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ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

New ISA - to fix or not?
Despite having two full one year fixed ISAs for the past couple of years I still find all the small print surrounding them a tad confusing. I'm currently knocking on the door of paying tax so want to try my best to avoid this. I'm a 63 year old married early retiree in receipt of carer's allowance and income from interest…
Trading212 cash ISA - newbie bonus?
Hello folks After reading the recent MSE article here about ISAs, I immediately opened a new Cash ISA with Trading 212 as it seems to have the best rates currently - 5.04%, including 0.54% new customer bonus. I've opened the account and deposited some money, but the interest rate shown is just the standard 4.50% - lacking…
Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
Trading 212 Cash ISA - Rate Reducing
Received an email from Trading 212 Reduction in GBP Cash ISA interest We're adjusting our base interest rate for GBP (Pound Sterling), effective as of 1 May 2025. Your rates will be as follows: - Trading 212 Cash ISA: From 4.5% to 4.35% variable - Trading 212 Stocks ISA, Invest and CFD: 4.6% (no change)
ISA transfer Deadlines
I have an old ISA that matures on 30/5/2025. I'd like to open another ISA this year and transfer the old on to it. The new ISA condition is that I instruct them to transfer the old ISA within 14 days which I am happy to do. My question that neither the old nor the new bank can answer is; If I was to open new ISA today…
Fixed rate ISA tax implications on maturity
Hi, I would like to open a cash ISA to use my £20,000 allowance and, given the speculation that interest rates are likely to be cut, it seems sensible to opt for a fixed rate account. However, I'm mindful that there is also speculation the ISA allowance may be reduced significantly by the Chancellor at some stage. I would…
Does Gatehouse accept a £1 test deposit?
I recently opened a isa with Gatehouse my first with this bank. The minimum deposit is £1000 so would they accept a test deposit or decline it?
Withdraw from flexible ISA & pay into new 25/26 ISA vs Transfer
Daughter recently turned 18 and I helped her to transfer her Coventry JISA to a Coventry 6 access ISA paying 3.90%. Her balance is just over £20k. This ISA is a Flexible ISA. She also recently opened a Saffron Online easy access ISA paying 4.4% and has so far paid in £25. Just incase Rachel Reeves reduces the £20k cash Isa…
Just noticed something on my previous year ISA, opinions needed please
24/25 tax year had YBS EASY ACCESS ONLINE ISA REWARD. Had to withdraw 2k from on 9th of April. Now on YBS online I see 'You can still add £22,000.00 into your ISA this tax year.' - instead of the usual 20K reminder. Please could someone confirm my understanding that I won't be in breach of the ISA rules if in the 25/26…
PLUM doesn't offer bank statements?
I need to provide proof of funds to a solicitor as I'm buying a house, but I can't get a bank statement from PLUM. It says: "For the time being the statements for your Cash ISA are not available. Our team is working on that to make them available as soon as possible." Meanwhile my solicitors wont accept a screenshot...…
confused ISA maturing and wanted interest then re invest
I had a chat with Building Society y.day to reivest my cash isa for another 2 years and asked for the interest to be put in my easy access saving acc I have with them. ( this was set up years back for the purpose of placing interest from past maturing Isa ) I was told I could not do this as my maturing isa is above £20,000…
Moneybox---How Do I Take Out New 25/26 Cash ISA
I opened a new Moneybox 'open access cash isa' yesterday and completed details for my previous years cash isa with Chip to be transferred to them. Less than 24 hours later it's all done and money is with Moneybox--impressive. My question is, I have not taken out a 25/26 cash isa yet and I would like to do it with Moneybox…
Just put 20k I to Tembo, already have T212, can I move T212?
I want to move T212 to moneybox cos T212 reducing rate, but already have 20k added just last week to Tembo. Can I move my T212 to moneybox?
UBL Cash ISA Void like the plague
On the face of it the interest rates offered by UBL look attractive but that soon fades when you try opening an account & becomes even worse when you speak to a member o their customer service team. Consistency is something that businesses strive for. Well someone needs to tell UBL that being consistently rude &…
some advise on where to put my maturing ISA with over 85K
I have a few previous ISA account and a main one which has over 85K I am considering the following - Plum easy Access ISA 5.6% up to 85K Tembo easy access ISA 4.8% rest (I see they have halted transfers at the moment) None of this includes this years money, 1. I was thinking of putting this years money is a second Plum…
Isa Newbie
Hi, I am looking at opening an ISA which is around 3.89% for a year. I'm confused though as the bank states that the last payment to make for the 2024/2025 tax year is 05/04/2025 and the last payment I can make for the 2025/2026 tax year is 09/05/2025. What happens if I open it and make my deposit before the end of the…
Do You Have The Resources To Invest 20,000 Per Year Into An ISA?
With the possibility of the chancellors roll back of the £20,000 p.a ISA allowance, It crossed my mind that this would affect only a tiny fraction of the working population of the UK. So what could she gain by doing this and isnt it an insulting irrelevance to the vast majoirty of Nritish people who at best are living pay…
Close ISA within cooling-off period by ISA transfer?
Last week, probably rushing a little I opened two ISAs - one with Close brothers and one with Gatehouse requesting ISA transfer from Virgin Money. I see that Cynergy now offers considerably better rates so I would like to move the funds to Cynergy as both accounts are still within 14 day cooling off period. How do I do…
Wesleyan with profits ISA losing money
Hello everyone. I'm looking for some advice regarding my Wesleyan stocks and shares ISA. I opened it 5 years ago together with a separate small pension. Both the ISA and the pension lost a lot of money during the pandemic. At the time, I was advised by a financial advisor working for Wesleyan to leave them alone for at…
ISA left with negative balance after transfer
I transferred my Cash ISA from HSBC to Halifax, which was completed today. Now my old HSBC ISA is showing a debit of -£25.66, which is apparently Halifax's fault for transferring a higher amount (I had set the transfer for the full balance). HSBC expect me to transfer £25.66 from my current account to cover the debit but…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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ISAs & tax-free savings

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