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ISA Transfer Virgin to HSBC
Hi. I have a Virgin fixed rate ISA that expired yesterday (23/2) which I want transferred to an HSBC fixed rate ISA (which I opened 16/2). When I opened the HSBC ISA I completed details of the Virgin ISA I wanted transferred in and selected the transfer to take place after the Virgin ISA fixed rate had expired. Today, when…
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Company Rep Pushing a Lifetime Isa
Daughter is being advised to open a Lifetime Stocks and Shares Isa by a companies rep. She is only just embarking on her uni studies and may well work / settle abroad, it’s just too soon to know where life will lead her so investment in a Lifetime Isa will wait for now until she is more certain. However the rep is pretty…
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£85k FSCS limit - stocks and shares ISAs?
Hi there. My partner and I each have around £60k in cash ISAs. We have used our allowance for this year and we want to transfer all of it, plus our £20k allowances for 2025/26 in April, to stocks and shares ISA. We will get interest payments at the end of March 2025 which will push up our total cash ISAs to over £64k each.…
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LISAs - anything else I should know?
I'm 32, basic rate tax payer and enrolled into WP (5%-3%). I'm on track to clear debt by Christmas '25. I've started to dip my toes into S&S investing with a Trading212 S&S ISA, which is more to start to understand investing than for any real purpose. Having been thinking for a few months now, and with some great advice on…
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never had an ISA - help
ok so with the amount of savings i have now i need to look into an ISA, this tax year ive had 3 updates with my tax telling my ive underpaid, each time i just made the payments rather than take it from next years wage. i want to open an ISA and stick 20k in there, and then next tax year i can then stick another 20k in. its…
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Interest on ISA paid direct to current account
Hello. I have a question about interest earned on a cash ISA. I opened a cash ISA with Coventry BS in September 2024 £20000 was deposited. I elected to have my interest paid monthly directly into my Lloyds current account rather than let it mount up. I have just found out that the interest I have received over the last 5…
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Chip Bonus Code
An article in the Daily Mail says that you can get 5.03% with a 0.71% bonus, if you use the code ISABOOST. I've tried inputting the code into my existing Chip ISA but it will not accept it. Am I right in thinking the bonus is only available to new ISAs, even though the Mail article makes no mention of that?.
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Flexible ISA mess - caught out by new rules
I think I've fallen foul of the change in the rules around flexible ISAs, which I've only just found out about. At the start of the tax year the guideline was that any current year contributions could be withdrawn from a flexible ISA and replaced into any other ISA the same tax year without affecting your limit. So…
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Compararison for Flexible Cash ISA
Is there anywhere I can see rates of flexible isa cash isas across providers ? Ideally I'd prefer to go with provider I'm already banking with for simplicity of management. I'll be using the flexibility so the best rate is not actually a concern. Can't seem to find anywhere that let's me filter cash isa providers to only…
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Tracking your 20k annual allowance across multiple ISAs
Hi all :) Being able to open multiple ISAs in one tax year, I was wondering how people are tracking their 20k allowance within that tax year. Seeing there's only 43 days left until the new tax year 2025-2026 comes into effect, I started looking at all my contributions to the various ISAs I have (or have opened in this tax…
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ISA Basics
I am new to ISA's and have a few basic questions that I hope someone will be able to answer for me.I have opened and put £20k in a cash ISA for this tax year.When it comes to the new tax year, I intend to put another £20k into an ISA.Can I open another ISA account with another provider for subsequent years, or do I have to…
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What is a SIPP administrator?
I have used the interactive brokers paper trading account (and API) for the last few years and I enjoy it - it is working out quite well. Albeit I take more risks with it being a paper trading account. However, I discovered recently that interactive brokers do not offer ISAs in the live trading account, but do offer…
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What is best
Hi I have a fixed savings account that has matured today that I want to put in a fixed isa, so at the moment it is in a holding account at 0.10% interest, I know the ISA season is usually around April but I have to move this now, so my dilemma is, which at the moment is the best reliable isa on the market to put say 20,000…
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ETFs on Trading212
Hello am thinking of opening a stocks and shares ISA on this platform. I want to invest in ETFs, mainly a developed world ETF but maybe one or two themed ETFs. I wondered if there is, by and large a good range of ETFs there? I considered Inveat Engine which is just ETFs but they consolidate their trades once a day which am…
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Can Reeves decide to tax an existing ISA
I've just read that Labour may be lowering the cash ISA allowance to £4,000. I know its only rumour/hearsay at present, but given the raids everywhere else, its a very strong possibility. Could they go after existing ISAs as well? I've got a decent amount in a self select S&S ISA - So thought I'd ask. Thanks all
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ISA maturity options
So yes I’m asking a question that comes up in a lot of forum questions but I still find answers confusing so I’ll put my situation out there and see what advice comes back. i have an USA maturing this month from investing in the previous financial year. I have already opened and used all allowance for this financial year…
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Investments and ISA allowances.
We recently downsized allowing me to invest surplus proceeds. We have always held all assets jointly, however my husband has memory problems and I have full Power of Attorney for him. I was advised by the bank that Investments can only be made in one persons name, consequently we are losing my husbands ISA allowance every…
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Transferring LISAs For Higher Interest Rates
Hi All, My partner and I currently have a LISA with MoneyBox but we are looking to move to Tembo because of their 4.8% Interest rate compared to MoneyBox's 3.5% (Just announced reduction). We have had these accounts for numerous years and have a good £5k in government bonuses + interest accrued. I want to double check that…
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Funds transfer - keeping within ISA wrapper
Appreciate this is a long post. Following on from my previous post. While I plan my next steps, I am thinking of selling all my current S&S ISA 29 funds into cash ISA. I would like to know when will will the fees for my current platform and fund managers stop? and when will my Cash ISA I start earning interest ? As there…
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Don't quite max out your ISA?
I've been frustrated recently that because I've maxed out my ISA allowance with a non-flexible account I can't open and fund new better deals that become available during the financial year, yet may only be available to open for a limited period. Does it make sense to leave yourself just a few pounds short of the maximum…
