-
S&S Isas and the £85k FSCS Limit
I currently have a S & S Isa and the value of them exceeds £85k there is no cash in the account I just have Shares. Should I be managing this to ensure it doesn't exceed £85k and have numerous accounts? It's currently with AJ Bell. Many Thanks
-
MONEYBOX Question
Hi. I put my 2023/4 allowance in to a MONEYBOX easy access ISA in October. I now wish to close this account but although the balance now shows as £20,500 it says I can only withdraw the initial £20,000. Does that mean I can't get the intertest until October and will have to leave the account open?
-
Santander ISA -> Nutmeg - 120 Days' Interest Charge
Hi, I have a Santander Cash ISA for which interest has now been paid at around 5% for the past year. The rate is now 1.2% so I'd like to transfer them to another provider. It's difficult to find the information on Santander's website but it looks like they want to take 120 days' interest as a charge for doing so. Does this…
-
Move ISA start of tax year
Hello I opened the Moneybox ISA on 02/04/24 and deposited my funds from an easy access saver i had. I hadn't noticed that Moneybox was Annual interest. So i decided to open the Plum ISA which is monthly. What is the best was of transferring the money across, I've seen posted about not simply withdrawing the cash and…
-
Failed Santander ISA transfer
I had an email from my new provider to say the cash ISA transfer had failed due to "lack of funds." I phoned Santander but they parroted the same line. How can a complete transfer fail due to lack of funds? This matter is now with their back office team. I'm disappointed Santander didn't use some initiative and contact me…
-
2 x ISA's
My daughter was asking about ISAs recently and I thought I advised her correctly. She opened one with Virgin and made a deposit for 2023/24 tax year but it was fixed and the Virgin terms only allowed her to add more funds within 30 days which she didnt. Due to this she did open another with the Post Office and made a…
-
17 year old and his isa
Our 17 year old has a (adult) cash isa. The rule change this tax year means he won't be able to open a new one, but can he still fund the one that's open? We've been looking for ages bit can't find a definitive answer. A link would be good if possible Thanks in advance
-
Stocks & Share ISA your shares are subject of Take Over and thus Forcibly Sold
With Stock & Share ISA I take it that dividends are paid
into that ISA, However If the shares you hold in your ISA say £20k worth are
subject to a forced sell (such as a company or more likely Utility has been
taken over). Would the money received for the shares be paid into the ISA
and would be treated as tax free? As it…
-
Is it possible to transfer a non Flexible ISA to a Flexible ISA?
Hi, is it possible to transfer a non flexible ISA into a flexible ISA? I want to put money into a fixed rate ISA for the next 12 months but then transfer it to a flexible ISA (possibly stocks and shares) once the fixed rate comes to an end. Thanks.
-
Upgrading Santander Fixed Rate Cash ISA
Received a letter that I could upgrade my cash ISA 28 days before maturity on the 1st Apr. If I do this will the interest of the previous year still be paid on maturity since I will have upgraded to a new product by then. Ironically, the new Fixed Rate Cash ISA has the same interest 4.15% as the previous years Fixed Rate…
-
Investment and Cost - Time to switch?
I currently have a LISA with AJBell that has £23k invested in VLS 80 and am currently paying around £4.70 per month in charges. I am going to add another £4k + £1k (off the govenment) next week, taking it to around £28k, which would take my monthly fees to around £5.80. I am considering switching to an ETF, such as the…
-
CASH ISAs
Hi I have invested the max £20,000 cash isa allowance for 2023/24. I have other ISAs from previous years that are maturing end of this month. I am right in thinking that I cannot reinvest this as a cash isa until the new year commences from 6th April so therefore I lose the ISA entitlement for this money? Thanks
-
Potential 'lost' funds
We have recently found two old Halifax passbooks, which showed balances, relating to ISA's, not written up since 2013. The Halifax advise that they were both closed in 2013 by transfer to what we glean to be, by sort code and bank account number, the Cheshire Building Society. Any advice on where I go from here to try to…
-
Is the Post Office my best ISA option?
This discussion was created from comments split from: Cash ISAs: The Best Currently Available List.
-
Has anyone tried to transfer out from moneybox?
This discussion was created from comments split from: Cash ISAs: The Best Currently Available List.
-
Partial ISA transfers and flexibility
Hope someone can help with this. I have a flexible Cash ISA with YBS containing only old money, no current year deposits. A few months ago I opened a new Cash ISA with another provider (starting with zero balance) and requested a partial transfer out from YBS of £500 which apparently completed successfully. As I understand…
-
Query on previous S&S isa contribution
Evening all, Been sat around with family today discussing savings which I thought I'd got my head around but they've got me doubting myself and Googling and reading a few things on here have me questioning myself :blush: If I have £20k in S&S for this year contributions I'm guessing (hopefully rightly), that after 6th…
-
Savings.
Hi My only income is £6000 a year from a company pension. Can someone tell me if interest earned from a savings account is included as part of my personal allowance please.Thanks in advance.
-
ISA TRANSFER TIMELINE
Hi Im transferring Santander ISA out as therir current offer is poor to Charter but why in this age of instant electronic money movements does it take 15 days? Tlyhe Santander Bot says its the government who stipulate this - is this true or just a get off my back you'll have to wait. I held on for an hour by phone to try…
-
Transfer SS ISA then add Funding
Hi all, I have a simple question if you could be clarify for me. Within the last month I have opened a new stocks & shares ISA and funded it using the 20k 2023/2024 allowance. I dont particularly like the platform though so come April 6th i intend to open a new stocks and shares ISA and transfer. I will be wanting to add…
