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ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

Transfer out of Plum ISA
Hi, just hoping for some advice. I have the easy Access Plum ISA which the rate has dropped to 4.92%. I think the rate could fall further going forward so decided to open the 1yr Virgin M ISA at 5.05%. During an Online transfer through Virgin, i could not see Plum listed. Ii tried to do the transfer form but when i log…
Moneybox CASH ISA Daily Interest wrong?
Anyone else seeing their Daily Interest (Today's interest under Wealth Tab) incorrect? Mine was always correct. It dropped to 4.78% on May 29th as communicated and my daily rate was still correct and matching my own calculation (using BALANCE*(0.0478/365) ). Last couple of days its showing 18p per day lower again with no…
Tescobank new Instant Flexible Cash ISA 4.07%
If anyone remained with Tescobank after they reduced their Instant Flexible Cash ISA rate to 3.96%, you may be interested in their latest product paying 4.07%, including a 2.92% fixed bonus rate. Easy to open online, then phone them to transfer funds from the old product. Not a top paying ISA, but if you want to stick with…
Duplicate Junior ISA
A family member asked me to set up a new account for them to pay into for my son and stupidly I didn't realise he already had a Junior ISA set up. It's only come to light now as they've paid in £10k which is also over the £9k limit. Grateful for any advice on next steps, I'm assuming it's transferring one into the other…
Moneybox: Open access cash ISA interest to be paid monthly
Hi all :) Got an email today saying interest that my Open Access Cash ISA interest will soon be paid monthly rather than annually. Personally, I am in favour :) Below what the email said. Thanks :) Hi, we’re pleased to say that coming soon, the interest on your Open Access Cash ISA will change from annual to monthly…
Moneybox ISA
My current Cash Isa has just ended and I was looking to transfer my funds elsewhere I have heard moneybox are offering a decent rate and are easy to deal with, can anyone comment on customer service with them please. Ideally I am looking for a well known name with a decent intereste rate. TIA
Moneybox no return policy
Hello all, Looking for advice as to whether I should transfer out, despite the non-return clause. I have a LISA (now 3.8%) and a cash ISA (now 4%) with Moneybox. Thier introduction boosted rates have weeded off and the accounts have had a slight drop in rates due the Bank of England dropping rates. I have just found out…
Virgin ISA, where can I find it?
Hi there, I would so appreciate if someone could tell me where I can actually see, either on the website or app, the cash ISA I opened with Virgin Money. I find their website very confusing. I know a message came up somewhere about ISAs not always being automatically shown beside other accounts, so I followed the…
Isa Tranfers - Lower Interest Rate when transfering in from other years
Hi, I have been adding over the last years the 20K to my ISAallowance, today my situation is this: * 2023 - 2IK - CHIP - 4.06% * 2024 - 20K - Trading 212 - 4.10% * 2025 - 3K - Plum - 4.79 % The challnege is when I try to tarnfer in from other years or providers PLUM offers less like 3.5 aprox. Can anybody recommend what…
Using late wife's accumulated income in S&S ISAs as surplus for IHT purposes
My wife passed away in July late year and probate was granted about 6 weeks ago. Her entire ISA holdings have been transferred to me under APS allowance including her stocks and shares ISA. Because we couldn't reinvest her funds she has accumulated about £20k in interest, sitting now as cash in my account. Will there be…
Transfer S&S ISA from Vanguard to Trading 212
I’m trying to transfer my S&S ISA to Trading 212, but T212 will only let me proceed with a cash transfer, meaning my funds will be out of the market for up to 30 days. I’ve never transferred a S&S ISA before, is this a regular practice? Also, I’m currently on the 80% Lifestrategy, would anyone know what T212 equivalent is…
Saffron BS Cash ISA fixed 2 years
I recently opened a Cash ISA @ Saffron BS, It was the one listed in the best 2 year fixed and was sure you could transfer in other ISA's. Can anyone confirm if they also saw the Online and Transfer in option?
Transferring from flexible and non-flexible cash ISA
Can someone clarify if the following is possible to do this in this scenario: I currently am with an ISA provider that offers a flexible cash isa type and where I am fully subscribed to the current cash ISA limit of £20,000. If I were to withdraw some funds today from this flexible ISA provider (eg. £1,000 or £2,000) but…
Eligibility Criteria for Lifetime ISAs
Dear all, I have a question for the hopefully better-informed members of this community. My friend and I are both looking into getting Lifetime ISAs. However, the MSE article on these gave us pause. The article states that you aren't eligible for this ISA if you ever owned a house or a share of a house. My friend lost a…
17 year old in ISA limbo
Hello MSE, my son opened a cash ISA in 23/24 tax year. He was aged 16 years old at time of opening. He can add more money to the same ISA in 24/25 tax year. However as his birthday was close to the end of tax year the ISA he opened was done in a rush and the savings rate is awful (sub 2%)! He wants to move last years cash…
Current Tax year
Hi, I’ve a fixed rate cash ISA which matures later in this tax year. When this happens I’ll obviously need to open a new product either with the same provider or another to maintain ISA status. However before that, much sooner, I wish to open a new fixed rate cash ISA, using my full allowance. Can I do both within this tax…
£1000 tax free allowance on savings interest
We have joint account and are therefore entitled to 2 x £1000 allowance each year on interest from savings. What is deemed the "joint account" ? The account you funded the investment from,or would investment have to have been funded/opened as a joint venture ?
Transferring a cash ISA from one provider to a another offering a fixed ISA with better rate
Hello, I have an instant access cash ISA with a poor rate and am looking to transfer it to a new provider who is offering a good 1 year fixed rate ISA. I've read that it's better to have the new provider handle the transfer. I tried to follow their online form, but got stumped when it asked where I wanted to pay the…
Trading212 cash ISA - newbie bonus?
Hello folks After reading the recent MSE article here about ISAs, I immediately opened a new Cash ISA with Trading 212 as it seems to have the best rates currently - 5.04%, including 0.54% new customer bonus. I've opened the account and deposited some money, but the interest rate shown is just the standard 4.50% - lacking…
Help To Buy ISA queries?
I have a Help To Buy ISA with 25K in it. I've just been paying in the £200 per month for years and not really given it much thought. Now the interest rate has dropped to 1.05% for anything over 12K. 1. Is there any point putting more than 12K in a Help To Buy ISA? As the maximum bonus is 25% capped at 3K. 2. Would it be…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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ISAs & tax-free savings

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