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Any reason to stick with Moneybox?
As above, would there be any benefit to keeping my Moneybox ISA
open with say £500? I opened the account early May with 10k new money plus a 10k
transfer in; the initial rate was 5.71% inc a newbie bonus. It then quickly
reduced to 5.46% & once the bonus expired it dropped down to 3.95%. It’s
now sitting @ 3.7% since BOE…
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Flexible ISA switch funds to standard savings account?
Hi All, I'm fairly new to ISAs and was toying with the following idea; I currently have a non-flexible ISA with a few years allowance built up. Due to my present circumstances, most of my personal tax free allowance is available. I'm thinking that I could move to a flexible ISA, then transfer most of this into a regular…
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Advice on Trading 212
Hi all I am in need of some advise here, my 1 year fixed Isa matured today and I am told is in a very low interest holding account, I obviously don't want to leave it here, so looking on this website I have seen that Trading 212 currently is the leader of the interest rate market, seems great but is it, suffice to say, I…
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ISA Transfer from T212 to Shawbrook
Just wondering if anyone else managed to transfer from t212 to shawbrook, so I filled in the relevant forms and sent them to there email address, got an automated message saying would get a response within 5 working days, and its been 9 days without anything. I contacted them via the phone number and get promised a call…
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£85k FSCS cap - Risk to reward appetite!
I am currently in year 3 of a 5 year fix rate ISA deal with Shawbrook Bank where I’ve been depositing my full £20k allowance each year. I secured the 5.22% deal available at the time (in 2023/2024) which I can take advantage of each new ISA year for the fixed term period. So my question is simply about the £85k FSCS limit…
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ISA Savings account interest - Tax Return declaration required?
I was filling out the tax return, but could not find any option to declare the Interest earned from Cash ISA account? is it not required?
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Any tax due on a dealing account?
Im sure I read somewhere recently, that anyone who’s a higher-rate taxpayer (40%) and earns more than £500 in interest in a savings account is liable for tax under the PSA. Does this only apply to actual savings accounts? Im asking as i am currently maxing out my S&S ISA each year, and am adding to a dealing account where…
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Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025
I notice that there's been a change to the Flexible ISA Regulation (5DDB) dated 15 July 2025. See: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made The main effect of this is to change paragraph (3). From April 2024 this said: "(3) Any replacement subscription may be made only to the account from which the…
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Transfer S&S ISA to more than 1 Cash ISA
I want to get out of the risk game (I've done quite well but have always disliked the risk element.) Current value of my S&S ISA is worth a couple of FSCS covered Cash ISAs so I'm wondering if there's such a thing as a "cash isa deposit platform" or am I thinking of something that doesn't (or doesn't need to) exist?
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Stocks and shares ISA transfer live overseas
Hello everyone I’m new so please forgive me if I make any errors. My child has an old child trust fund in cash and I have a cash ISA returning a very poor rate. Is anyone aware of a stocks and shares ISA that we can transfer to? I have a stocks and share ISA I could maybe transfer mine into but can’t find anywhere for the…
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Top Cash ISAs
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
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Matured Isa and cash Isa
I have a Isa with previous years subscriptions maturing shortly. I have a cash Isa with a different provider for THIS years subscription, and have used all of my 20,000 allowance. My plan was to open a new isa for the transfer in of maturing Isa with the same provider that holds it now. Reading the small print they will…
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ISA With Lifetime ISA "Inside" The Main ISA
Hi, I've read that it's possible to find a platform that offers a Lifetime ISA inside a normal ISA wrapper. If such exists I'd be grateful if someone could point me towards a provider. Alternatively if they don't exist can you let me know please. Thank you Kind regards AiY
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VIDA ISA
I opened a VIDA ISA and initiated a transfer of a past years ISA to them. Unlike ZOPA where I had done the same before and I could see the progress of my request , I cannot see anywhere on VIDA that it has in fact been requested by myself. Has anyone done a transfer to VIDA and if so how could you see the progress? Thanks
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Virgin Money ISA closue
A few years ago, I opened a VM ISA. By the time it was actually set up, the rates had changed and I decided not to move the money. The account has never had a transaction and has a £0 balance. Recently, I tried to pay into it but was told it was no longer available. So I asked for it to be closed. VM’s reply? They can’t…
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Chetwood Bank via Hargreaves Lansdown
Hi - I was thinking about opening the Chetwood 4.32% 1 year fixed term ISA in case rates fall further. I’d be looking to largely fund via a transfer from another ISA. HL seem to say they accept transfers in via their Stocks and Shares ISA - so fiddly, but fine - although in order to open a Cash ISA (to transfer from S&S)…
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Why has T212 only sent 20000 to my new provider?
Just transferred this years contribution to Shawbrook and T212 have only sent 20k without the interest. The interest is still in my T212 account. how do I get that transferred as well? I requested a full transfer.
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Stocks & Shares ISA selling unit trusts, buying ETFs - advice please
I have recently transferred my ISA from a long standing broker to IWeb to reduce my fees, I also want to sell my current portfolio of a dozen unit trusts and purchase fewer ETFs. This will simply my portfolio. I thought I would be able to sell and buy on the same day and therefore not be exposed to potential crash in the…
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Best ISA for a new grandchild
Hi my first post as a newbie. Interested in investment for a new Grandchild via an ISA type of savings account that will be invested in long term savings. Anyone ideas on best options available for a long term investment until little one reaches the age of 18. Any advice welcome thanks
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Flexible ISA transfers
Hi. I have a flexible ISA from last year 23-24 with Paragon (double access). This year's 24-25 is with Zopa (unlimited access). What I planned to do is max out the Zopa one before April. Then in April draw most of the Paragon one out and pay towards mortgage. THEN transfer the Paragon Isa (with say £2k left in it) to the…
