ISAs & tax-free savings

As promised in last year's Budget, a consultation has been launched to discuss a new product for first time buyers, to replace the Lifetime ISA. Initial impressions are that it's broadly similar to the Help To Buy ISA, in terms of the bonus being added at property purchase time, and therefore no withdrawal penalties before…

Transferred my cash ISA to chip's smart cash ISA last month as my interest rate went down with moneybox after 1 year. Rate I've got on chip's smart cash ISA is 4.45%. transfer date: 27th July, ~£67700. first interest paid: 14th aug (£40.46). it also apparently shows how much interest I will earn and is showing me a sum of…

Hi Has anyone done a transfer out of their Saffron Cash ISA to another provider? Do they do it electronically or do you have to do it via a paper form via your new provider? Looking to transfer to Aldermore . Thanks

Just a word of warning for anyone considering opening this particular Cash ISA with Hargreaves Lansdown. I opened this very ISA in Feburary which at the time was paying 4.3% AER. In the short time since they have already dropped the rate 3 times. In May they dropped it to 4.01%. In June they dropped it again to 3.73% and…

Me again - asking a question for my husband. He opened a cash ISA a few weeks ago depositing the max amount possible from a lump sum received. He already had a cash ISA with the same company (Virgin) which was 1yr fixed rate and matures next week! We were both under the impression that if it was fixed rate 1 year ISA you…

Does anyone have experience of transferring ISA investments away from this new Chip Financial product? They don't give you a sort code and account number and it's therefore turning into an impossibility to transfer my investment away and into Charter Savings.

Hi! This is the discussion thread for the Top Cash ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks

From 6 April 2027 onwards: Can I put £12,000 in a Cash ISA + £4,000 in a Cash Lifetime ISA. Total £16,000? Does money put into a Cash Lifetime count towards the £12,000 limit on Cash ISA's? Are Cash Lifetime ISA's separate to the Cash ISA Limit of £12,000?

My wife closed her ISA 14 day cooling off period anyway my question is can she reopen it it says in Google you can as it was cooling off period? Is that correct? I was due to move house this plan may not be happening now

I have a cash ISA with Tesco set up Jan 2026 with £7000 transferred from a TSB ISA. I deposited £20K from savings into this in new tax year April 26. I have another fixed rate cash ISA with Virgin which matures end August. I want to keep both going but all in one ISA. Virgin have offered a new fixed term rate if 4.4% which…

With a ISA transfer for delayed transfers (i.e. only transfer upon maturity), what should the maturity date be for the new account, if its a 1yr fixed? Background: Recently a relative applied to transfer an ISA which was maturing within a month to an new provider, which offered a competition 1yr fixed rate ISA. They called…

I'm thinking of transferring an ISA to Aldermore who I've never had any dealings with before. Appreciate any comments good or bad regarding them.

I have a flexible cash ISA with Halifax but am looking to transfer £15k of the existing balance into a flexible ISA with another provider to get a better interest rate. The new provider ISA doesn’t do ISA transfers so I will be withdrawing £15k from my Halifax ISA and paying into the new ISA, and as such I realise the…

Hi there I have had an ISA account with Santander since 2009 but moved to Cyprus 10 years ago from the U.K I appreciate that I not allowed to make additional yearly contributions, but wanted to know if I am allowed to switch from and Easy Acess Cash ISA to a relatively better fixed rate ISA which currently has a 4.5%…

Just had an e-mail saying my rate is going down from 3.8% to 3.55% - really disappointing given that interest rates are generally holding or going up. I remember being warned about becoming beholden to a bank because of a lack of competition with LISAs. I hope the new help to buy ISA is simple enough that most banks offer…

Can anybody tell me if the Scottish Widows ISA is a flexible one or not? The Scottish Widows Website is down for maintenance this weekend so cannot ask there.

The Moneybox Cash ISA is stitting pretty at the top of the MSE ISA charts for "transfers in". But what I hadn't understood (and perhaps I am still not understanding properly) is that when MSE says the rate of 4.75% includes a bonus "for newbies" this seems to mean someone who has NEVER opened a cash ISA, not just a new…

Morning I’ve made a mistake by opening an ISA for my grandson with HL and have now found out that I shouldn’t have opened one - should have been with his parents. Is it possible to change this simple? Thanks in advance!

I haven't had an email from Coventry yet, but noticed on my account page that there is now an 'maturity instructions' link which shows what their offers will be for maturing ISAs at the end of this month. Not the most competitive: Option A - Fixed ISA (327) 31.08.2027 4.20% Tax free^ p.a./AER* (Fixed until 31.08.2027)…

hi have cash held (dividends received) in a barclays stocks & shares isa looking to transfer the cash to another provider but in to a cash isa those i have looked at do not seem to allow transfers in to cash isa from a stocks one has anyone managed to do this and if so, what provider thanks for any advice