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Withdrawing from flexible ISAs and annual allowance
Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap? I have a flexible Zopa ISA, funded this tax year. I also have a Plum ISA (non-flexible). At the start of the tax year I put £5k in Zopa, and have also funded £15k to the Plum ISA (so total £20k,…
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HMRC tax code reduced due to savings interest - what happens after I’ve spent the savings?
I haven't lived in the UK for about 10 years, but have been paying into a savings account all the time I've been out. By July 2025, when I moved back to the UK, I had about 250k in an easy access account. I started a PAYE job in July of this year, and got given the tax code 669L, I assume to reflect the interest HMRC…
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Cynergy - Cash ISA Transfer in previous year plus current year?
So, it looks like rates are awful right now compared to where they were only few months back. Looking to transfer to Cynergy but their process looks complex.I want to:* Transfer my entire ISA portfolio including previous tax years * Transfer what i've put in this year Also, it says interest is paid annually and as this is…
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Any experience of Teachers Building Society or Harpenden?
I need to transfer my Cash ISA and Teachers Building Society and Harpenden Building Society both have good rates. Can anyone recommend either?
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RBS isa transfer from Principality.
I'm contemplating transferring my Isa from the Principality Easy access 4.2%var currently to RBS fixed 4.2%. Am I correct that principality only use paper forms to transfer into them, so how does it work when transferring out? How do l go about transferring to RBS via the app. I have a current account with them. I don't…
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ISA confusion
Hi all Excuse my ignorance here but can someone please clarify - the 20K limit for cash isa, does that mean that 20K is the upper limit of what you can have in there? i.e I have an isa into which I put 20K in January does that mean that's all I can have in there ever? And any interest I will have to withdraw? Or is that a…
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Natwest ISA
Hi Had a Natwest fixed rate isa which matured on 4th September. Issued instructions to new provider on 28th August to open a new isa and set up transfer from Natwest on Maturity. All parties acknowledged requests. On 5th Sept Natwest informed me that they had moved funds to an easy access isa. Waited for transfer to take…
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Moneybox Cash ISA – A Few Questions
Hi everyone, I’m thinking about transferring my Cash ISA to Moneybox, but I’ve got a few questions before I go ahead: * within the app, can you actually see which bank is holding your money, or is that info hidden? in trading 212 you can see which bank holds your money…
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Chip ISA
Last year i moved my cash to CHIP to get the great rate they are offering. With that rate about to end I am trying to transfer it to another CASH ISA but I can’t find someone who is able to accept a transfer from CHIP or Clear Bank. Has anyone found a High Street Bank that will accept a complete transfer from CHIP!
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Renting LISA bought first home
I have seen multiple posts/articles on this issue and I’m still left uncertain. If I was to purchase a home with a LISA and then decide to upsize to a bigger house in the future, would I be able to rent out my first home? If so, how long before you can make this move without paying a penalty from the LISA? Any help…
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Easy Access Cash ISA with debit card.
Do such things exist ?
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MSE News: Government fails to act on Lifetime ISA fines
The Government has failed to commit to urgently addressing "serious holes" in Lifetime ISAs (LISAs). It follows calls from cross-party MPs for reform, as well as long-standing campaigning from MoneySavingExpert.com (MSE) founder Martin Lewis to scrap the scheme's fine on first-time buyers purchasing homes above the LISA's…
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Flexible ISA Question
I have a Cash ISA with trading 212 but the bonus rate finished some months ago. I can't tale advantage of other offers like Moneybox or Plum as I've had previous ISA's with them. My Trading 212 ISA I have only had since the start of this new tax year. It's compromised of amounts from 2 previous tax years and a current tax…
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Sell dads house
My dads alive and had nearly sold his house . Why do we do with the money? He wants to spend some but is he allowed? I care for him at my house and he lives wirh me full time . But what do we do wirh 140k? Can he just have it in his bank? Thankyou
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Virgin ISA16
HI, newbie here so be gentle please! I have a VIrgin IS16 now matured with 20k in it for a full year at 4.61% which should yield £922 interest. I only got £853.84 credited. Anyone know why ? TIA
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Nationwide - Fixed cash ISA due to mature in few weeks
Just want to double check that I've not missed anything regarding impending ISA maturity. It would appear that you can only administer what you'd like to do with matured funds in branch, via postal form or over the phone. I'm pretty sure it was possible to provide instrustions via a dedicated webpage to move funds into a…
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ISA approaching maturity date
I have a 1yr fixed term ISA with Kent Reliance that is due to mature on 9th December 2025. Can anyone tell me if I have to wait till 9th December onwards to initiate a transfer to another provider, or is there an industry 'timescale' that allows me to start a transfer beforehand? I think it takes around 14 days for the…
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Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
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Shawbrook maturing ISA questions
I've a couple of questions on a maturing Shawbrook ISA. If I selected a maturity option on their website, is it locked in or could I amend it before their imposed deadline? The other query is with regards to Shawbrook accepting additional funds into their multi-year ISAs. I understand it's possible to to fund say a 3 year…
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Tax on interest for joint accounts
My husband and I have a joint savings account. He is higher rate tax payer, I am normal. We also have 2x children with savings accounts in our names. I am confused as to the threshold of interest earned and if we are earning over the taxable amount. i.e does our tax limit on joint account calculate as £1000 for me plus…
