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Partial withdrawal from 23-24 ISA.
Am I correct in thinking that if I withdraw money from my Skipton 2023-24 Flexible ISA I can replace it again? (I have a 2024-25 Flexible ISA too with Chip but don’t want to use that one.) If so, how long do I have to replace the money in the Skipton ISA Account? Thanks for the clarification. Appreciated.
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Getting Investments into ISA wrapper
Me. Ongoing £250/month into longstanding Vanguard S&S ISA plus £13K cash ISA so far this year. Additional £50/month into Nutmeg funds, value c£2,5K OH. £17K cash isa this year, no S&S isa contributions, but £100/month into Nutmeg funds current value c£11K 1 How do we get the OHs £11K into an ISA wrapper, can we get £3K in…
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Isa transfer
Hi have transferred Isa to trading 212 which took 3 weeks - trading 212 had my transfer on the 26th November they have said Jo Morgan carrying out compliance checks which can take 30 days from the 26th is that right because the reason I transferred was to get interest and nobody knows from Trading 212 when will be…
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Regular Saving ISAs?
I'm curious as to why Regular Saving ISAs don't seem to be very much of a thing (there are hardly any providers which offer them, and those few which do exist seem to pay rather lower interest rates than unshielded accounts, so even if you are subject to tax on interest on unshielded accounts, the Regular Saving ISAs which…
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Slow ISA transfer Trading 212
I initiated the transfer at the beginning of August and it’s still not transferred into my Trading 212 account. I have been into the building Society and they confirmed account was closed and money transferred to trading 212 the end of August. The only way to contact trading 212 is to send them a secure message which I’ve…
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Best platform for S&S ISA
Considering transfering around 50K of my Cash ISA savings into a S&S ISA & around 1/4 to 1/2 of my allowance each year going forward. Goals are to invest primarily (80%) in funds that track the market & max. 20% individual stocks (emerging markets telecommunications, power and tech ) over a min 8 max 12 year period and…
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Two cash ISA's in same year.
I used
around 17k of my 24/25 ISA allowance early in the year with Virgin (cash ISA) I
have an old ISA with Ford Money and was thinking of putting the 3k allowance I
have left into it. Ford Money
state they don’t allow you to pay in to your ISA if you have already opened an
ISA, Will they know I have opened one? I’m aware…
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UBL UK Bank fixed rate ISA
Hello I’m interested in hearing from anyone else who has set up a cash ISA with UBL UK Bank. Following MSE recommendations, I have opened a 1 year fixed with them, but HSBC are being very challenging with me in terms of allowing a transfer into the ISA, and have placed significant doubts in my mind. I have done what I can…
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Moving easy access isa after two months
Hi Quick question, I have a isa with Leeds that's easy access with interest paid after 12 months, I have decided to go fixed with rates slowly falling but wondering if I transfer out what happends to any interest if I'm not paid it after 12 months? Do I get a potion of that on transfer out or none at all as I've not left…
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ISA Deposit & Allowance
I have a £20,000 2 year fixed term ISA maturing in a couple of weeks. If I transfer this amount to a new ISA does this count as my ISA allowance for 2024-2025 tax year or can I add another £20,000 to this amount. I have not previously used my ISA allowance for this tax year.
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What happens LISA between 50 & 60 ?
My daughter has a managed Stocks & Shares ISA. If she starts a cash LISA can she transfer it at 50 into a S&S LISA to the same fund manager who don't handle cash LISA's? Thank you.
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Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 7
This account matures on 29 November 2024 and I recently received an email saying: "After maturity, we’ll automatically switch your account to an Easy Access Cash ISA Exclusive Issue 3 in line with your Terms. It pays a variable interest rate of 4.51% Tax Free AER" However, this account was withdrawn on 12 November 2024. As…
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Withdrawing Cash From a Personal Investment Plan
Hi Everyone, Can anyone offer some advice? My wife has POA for her mothers Persoanl Investment Plan (PIP) with Scottish Widows. We are going to have to start using this money to pay for her care home fees next year. I don't know much about these plans, but have read that any withdrawal is subject to tax on the whole amount…
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Flexible ISA - T212 -move money from cash to S&S
There’s a feature called ‘move funds’, separate to withdraw or transfer. Am I correct that this complies with the new rules and would not result in exceeding your allowance if you put some of the 2024/25 £20K cash ISA , into their S&S ISA? A quick search finds articles that say you need to complete a transfer to move money…
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Made a hash of ISA transfer
Hello. I would like some advice on how to rectify a very poorly judged ISA transfer. I had 30,000 in a Charter Savings bank 1 year fixed rate ISA which recently matured. Upon maturity I transferred the money into a Charter flexible ISA saver with a rate of 4.25%. Earlier in the year I also put £12,000 into a Trading 212…
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Chip Cash ISA FSCS Protection through ClearBank - clarification requested
Dear forum members I have been reading about deposits in Chip cash ISA being protected under FSCS through ClearBank. I've also checked ClearBank on FSCS website and it confirms the deposits with ClearBank are protected. However, when I read the ClearBank FSCS document that details the exclusions it states 'A deposit is…
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Loanpad announce drop in rates
Our new rates will be as follows: From 02 January 2025: Classic / ISA Classic 5.40% Premium / ISA Premium 6.40% From 01 February 2025: : Classic / ISA Classic 5.30% Premium / ISA Premium 6.30% I suppose it was to be expected - Loanpad Premium ISA rates still have a slight premium on cash ISA rates but there is a small…
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Flexible ISA different provider question
Hello, Please can I ask if you can you take money out of a flexible ISA (either a cash isa or a stocks & shares isa) with one provider and put that money into a different provider's cash isa / stocks and shares isa? I know this needs to be done in the same tax year that it was deposited, but I'm not 100% sure on the…
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LISA Stocks and Shares and JISA stocks and shares
Hello, Happy New Year! Sorry for the listed questions but I'm hoping someone can advise me. I have queried about S&S ISAs before and have just taken the plunge and opened one with Wealthify to ease me in (with the £40 cashback too). 1. I am now wondering whether I should move my daughters' ISAs into a stocks and shares…
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CASH ISA Interest Rate change
Hello, I have some money in a CASH ISA with MoneyBox, and recently have received a message from them letting me know the interest rate has decreased, from 4.25% to 4%. I'm not sure there's anything I could/should be doing, like changing to a new CASH ISA, or if I should just leave my money where it is. I was wondering if…
