Kent Reliance ISA - Fixed Rate 1 Year Issue 123 - Payments In
Hi All Just opened up the above account with Kent Reliance, am transferring over an old ex Tessa ISA Bond from Nationwide....I have not opened an ISA this year so still have my 20k allowance. Email from KR with funding instructions - it says "If you haven't done so already, please remember to fund your account with your…
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NatWest 2yr Fixed ISA maturing in 5 days info needed
I have a 2year fixed rate ISA maturing on 4th Sept 2025. I've had no contact at all from NatWest and was hoping that someone could let me know the process at maturity. Does it roll over to an EA isa or is it put into a 'like for like' ISA - Are there preferential rates for the maturing ISAs tia sx
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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…
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IG S&S ISA Bonus Rate Ending
Anyone open a stocks & shares ISA with IG a few months back to avail of their 8.5% interest on uninvested cash. With rate due to drop (to I believe 4%) at start of September, I aim to transfer out to a different ISA I hold. Curious what others are thinking and if anyone has any experience with transfers out of IG. Thanks
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Is isa limit £85k or can I add more and still get interest?
I’ve got one isa at the moment at £69k and planning on adding £20k to that with shawbrook. As it is going to be nearly £90k will I still get the interest or is there a limit? am I better to open another one and add £20k there?
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Flexable S&S ISA for HMRC SAYE scheme shares
I'm looking for a recommendation for a Stocks and Shares (S&S) ISA that* is a flexible ISA * allows SAYE shares to be transferred in * has low ongoing and transactional costs A relative has an upcoming Save As You Earn (SAYE) share scheme maturing in a few months. They currently have past SAYE shares in an iWeb Share…
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Transfer from Tembo cash isa to Shawbrook fixed isa
I have initiated a switch Transfer from Tembo cash isa to Shawbrook fixed isa have given Shawbrook the acc- reference number as Tembo don’t use sort codes and account numbers. Also Tembo will have to be switched from from manually as they are not on Shawbrooks list. I have filled out the transfer forms and emailed back to…
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best place to save large amount for grandchildren
I am the beneficiary of my late daughter's work pension death benefit, to be specifically put into savings or trust for my three grandchildren until aged 21; they are 11, 13, 15. ISA's only go to 18, trusts seem costly to run, any suggestions on where to save? it is 40k each.
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Shawbrook or virgin or premium bonds
My virgin fixed cash isa just matured and is now being moved to their easy access 1.2% so I need to make a decision asap where to move. I have £65k in cash isa £40k in premium bonds I will be getting a large sum of money in November. What do I do now? 1. Move isa to virgin fixed at 4.11% and take out £20k from premium…
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Transferring ISA with long notice period
Hi Forum colleagues, I am struggling with an ISA issue and wondered if anyone has any pointers. I have a 40 day notice ISA with Paragon which I want to transfer as the interest rate has dropped but I'm struggling to find a new ISA account that will stay open for 40 days to accept a transfer - I got part way through a…
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ISA advice
I have 2 flexible ISAs. I used my 24/25 allowance and this year used my 25/26 allowance. I am planning on using some of the money for a purchase out of one of them. Will I be able to pay money back into the ISA I take it from...so sort of replacing the money so to speak? Thanks in advance.
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Tax Free Savings Guide
Hi! This is the discussion thread for the Tax Free Savings guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks, MSE Helen
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Chip Cash ISA - different rates
Chip currently offers a Cash ISA at 4.7% but only 3.8% for previous account holders. Is it possible to close Chip completely and re-apply at a later date in order to become a 'new' account holder again? Has anyone done this after a particular time period?
