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Cash ISA transfer confusion
Morning, I opened a Cash ISA account with Chip on 18th September 2024. My boosted rate is about to expire so I'm looking at transferring. Currently the app reads ISA allowance: £0 / £20,000. Will this reset on 18th September 2025? I was considering transferring to Cynergy Bank as they offer the highest rate but they don't…
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Problem with ISA transfer
Completed a cash ISA transfer form, was accepted and new account opened. Have been waiting since 16th July for the funds to move across (from HSBC to Kent Reliance). Phoned KR and they said waiting on HSBC. Phoned HSBC and they deny all knowledge of having received any communications from KR, despite me giving them the…
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All world, stock market tracker growrh rates
All, I'm curious to know what growth rates folks have plugged into their massive pension spreadsheets for general, all world, stock market trackers? Obviously no-one can predict the future but I have in 4% above inflation. All of mine are currently flying at the moment so 4% is on the pessimistic side, but interested to…
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Transferring out of Chip Cash ISa
I am transferring out my Chip Flexible Cash ISA to another provider due to my forthcoming reduction in interest rate. What should I put in the ISA transfer form for the question - Existing ISA Reference?
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Cash ISA Renewal
My cash ISA is up for renewal after 18 months. I am advised by the bank the ISA will be renewed at a rate of 1.1% which I consider to be extremely low in the current financial climate. Not sure if there are many finance houses who are accepting transfers in at reasonable rates I already have maxed current year ISA…
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Restrictions on transfers
Reading other posts there seems to be some organisations that either won't allow transfers in or some that won't allow transfers out. Transfers in to Trading 212 or Cynergy come to mind. Is there a lost anywhere ? I am looking to transfer part of a Virgin S&S
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ISA transfer out from Plum and Trading 212
I want to transfer out my cash ISAs with Plum and Trading 212 but am having difficulty finding a provider who is able to accept a transfer in from these companies. Anyone been in a similar situation and found a suitable provider?
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Can interest from a LISA be used for your 1st time buyers first property?
My daughter has just been told by a solicitor that the 4 x £1000 that has been added to her 4 year LISA cannot be used for her 1st time buyer deposit and only the 4x£4000 she has added can be used. I cannot see this anywhere on your pages, could someone clarify for me please?
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Paying interest into a different account
Sorry if this should be obvious! Having recently retired (yay!), I want to use the interest that my savings will generate to supplement my monthly income, rather than leaving them to accrue in the savings account. I'm looking at fixed rate ISAs which don't allow withdrawals (I will keep some rainy day money elsewhere).…
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Bank not accepting ISA transfer
Hi there Can anyone help with this please...? I'm trying to transfer an ISA from Tembo to Synergy, but Tembo says they don't accept transfers in from Tembo - they didn't say why. Can they do this? I assume they can choose who they want to accept money from, but I've never transferred from Tembo before, so wasn't sure if…
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Newcastle Building Society error
On 9th September I received an email from Newcastle BS saying my Double Access ISA ISS was due to mature on September 23rd with the 3.55% dropping to 1.22%. Also the heading of the email text said my fixed rate ISA was maturing? I rang NBS and an advisor said I just had to transfer to a new Double,Access account and could…
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Virgin Defined Access Cash ISA
Hi just wondering if you can replace any withdrawn funds from a Virgin defined Access cash Isa in the same financial year? Cant seem to clarify in the terms and conditions.
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CMC Markets Cash ISA
Has anyone had any experience with the CMC Markets Cash ISA?
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Nationwide fixed ISA maturity
This ISA matures at the end of September ie after the next BoE meeting. If I select a new fixed ISA with them it is 3.8% (whatever the term) and as with most maturity scenarios that rate, if chosen now, would be honoured even if the rates reduce between now and then. So a known 3.8% Obviously it is currently possible to…
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ISAs
I have a stocks and shares ISA that I never pay into. Can I also open a cash ISA? And if so how much can I pay into it per tax year?
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Choosing a platform
Thanks for all the replies about what to do with my active managed funds/ S&S ISA. In the past week I thought I had achieved 'financial freedom' and then realised not yet (maybe another discussion). So I need to follow through with my plan on my 29 active managed funds with Aegon chosen by my ex IFA. With the transfer out…
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Confused!
Hello all. Advice needed please. My husband and I both have an ISA with Nationwide. Mine is due to end tomorrow and his will end in October. Mine has about £18000 in it and his has £21660. They are offering 3.8% which we are happy with. They are both fixed rate. We would like to add some to the amount notwithstanding the…
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Help with Santander closure of a fixed rate ISA account
:) Hi there, newcomer to this forum B) .. I have a fixed rate 1 year ISA that will shortly expire (Oct 2025 and have been notified by Santander to make a choice of which ISA account products I would now like to re-invest with, or they will just shove it in one of their low interest paying accs instead :'( . I was thinking…
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Free Trade stocks and shares basic account
It looks like the free trade basic account doesn't attract any fees, similar to Trading 212 and Invest Engine. I wondered why in the information on the MSE site it says it's £5.99 a month, that is one of the paid for plans, but there is a basic plan that seems to be free, unless I missing something?
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ISA help please - recently returned to UK
Hi, I am now a resident of the UK again after many years overseas. I would like to start saving in ISAs but my husband is still working and living in the UAE. Does anyone know if this is permitted / if it impacts him under the sufficient ties rule? I can't find anything about this at all. Thanks.
