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Virgin Money ISA matured - can it be moved to another provider in addition to new ISA?
Hello all, hoping you can help by addressing this question and pointing me in the right direction. I had a 2 year Virgin money ISA that matured in December. It was moved to a low interest ISA with Virgin rather than take it out. I opened another ISA for this tax year with a different provider earlier in the year. In…
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Trading 212 Cash ISA - Promo Code?
Hi, Has anyone successfully opened a new Trading 212 account and received the ‘newbie’ bonus, taking the interest to 5.05%? I tried doing this, and successfully opened an account but this was with 4.9%, it turns out you need to enter a promo code…. Martin Lewis doesn’t specify this code… so has anyone been able to get…
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Trading 212
Good morning Advice and help required please I have opened a trading 212 cash isa and completed a transfer form to move money from ford bank. Trading say they have contacted ford but ford say they haven't heard anything. It's been over the 15 days now. Ford live chat not very helpful and say they will look into it. They…
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tax and interest on interest earned
I understand that the interest earned on saving in a Cash ISA are free from tax. I have a two year fixed Cash ISA which matures in April. Let's say that over the two years I invested £20,000 per year and so interest is earned on those savings. At maturity I choose to leave my £40,000 plus the interest in the ISA (or…
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ISA for birthday between April 2006 and 2008
On the government website there is a statement that if you were born between April 2006 and 2008, you can get an adult ISA. But I can't find anything else to back this up - even a government reply to a question on the same website says under 18s can only open junior ISAs. Can anyone help me find one of these ISAs for my…
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Residence in AUS but paying tax in UK - saving options
Hi. My son is on secondment in Australia for 2 years and is looking for a savings mechanism for a few thousand pounds that is better than a banks easy access. He has a UK bank account and all his wages are paid into it. What type of accounts can he move him money into as most say he must be resident in UK?
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ISA question
I opened an ISA last year with an interest rate of 5.1% and put the £20k allowance in. However, the interest rate will drop to around 1% this April after one year. I want to open another ISA with another £20k and an interest rate of around 5% this April, can i also close the first ISA and transfer the cash in to that new…
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Cash ISA
Should I wait until the new tax year to transfer money from my existing cash ISA to a new one or should I do it before then?
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Kids’ savings accounts in my name - how?
Hello. So I opened Nationwide children’s savings accounts for both my girls when they were babies. The passbook has my name on it and the words “on behalf of [child’s name]”. There is 55k in each, mainly grandparents lifetime gifts and an inheritance. It was only when I queried the amount of tax I’m paying via PAYE with…
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Transferring a Stocks & Shares ISA from iDealing to Trading 212
My initial experience with opening Cash ISA, Stocks ISA, and Invest accounts with Trading 212 have been rather positive. Cash transfers in and out have been as quick as a standard fast transfer between banks. But I have hit one seemingly insurmountable problem with transferring my current stocks and shares ISA to them.…
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Drip feeding a cash ISA
Are there any cash ISAs that allow deposits every month? I've looked at a couple of providers of flexible ISAs but haven't seen anything about drip feeding. Thank you.
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Flexible ISAs - quick check
If I had 50k in a flexible ISA, I assume I can withdraw say 45k on 07.04.24 and do whatever with the funds (whether earn interest in an easy access account or for cashflow purposes), but as long as I pay it back in to the same ISA by 05.04.25, everything's fine? And assuming I've not subscribed or used my 24-25 allowance,…
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Funds and ISAs
HI all. I have a question (or three) I could do with some help with. This year and for the next two years i am likely to comfortably max out my ISA allowance. On the understanding that the increase in fund values is taxed as capital rather than income would I be better off to put the funds in an unsheltered trading account…
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Paper shares I would like to transfer into a stocks and shares ISA
I have Aviva paper shares held by Computershare I would like to move the shares to electronic shares and in the tax year 2025/26 transfer into a stocks and shares ISA using the bed and ISA (corrected) option (I have used this tax year ISA allowance) I have two stocks and share ISA’s IWeb and Trading 212. IWeb offer B&I but…
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Trading 212 - Wrong Interest Rate
Hi Everyone, I am having some trouble and looking for help/guidance. I was looking to open a cash ISA with Trading 212, I had heard good things and they were offering the best interest rate. So I signed up and went through the checks which took a day. Then I was logged in and could see the interest rate was not correct…
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Cash ISA's
So the last discussion about this popular topic was 2015. Really? Am I missing something.
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Help!! HMRC randomly dipped in and took 1/4 of my wages
Hi all! So I was shocked to find my monthly pay reduced by approx 20% (almost 600) this month with my tax code changing from 1147L to K283X. I had no correspondence, no warning whatsoever. My salary is approx 45,000 per annum My monthly pay is approx 3000 I have a grand total of approx 135,000 across 3 easy access ISAs;…
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Financial Times ISA article
Financial Times reports Phoenix and the LSE have urged the Chancellor to scale back tax breaks for cash ISAs. https://postimg.cc/Q9hpRG9Q Click on image to enlarge.
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New cash ISA - verify ID without smartphone
Are there any good cash ISAs that don't need a smartphone or branch visit to verify ID please? Asking for elderly mother in law.
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Paid into S&S ISA as non UK tax resident
Hello, I was UK tax resident for the past 4 years, in which I had a S&S ISA. For 2024-2025, I paid a lump sum of 20k on 10 April 2024 and then in June moved abroad. I won't be coming back until the end of the tax year, so according to the SRT that'll make me non-UK tax resident for the entire 2024-2025 tax year. Does it…
