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Dudley Building Society 18 Month Fixed Rate ISA
How do you just transfer an ISA to them as it only allows to do so if you open and fund for current year as well?
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Castle Trust Fixed Rate ISA Transfer
I was about to submit my online application to transfer my ISA to the Castle Trust 2 year 4.31% fixed rate ISA when I saw 'Serve the full notice period before this instruction can be processed. Please be aware that
if you choose to serve the full notice period of your existing account, the Castle Trust Bank
account you are…
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Question about flexibility on past years contribution.
I have a flexible ISA made up of past years contributions. For simplicity say these contributions total £6,000 but £3,000 has already been withdrawn this tax year leaving a balance of £3,000 with being able to add the withdrawn contributions back before the end of the tax year. If I was to transfer £2,000 of the remaining…
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Plum now delaying cash ISA monthly interest payments
Just wanted to highlight this change of policy, notified by email today. Up until now monthly interest on my cash ISA account has been paid on the first day of the next month. One day later. Now they're going to pay it - the last day of the following month ie 30/31 days later. As per the email: The interest you earn for…
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FTB with LISA but don't need a mortgage
I am self-employed and in my mid-40s. I have a LISA with a balance of £20k. My parents have offered to gift me enough capital to buy my first house outright. I therefore don't need a mortgage but I'll pay a 25% penalty if I withdraw the funds from the LISA. What is my best course of action? Taking out a mortgage feels like…
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Atom Bank application rejected
I was hoping to open a fixed 1 year savings account with Atom, as they seem highly rated. Unfortunately I reach submission stage and it says an error occurred on my address details. I contacted them, and it's because they use TransUnion, a third party checking provider, who rejected the application. Any other 1 year fixed…
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Should I s&s Lisa?
Hi folks!As my 36th birthday has just passed, I contemplate again as to whether I should open a Lisa. I'm a homeowner so it would be for retirement. I also recently increased my contributions into my workplace pension but I thought maybe it would be a good idea to open a s&s Lisa in addition for retirement. The only thing…
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Charter Savings easy access cash isa issue 47 rate reducing
Just had an email it is reducing by 0.3% from 4.72% (4.62%) to 4.42% (4.33%) on 27th November.
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Thought I'd Opened an ISA with Nationwide
I January 2024 I was planning for my retirement in August 2024 and thought I would open an ISA in my name and another in my wifes name to get the 2023/24 allowance. There website links took me to the ISA page were there where options for different types of ISA, Investment ISA (based on shares performance), a cash ISA, and…
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Issue transferring out of Post Office ISA
I'm now on my third refusal by Post Office Savings to transfer my ISA funds to Zopa, first off they said it was subject to a fixed term agreement (it wasn't, it is in the Instant Access pot), then they claimed Zopa had refused the transfer and now they are saying that they can't transfer electronically to Zopa. Has anyone…
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Some complete newbie questions about ISAs
How do ISAs work when your savings reach the yearly limit? Say i invested 20K in a cash ISA. What happens to the interest earned from it? Does it go back into the pot and that then goes for the following year or are you forced to take it? Also say i invested 20K in 2024/2025 ISA, what happens to that 20K for 2025/2026…
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ISA savings account & tax
This question has probably been answers many times but I'm struggling to find the answer to it. I hope someone can help. :smile: I need some help with understanding tax on savings as I think this will affect me in someway as I am reaching £20,000 worth of savings in a easy access ISA savings pot. My interest rate did go…
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What to do with maxed out isa interest
Hi. I have one ISA that I maxed out last year (£20,000). It will have earned £1000 in interest by the time it is due to end. Am I best to leave the £21000 in the same ISA or should I transfer it if there is a better deal elsewhere. If I do transfer it - can I only transfer £20,000? If so, what is the best thing to do with…
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End of the world? HL recommends an ISA
A lot of investors have been a bit fed up since the budget, so here’s some light relief! https://www.theguardian.com/money/2024/nov/05/why-should-i-bother-paying-into-a-pension-if-were-all-doomed
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Second ISA
Hello. If I want to set up a second ISA with the same bank (Santander) when should I set the second one up. How many days before new tac year starts?
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Issue transfering ISA from Skipton to trading212
Hi I've been trying to transfer my ISA from Skipton to trading212 but I've had 4 failed attempts. My reference number is correct but neither bank can understand what the problem is. Has anyone else had any issues with this please? Thanks
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Duplicate Fixed Rate Cash ISAs from same provider in same year
Hi, I save money for my Grandsons (2) for when they are adults. I don't want them to have access to these savings until they are over 18yrs (potentially mid 20's) and therefore the savings are in my name alone. They are different ages so I started saving for them at different times in different accounts, resulting in a…
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Santander fixed rate ISA
Can someone explain how investing £20.000 into a Santander ISA that after one year it’s made £33.53 in interest, Santander recommended this ISA and it’s done nothing. Have a chosen the wrong ISA?
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LISA for an over 40
Hi, I was one of those who was under 40 when LISAs were released (so opened one with the princely sum of £1.00 while I had the opportunity), but time passed and now over 40! When they started very few were competitive, most did not allow transfers above the age of 40 etc. Hence, who is providing the best LISA rate that…
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Recent transfer of Junior ISA
My son has recently turned 18 and his Foresters Junior ISA has been reinvested into an ISA. They have written to him and say he has 30 days to cancel. If he wanted to just withdraw it all into his bank account it says he would be liable for government penalty. Does anyone know how this works? Is it a percentage of the…
