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Quite a complex ISA scenario with foreign SAYE in play.
Hi. I've been trying to get an answer to a question even my accountant friends are not sure of. To keep it brief and to the point.. I have multiple SAYE schemes with an American Company that all matured in November 2024. I then transferred the SHARES (not the money) from the US appointed holding account to a UK AJ Bell…
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Tax status of interest withdrawn from Cash ISA account
I intend to use the interest earned from my cash ISA as income. Is the amount of interest withdrawn from a Cash ISA account classed as taxable interest (i.e falls within my tax free interest allowance) once withdrawn or can I count it out?
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Stupid LISA question
Apologies for the stupid question. if my daughter opens a LISA today, will she get the bonus before the end of the tax year, or should she just wait? thanks in advance
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ISA and year End
Hi I am a little confused about how cash ISA's. From what I understand each year a person can open up an ISA which then in the first year gives one £20k tax free savings, the second year then £40k and so on. So my question is, if I opened up a cash ISA mid last year, then do I just open up another one this year and how…
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ISA Transfer Question
I am in a fortunate situation whereby I am wanting to build up money in an ISA to avoid paying pax. Currently, I have £20,000 (plus interest) in one ISA which is due to mature on 5th Feb. I also have another ISA account from this year which will mature in the new financial year April 2025. This means that in this financial…
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Closing Junior Cash ISA
My two children have Junior Cash ISA's with Halifax, which were originally set up by their foster carer. When we adopted them we changed their names and address (which was a complete mission, I had to go into branch about 5 times and don't live anywhere near one) anyway a couple years down the line and we don't use it and…
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Virgin ISA transfer out
When transferring out from a Virgin ISA, is it best to select 'Clydesdale bank plc' for sort code beginning 82, even if 'Virgin Money' is also an option on the new ISA provider transfer request online form?
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Virgin Exclusive 1 Year Fixed Cash ISA Issue 14 - adding funds
I opened and funded this account 16/08/24, my spreadsheet says it closed to funding on 27/09. A week ago I misrouted £600 into this account rather than a VM Flexi ISA. Just noticed this and surprised that the money has been credited to the ISA rather than being bounced back. Am I mistaken about being able to fund this ISA…
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Additional personal subscription isas
I can’t find a provider who will accept an APS to open a new isa. Any suggestions
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What ID is needed to set up LISA
which kinds of ID are needed to set up a LISA? My daughter will be 18 soon but doesn’t have a driving license, her “child” passport runs out in May can I still use that in March or does it need at least 6 months on it? If I send off for a provisional driving license would that be accepted? Does anyone know how long it…
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Sustainable stocks & shares ISA
Hi I'm a newbie to stocks and shares ISAs and am overwhelmed by the options. Priorities for me are the investments need to be sustainable, no fossil fuels or other nasties, and needing minimal input from me other than depositing my money. I'm fairly risk adverse so would probably not want to go beyond moderate risk levels.…
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Moving my poorly performing Stocks and Shares ISA to a cash ISA
I have had Stocks and Shares ISA for 9 years with very poor return. I want to move some of it into a higher interest cash ISA. Can I do this directly, without going via my bank? I know there is a form that can be completed. Is this the safest way to do it?
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Increase in value
How much would £145k invested in 2009 have to be worth today to mean that I am in profit ?
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Trading 212 cash isa
Hello all I opened the above in November and funded it with this years £20000 limit. I have just see that new customers are to get a bonus rate of 0.2% effectively raising their rate from my rate of 4.9 to 5.1 After a fairly unproductive chat with their Bot, my question is this. I have a virgin cash isa that matures…
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How is tax calculated on a non ISA share dealing account
hope this question makes sense. I’ve got a S&S ISA that I’ve added the maximum to for the last 3 years, and have saved £20k (it’s currently sat in my normal dealing account, invested in ETF’s) ready to transfer into my ISA this new tax year in April. The dealing account is actually about £26k, built up since last April…
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Trading212 Cash Isa does it Compound
Hi All Does the trading212 cash isa interest compound looking to open one.
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Do transfers from other ISAs count as "ISA funds from previous tax years"?
Let's say I deposit money into ISA A in tax year 2023-24. Then I transfer all of that into ISA B in tax year 2024-25. I also make new deposits into ISA B in 2024-25. If I then want to transfer just the 2023-24 cash from ISA B into new ISA C in 2024-25, can I just choose the "transfer ISA funds from previous tax years"…
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Transfer Cash ISA away from Zopa
I'm sure people have had issues with this in the past so wanted to check I am doing things right. I find the Zopa "pots" arrangement all very confusing. I have a Zopa ISA Savings pot - this was a 1 year fix which is about to mature, and I wish to transfer it somewhere else. I also have a non-ISA regular access pot which I…
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Interest rate predictions.
Hi Do you guys think interest rates will be going up or down in the near future. I know it’s difficult, but best guesses please.
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Bizarre ISA Allowance Question
Hi All, I have a fixed term ISA with Barclays. This account offered to either pay me the interest into the ISA at maturity, or pay the interest monthly into another account. I chose the latter, as I can then put it into another account and earn interest on it. (I know this sounds bizarre, but this is exactly how it's…
