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Halifax ISA Transfer
Hi all, anyone else having issues with the Halifax not completing a ISA transfer.? Over a month ago I applied via trading 212 to transfer my ISA. However Halifax haven't prossessed it and now it been cancelled. So annoying
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VG lifestrategy 80/20 where now?
Hi all l'm aware there are a lot of comments about vanguard and their new charges. I am in the low investment bracket that will hit me hard. So I was thinking of withdrawing. Is anyone aware of a similar investment like the 80/20. I saw somewhere maybe the HSBC global strategy funds, but not sure. Any guidance would be…
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Stocks and Shares ISA and Vanguard
I am contemplating investing via Vanguard and into one of the indexes like FTSE Global, S&P 500 etc. I currently do not have a stocks and shares ISA. Is it possible and recommended to open a stocks and shares ISA with vanguard and then invest. Please note this thread is to request help on using and maximising the benefits…
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Transferring 2023/24 fixed Virgin ISA due to mature on 2 January?
We both have Virgin Money ISAs due to mature on 2 January 2025. Both are for the full £20k year's allowance taken out on 2 January 2024. We haven't had any communication from Virgin to date and realise it's only a week off now. This is the first time we both wish to keep the money in an ISA wrapper so am a little unsure of…
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Is photo ID required for app type applications?
I've just been unable to apply for an account for the first time despite being a UK citizen, having lived here all my life, got NI number, on electoral register, same address for 35 years, top credit scores. Trading 212 asked for a driving license (omitting that it was a photo ID they required) so I went ahead. It was a…
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Unknown banks..are they safe?
Thus might seem a daft question but I'm a very conservative saver/banker and have always used known high street financial companies...but I notice on this website the highest ISA rates are with non-high street banks....I.e. Habib etc. I'm wary of Internet banking so how can I check these banks are ok to use? I imagine they…
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ISA
I don’t know much about isas but I have one with Lloyds bank the begging of the year I belive April time , I closed it as i got offered better deal with Barclays so opened one with them I didn’t transfer my balance directly as had issues with Lloyds can I open another with lyods even when I’ve closed one with them this…
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Two ISA's
I opened an 1 year fixed cash ISA 6 Dec 2023 with £20000 this matured 6 Dec 2024. I withdrew the interest and reinvested £20000 in another 1 year fixed cash ISA which matures 6 Dec 2025. I also opened an 1 year fixed cash ISA £10000 with another bank on the 29 April 2024 which matures 28 April 2025. When can I top them up…
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Virgin Bank - different log ins for new ISA
I have an existing ISA along with a number of other Virgin accounts which I access using my phone app most of the time. I have just applied to open a new ISA, with the intention of transferring the old ISA to the new account. This is where it gets annoying. Because the old accounts sort code begins with an 82 I have to…
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Cash ISA Questions
I have a cash ISA and the fixed rate expires on 4th January. I was hoping someone on here could help me with a few questions. 1. When the fixed rate ends will it just revert to an easy access variable rate ISA (unless I give them alternative instructions)? The provider is Shawbrook if this helps. 2. The rate of the easy…
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Clarification concerning starter rate for savings and capital gains
I saw this thread. Dazed_and_C0nfused there says: "But the savings starter rate uses some of the basic rate band so could impact CGT in some instances" ... and then gives an example. I don't understand from the example the way in which the starter rate "uses some of the basic rate", i.e. what rules are applicable. My…
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Multiples ISA maturity question.
I've currently have 3 isa (fixed) with 3 separate banks, which all mature early May. I was thinking about combining them into one isa account. How easy is this to do?
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Interactive Investor forced sale at a loss
I was recently informed
by Interactive Investor, the provider of my ISA, that my shares in
Dunedin Enterprise Investment Trust would be forcibly removed from my
ISA if I did not sell them soon – at a significant loss. This is
because the directors of Dunedin Enterprise are intent on winding up
the company and returning its…
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Date for ISA transfer
Seeking advice from those more experienced. Fixed cash ISA matures 30/12/2024. Have opened new cash ISA account with different provider - as yet unfunded. Have to fill form in to transfer money from 1st provider to new account. What date should I put on form for transfer to happen to ensure I'm not transferring before…
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Starting out, which isa and transferring between cash and S&S?
Hi all, so I'm coming into some funds soon that I want to split between a cash and a stocks and shares isa. The thing is I still have a fair bit to learn about investing so I'm not sure if I should put a lump sum straight into some funds or start with it all in cash and either wait altogether or just do a monthly…
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Question - Lifetime ISA Joint Purchase
Hey, my girlfriend and I are starting to think about buying a property together. I am already a homeowner but we would be looking to purchase somewhere bigger than my current property together to settle down and start a family. She currently doesn't have a Lifetime ISA but I suggested she should get one. As far as I can…
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Trading212 Cash ISA transfer out
I have a trading212 cash ISA which I have requested to be transferred out (via the new provider). According to the trading212 help they would notify me and ask for approval, neither of which has happened yet after a week. I tried asking their online help on chat but they are not answering which is another issue. Has anyone…
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Trading 212 Cash ISA - Interest on uninvested cash
Hi all. Sorry if this has been asked already . I've had a search but can not see this previously asked. I recently opened an ISA for this year and deposited funds. And the main Cash ISA screen says the correct amount for the account. On the notifications however I get a daily notification about the daily interest, but this…
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Fixed Rate ISA Maturing
I have a two-year fixed rate ISA with Virgin Money that matures on 24th December 2024. They are offering to reinvest the money into either a new 1 year Fixed Rate ISA, a new 2 year Fixed Rate ISA, an easy access Cash ISA, or a non-ISA account, with the easy access Cash ISA being the default option. In this tax year, I have…
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Fix or not to fix my cash ISA?
I understand that nobody has a crystal ball to predict the future interest rates. I currently have an easy access cash isa which pays 4.7%. I won’t need to access the money for 3-4 years. There are current two year fixed at 4.4%, what are your thoughts regarding fixing your ISAs? I do have a S&S ISA, but want to keep some…
