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NS&I vs Santander - Why can’t they transfer an ISA?
My sons ISA is in NS&I, he wants to transfer for a higher interest rate so he filled in their paper form and sent it off. Then he opened a Santander ISA in app and started the transfer process. Then Santander sent a letter which arrived 14 days after it was sent! (Royal Mail issues) saying the cheque hadn’t arrived, then…
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Santander Fixed ISA eVoucher offer
It looks like there are a few here who are familiar with the current deal. I have a hypothetical question about it. I know Santander run these kinds of offers regularly. Does anyone know roughly how long they run before they're pulled? Perhaps all of April for example, to entice a large ISA instake? Or perhaps just a…
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Cash ISA with instant withdrawal
Just got an email from Chip to say they are slashing their Cash ISA rate to 1.02% next month. Obviously I need to transfer it somewhere else PDQ! The reason I stuck with it is because they offer instant withdrawals to a nominated bank account which is important for me, as well as it being a Flexible ISA. I think that rules…
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HSBC issues with transferring in ISA
I have opened the new HSBC Fixed Rate Cash ISA and asked to transfer in my Nationwide Cash ISA. For some unknown reason, HSBC haven't been able to transfer this yet and don't know why. I pointed out the 15-day window has passed and complained. Please note that Nationwide confirmed they did receive the transfer request but…
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New ISA rules - hypothetical scenario for S&S ISA
I was recently told in an email from Vanguard that, as part of the new ISA rules, from April 2027 'Transfers from a stocks and shares ISA to a cash ISA will no longer be allowed'. Imagine that I have money in S&S ISA, however I am worried about a potential global crash (e.g. AI bubble pop or similar) and want to move my…
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NatWest Banking and ISAs Automation Shambles
Having saved under the ISA umbrella for many years, I've become accustomed to the various processes and hiccups within providers Apps and online banking platforms. However, nothing has quite prepared me for the shambles that is Nat West. I had a simple Nat West fixed rate ISA that recently matured. They gave me notice that…
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HSBC ISA transfer unacceptable service
I transferred my ISA to HSBC 9 weeks ago. The money has left my previous account but has never arrived in my HSBC ISA. Despite multiple emails, phone calls and a formal complaint letter, I have had no proper response. The only explanation I receive is that they are “too busy” dealing with ISA transfer requests and have no…
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Stocks and shares ISA?
I've been a regular cash ISA saver for years but I'm thinking of trying a stocks and shares ISA. Is there such a thing as a good time to open? I have an account at Trading 212 so may go with them.
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mse wrong rates
im looking at the best cash isa on the mse page its showing as lloyds best fixed rate 2 years 4.65% but when you go on the lloyds site its saying 4.2% can the mods look into this please
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Update HMRC estimate for interest on savings
Hi - If I update the 'Add missing income or tax details' on my HMRC account to show my interest on savings is less than what they say for 26/27, does this put my figure in as being the total due for the year? It's just that the word 'add' made me think it might add this to the existing total. Probably overthinking this but…
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ISA transfer from Virgin Money to another provider
Good morning I have requested a transfer of my Virgin Money ISA to another ISA provider on two separate occasions and each time it has been rejected. I have called them but not getting anywhere. Initially they claimed nothing received but when I escalated this to a complaint, they said incorrect information was supplied…
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Transferring cash from S&S ISA to Cash ISA after 2027
Hi I would appreciate some advice on this, which I saw on MSE: "From April 2027, under-65s won't be able to transfer money from non-cash ISAs to cash ISAs. However, you WILL still be able to do the reverse – moving money from cash ISAs into non-cash ISAs. This transfer restriction will be lifted from the start of the tax…
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scottish widows stocks and shares isa
i have a stocks and shares isa that i have held for almost 30 years with approx. 18k in it, i stopped putting money into it around 2008 when the stock markets crashed, so its just been building on whats been invested since 2008.So will i have to close it before this 22% tax hike is brought in if i want to avoid paying any…
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Martin Lewis gives 10-point summary as more info on Lifetime ISA replacement plans revealed
Further details on plans to launch a First-Time Buyer ISA (FTB ISA) have been published by the Government today (23 June 2026). The key for existing Lifetime ISA (LISA) holders – the current savings vehicle for first-time buyers – is that your LISA will continue as is, even if, and when, its replacement starts.…
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LISAs - Is my logic correct?
Not first time buyer so this is only about the using at 60 option. I've got £1 in it. I've been looking through the details and see that you can only deposit up to 50 years old and only draw from 60 years old. So invest £4000 in my 50th year and draw with 25% bonus 10 years later. WIth compounding that equates to around…
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Intelligent Finance have my money but how can i get it?
Many years ago i had a current account and an ISA with Intelligent Finance. The current account has been closed for years but the ISA worth around 12k was still with them. I wanted to take the money out but I saw on MSE today that IF no longer exist and according to this site, if you had an ISA they would have sent you a…
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Cash ISA - Interest 'paid away' loses tax free status?
The West Brom Building Soc offers a fixed rate cash ISA @ 4.56% until Nov 27. I would like to take the monthly interest earned, on the deposit/capital, and have it paid into my current account with a high st bank to help with monthly expenses. The T&Cs say that 'paying away' the interest means it will lose its tax free…
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Chip financial Cash ISA move to another provider
I am looking to move the cash ISA from Chip to Trading 212. It's asking for account number and sort code but no where to be seen on Chip app. Tried the step to deposit with manual transfer option, but only digital banking shows.
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New SPRING Easy Access ISA to be launched 26th June?
From an email received from Spring I understand that this will be launched tomorrow. No idea of rate though.
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22% tax on interest from S&S ISAs from 2027, and limit on money market funds
To prevent circumvention of the lower Cash ISA limit, the rules will introduce a 22% charge on interest paid on cash holdings held in Stocks & Shares and Innovative Finance ISAs (non Cash ISAs), prevent transfers from non Cash ISAs into Cash ISAs for the under 65s, and prevent holding 100% Money Market Funds in non…
