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Transfer in to Zopa
Hi, Anyone done a transfer into Zopa yet, any issues? I already have a Zopa ISA funded from this years allowance. Elsewhere I've two Virgin (exclusive) accounts which together now exceed the FSCS limit, so am considering transfering the smaller one into Zopa.
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Lifetime ISA Cash or stocks
I'm 22 and will graduate this year. I recently have downloaded the moneybox app and looking into putting some money into a LISA. I was thinking of putting it into cash because I wasn't sure about risking it, however, I had a think about it it and I think I don't mind losing a bit of money as long as it isn't over a £1000.…
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Can a cash ISA only be funded in the year of opening?
Hello ISA experts I would like to know if I open an ISA now for the 23/24 year can I still pay into it in 24/25 and open another ISA in 24/25 and fund that also? Many thanks.
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New employer but same WPP?
Just wondering what happens when you leave one employer who go with one workplace pension provider & you go to a new employer who also uses the exact same pension provider? Do you contributions go in to the same pot or is it like a second account?
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Which S&S ISA (or SIPP) providers have Crypto ETFs available ?
I'm about to sell my profitable crypto coin for £6k profit to avoid future CGT (and keep the losing coin for a while). But I don't want to get out of crypto now that I am finally in profit! My current ISA is with ii and I can't find any crypto ETFs there to make a quick swap easy. So looking to move £20k into a new S&S ISA…
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Does HTB ISA prevent opening another ISA?
Hello everyone. While I am aware that you can only open one cash ISA each tax year (assumption that the full 20k allowance is utilised) and/or contribute to one, I just want to double check something. My partner opened HTB ISA few years ago and has been putting in max.£200 each month. This account will soon reach the…
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Matured ISA Transfer
Hi All. Can i ask for advice please on the below scenario, I'm a bit confused and unsure if this is possible. Feb 2023 i opened a Barclays 1 year fixed ISA which matured Feb 2024. This ISA was funded with the full £20K of my 2022/2023 allowance, and then in June 2023 i added another £2000 from my 2023/2024 allowance. When…
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Matured fixed ISA bond
I wanted to move some of my money out from my matured fixed rate ISA bond, which consists of a few years, to another bank and was told I can only do the full amount. Is this correct?
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Best ISA’s for people on benefits
Wondering which ISA’s are best for people on Universal Credit and PIP? (For those who are unable to work).
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Is the LISA going towards a dead end?
Following the budget news neglecting the Lifetime ISAs but at the same time unveiling a new problem thats about as niche, its starting to lead me down a road to think of them as heading into a sort of government sanctioned con. Aside from what the government is (or isnt doing) about them, Im more focused on what the…
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Moneybox
I am trying to deposit some money into an Isa in Moneybox but what site is the legit site there loads comming up help please
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Moneysaving expert list of best ISA accounts seems not updated
For years I use the MSE list of "best accounts" to find the best interest rates. Checking today, I noted that all ISAs listed have a significantly lower interest rate than those recommended by WHICH? For example best 5 year fixed ISA interest in WHICH is 4.54%, however in MSE 4.16%. Applies to all listed ISAs and MSE does…
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H2B and LISA
My son has £2100 in his H2B and £7000 is a regular savings acc. Yesterday he opened a LISA with Moneybox with £1000 from the savings with the intention of transferring all from his H2B but once opened they stated they had paused transfers until 6th April so he cannot transfer - wondering what he can do to get the best…
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LISA bonus not added before account closed
Hi, I've made a deposit to my LISA in February. As I'm buying a house, the solicitor requested a withdrawal of all funds (and the account to be closed). The bank's website says it will take up to 7 weeks to add the bonus but by then, the account will be closed. What will happen to the bonus? Thanks!
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ISA maturing
Hi my fixed term ISA is about to mature and will change to easy access with low interest rate. I have had chat with bank n I'm considering opening with another bank (offers higher interest rate) n transferring ISA. As I max the ISA limit the new balance is over 20k. Can I simply transfer the full amount, ISA +interest, to…
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Help to buy ISA dilemma
My son and his wife have had these ISA for several years and finally are looking at buying a house. We are providing a private mortgage to them. Two questions 1. Does this funding qualify ( will be set up by solicitor) 2. The purchase limit is £250k.....pretty unachievable in our area (SE.) Is there a way to get over this…
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How to open and move money into a junior cash ISA
Potential stupid question incoming.... A few years ago I opened a Santander 123 Mini (In Trust) account for both of my kids. The interest offered on the account isn't great, so I'm looking to move the money into a Junior cash ISA so it can earn more interest, and so I don't have to worry about paying tax on the savings.…
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Who can pay into H2B ISAs and LISAs?
Am I right that anyone can pay into a H2B ISA - i.e. parents can pay into their children's H2B ISAs, but only the account holder can pay into a LISA? I've seen conflicting information online - the Hargreaves Lansdown site says "Under HMRC rules, a Lifetime ISA can only be opened and topped up by the account holder." In…
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Transferring into a YBS Loyalty Six ISA
Has anyone managed to transfer from a non-YBS cash ISA into the YBS Loyalty Six online? I have completed the online application process and the account is showing in my dashboard, but there's no button that allows me to transfer in, only transfer out. I would love to avoid having to fill in and send back a paper form if…
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Virgin one year fixed- when is the interest paid?
I opened a one year fixed rate. It says maturity 23 Dec 2023 but under interest will be paid annually it says 5th August (it doesn't say year) I'm confused, I thought the would pay interest at maturity, not 8 months later????
