ISAs & tax-free savings

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.

i have 20000.00 in a flexible isa this years allowance but the interest has gone down can i move this in to a isa with a beater rate also what happens to interest all ready earned 

Hi folks, i would like to ask a serious question that is causing me some confusion about cash isa's. is anyone able to answer this:- Last tax year i opened a cash isa with Trading 212 on the recommendation of this site. i put in the full amount. Over the course of the year money was withdrawn to approximately half. Now,…

I have a standard Cash ISA with HSBC worth £50k. I have contributed £12k to it in the current tax year. Can I do a partial transfer out of £40k to a stocks and shares ISA with another provider? I’m getting confused by reading online!

Hi all, I’m hoping someone can help me make sense of something that doesn’t seem quite right. I’m a UK higher-rate taxpayer and complete a self-assessment return due to receiving dividends alongside PAYE income. This year, I had £432 of interest income from savings — well within the £500 Personal Savings Allowance (PSA)…

I'm looking to take out a flexible ISA, with £20,000 of savings. I might not have the money in the ISA for the full year. If the interest is paid annually, will I get interest on the money that was in the account for the period of the year that it was there? Thanks. 

Has anyone experienced SOF checks when transferring a large (>£100k) ISA? I ask as my ISA balance has built up over decades and it would be very onerous to demonstrate the precise source of the entire balance if the provider I transferred it to asked . It has primarily come from small amounts of savings from employment…

There is a ISA on offer from CMC investment offering 5.44% easy-access Cash ISA (4.59% variable + a fixed 0.85% bonus for 90 days). Can anyone explain what this means? Variable is changeable, but does it mean it doesn't go below 4.59%? And I would get and additional 0.85% after 90 days on my savings? Any insight would be…

I am buying my first property using inheritance snd no mortgage, I have some money in a help to buy isa can I use this and get the 25% government bonus?

Am dithering about withdrawing my premium bonds and putting into cash ISA. I have won £125 over 4 months on bonds worth £11000. How do I compare interest rate of 4.87% to see which would / is giving the higher return please?

Has anyone else had trouble logging in to Plum? I have been trying for 3 weeks now and the app will not accept any PIN I try to put in or accept it when I try to reset it. I am repeatedly asked the same questions and given the same advice over and over again even after I say that their suggestions haven't worked. I…

My Virgin fixed rate ISA matures on 29th August. I would like to open a new fixed rate ISA and transfer my matured funds. With the BOE meeting in a few days, and a predicted rate drop, it might be a good idea to open the new ISA now to lock in a decent interest rate. I'm looking for a provider which will allow me to open…

Hi, Has anybody had issues with the interest on their Trading 212 cash ISA? I signed up and transferred my existing ISA's to Trading 212 at the end of June. The 'Pending Interest' never showed, but I assumed I'd just missed the deadline for the interest being paid for June. However, interest for July was not received by…

I understand that Trading 212 hold clients money in 3 separate banks: Barclays, JP Morgan and NatWest. As it splits your ISA cash between these, does that mean you potentially have greater than £85k of cover by FSCS ? Theoretically up to £255k via the Trading 212 platform ?

To keep it brief: about four weeks ago, I initiated a transfer of my LISA funds from Moneybox to Tembo in order to take advantage of a better interest rate. For the past week and a half, my Moneybox balance has shown £0. Their customer service team has confirmed that the transfer was completed successfully on their end.…

I'm seeking a little bit of help. I'm looking for a nice low cost Junior ISA that only allows investments in UCITS type funds (it's a company rule). Unfortunately I can only see a few - M&G has one but the index tracker fund choice (I was looking for a nice global tracker) is limited to a FTSA all share index, which, for…

Hello. I recently found myself in danger of paying income TAX on my savings. I looked into my options and decided to place my £20,000.00, the maximum allowed, into a Trading 212 Cash ISA. This decision was entirely based on the advice on MSE but I may have missed the gist of it completely in which case I apologise for the…

Hello all, apologies I have looked through the forum Q & A and still unsure as to the answer to my question and hoping somebody can help please. I have 20k in a one year fixed rate cash ISA with Secure Trust that matures mid August 2025. I am going to transfer it to a new provider as Secure Trust are only offering new…

I know there was some bother when Vanguard increased their fees about transferring ISAs out. I’m looking at moving mine to Invest Engine as it seems to suit my needs and 0% fees is obviously attractive. Is there any more recent experience of how transfers out of Vanguard have been progressing? I’m hoping that having left…