ISAs & tax-free savings

There have been reports that the Treasury may be considering bringing in a limit on the value held in stocks and shares ISAs, potentially as part of the future budget. How likely is such a measure, and if it was introduced how might it be implemented ?

Received an email from Trading 212 Reduction in GBP Cash ISA interest We're adjusting our base interest rate for GBP (Pound Sterling), effective as of 1 May 2025. Your rates will be as follows: - Trading 212 Cash ISA: From 4.5% to 4.35% variable - Trading 212 Stocks ISA, Invest and CFD: 4.6% (no change)

A bit of advice please. I have some funds in a Charter cash isa which I am looking to move to either my trading 212 cash ISA account account or Iweb .. Eventually the funds would be moved into a s&s isa , which would be the easiest to transfer to - moving into a cash isa (trading ) or into Iweb ? Also a concern is if moved…

I have a nationwide account that pays interest annually in October each year and I'm trying to work out how much to declare for a particular year between 5 April each year. So assuming it's for 2024/25 and it was paid in October 2024 - do I just count the proportion of the annual interest between April and October for that…

Just saw this https://www.ig.com/uk/investments/share-dealing Was thinking about moving 100k over from T212 and taking advantage for a few months, but are there any catches? Has anyone else done this? How easy is the transfer? Thanks

Hi.Opened Tembo isa recently.They have a reward scheme where you receive a payment for a referral as does the person you refer. I sent my wife the referral link and she opened a Tembo isa also.After waiting a while for the reward payment I was told my wife had filled in the referral link incorrectly. She had typed in .comm…

I've got a Nat West 2yr 5.9% ISA due to mature on 4th Sept.They say I'll get a letter with maturity options a couple of weeks before that. Anyone got their letter yet and prepared to share the offering?Trying to decide if I open a new ISA elsewhere now and set up transfer on maturity or hope Nat West offer something decent!

Just tried to open one. Due to weird thing about their sort codes, I'm prompted to register as a new customer even though I have some accounts with Virgin already. I'm being asked to create new user name and password. Does this mean I'll have to log in to 2 different accounts in Virgin to see my different accounts or will…

I have an APS allowance following my wife's recent passing, but have already invested my full £20000 for the current year and wish to use the APS to open a new cash ISA with a different provider. (I am at the maximum protected amount with my existing provider) I am looking at Trading 212 but seem unable to get a simple yes…

Hi there folks, Hope everyone is doing good, I have an ISA that is due to mature soon and can get a one year at 4% or a two year fixed at 3.8%, so just wondering what to go for? What is the general consensus about interest rates at the moment though I do realise no one has a crystal ball? I do tend to stick with the big…

Maybe I'm just not good at reading between the lines but I've asked Shawbrook this question three times, phrasing it a different way each time, and am still unclear on the answer. The responses I received note that the transfer-in request must be received within 14 days of opening the Cash ISA, and that the Cash ISA to be…

Completely confused and out of my depth re action to take with what appears to be a particularly underwhelmingly pointless stocks and shares ISA which I've had for over 20 years with a value of very little more than the monthly contributions made over the period. Initially attempted to make a simple transfer to a normal…

hi experts, I have sold my house for 360k, which I bought years ago for £170k and still outstanding mortgage on it is 90k.I need advice on how to save the gains, by not attracting much tax. please advice

How can I find out which providers offer new ISA's funded solely by my APS?

Has anyone any experience of transferring a cash ISA out of NS@I recently? Am trying to move some previous year money to Shawbrook. Request went in Mon April 17th, receipt confirmed by Shawbrook Tue April 18th. Even if we take the receipt confirmation being a late afternoon and thus Wednesday not counting as day 1, then…

I see they are dropping their rate yet again for Cash ISA's.

I get so confused with ISAs so please bear with me! Firstly I have an Isa with Tembo, I had two allowances of £20,000 held representing my allowances from 24 to 25 and my current year 25 to 26. Firstly I got confused because the Tembo's Isas are branded as 'easy access' and I thought that meant you could put money in and…

My fiancé and I are saving for our wedding. I have opened an ISA to save for this. He has been sending half of his pay into the ISA the last 3-4 months to contribute to the saving. I’ve suddenly realised I’m not sure if this is allowed?! He doesn’t have another cash ISA but does have a help to buy ISA. (And has only out…

MSE claims that Trading212 is "offering a loss-leading high-rate cash ISA" to attract customers when in reality all Trading212 does is stick your money in a money market fund, something you could have easily done yourself on any other platform to earn SONIA. This makes me seriously doubt MSE expertise and reporting on…

I hope this makes sense rather filling the other threads that would remain focused on the new RSs and EA accounts.