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Harpenden BS ISA
I'm looking into opening single access cash ISA 4.31% with Harpenden and looking for information/advice on the following: 1. Transfers in (method and speed) 2. Transfers out (any obstacles?) 3. When was the last rate change? (just wandering whether to expect it to decrease very soon or it is likely to stay until next BoE…
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Trading212 - am i missing something
I opened a SS ISA a month ago and the monies went straight into the Investment, I have subsequently made a top up and that is being held as Cash. How do I transfer this to the Investment ?
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ISA Transfer Issue
I’m having issues with an ISA transfer. I have an ISA with provider A which is £20050. I initiate a transfer to provider B via provider B’s own transfer form. After a few days I see that only £50 has appeared in the new provider B account. Checking my provider A account I see the £50 has gone as a faster payment and not a…
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Blocked Transfer of Junior Cash ISAs - Halifax to Coventry
Hi All, I have finally got around to finding a better ISA rate for my two daughters JISAs. I've opened a new account for each of them with the Coventry Building Society. As part of the application process I've supplied the information for the girls' current JISAs with the Halifax. All seemed to be fine but I then received…
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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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Working holiday abroad and income/savings
Any advice, please? My daughter (aged 20) is in her final year of uni. Her income last tax year was £750ish...so well below tax threshold. Next summer 2026 she hopes to do a working holiday in Canada. What are the income tax implications/what does she need to do AND she has about £21,000 in an ISA saved by yours truly.…
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Withdrawing profit
2025-26 is the first time that I've held a stocks and shares ISA. Since April it's produced £2300 profit. Am I able to withdraw this, or do I have to wait to the end of the current tax year?
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Cash ISA is 'orphaned' - what happens next?
We wanted to move my wife's cash ISA from CMC to Cynergy, but Cynergy do not recognise CMC so we had to transfer the CMC ISA via another route (her Virgin Money ISA). Plan: CMC > Virgin. Then Virgin (inc CMC) > Cynergy. I requested the transfer of the CMC ISA to Virgin and should have waited for it to complete before…
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Keeping track of isa allowance
Now that you can have multiple accounts for isa savings & some are replaceable funds and with rates changing & transfers it seems inevitable people will make mistakes and inadvertently exceed the £20k Will HMRC track it and inform you ? What actions will they take ? For myself I’m below my personal allowance so not paying…
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Private Medical Treatment
Afternoon All I have a Vat enquiry on claiming the vat on private medical treatment. Recently I had stem cell treatment in my knee through a private clinic. it was mentioned that I may be able to claim back the vat on the private medical treatment. I have searched the HMRC/VAT government website but cannot determine if the…
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Inheritance Tax
Morning I have investments in an ISA which are climbing steadily. By 2026 I expect the value in my ISA will be £1m As a family of 3 with wife and disabled daughter who lives with us i want to make sure I buy a house with the money or ideally take out a mortgage securing it against the ISA which I still expect to keep…
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Barclays ISA transfer cashback
Can anyone see anything in this offer which requires the balance to be kept in the account for any length of time? Barclay's rates are rubbish, but if a transfer in can be followed by a near immediate flexible withdrawal out to a better paying instant access account then £100 back for transferring £25k might be worthwhile…
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Virgin ISA, where can I find it?
Hi there, I would so appreciate if someone could tell me where I can actually see, either on the website or app, the cash ISA I opened with Virgin Money. I find their website very confusing. I know a message came up somewhere about ISAs not always being automatically shown beside other accounts, so I followed the…
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Opening new Vanquis ISA
I want to open a new 1 year fixed rate ISA with Vanquis solely for the purpose of transferring a maturing ISA from another provider. I have also funded another ISA this year. The first question in the application is "Have you already opened an ISA in this tax year?". Truthfully answering "yes" to this brings up the…
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Transferring to Hargreaves Lansdown, experiences sought.
Based on previous experiences, this could be quite a long post but without going into all the details of why I strongly hesitate to transfer anything to HL, I would like to ask if anyone has gone through the process of transferring a cash ISA to HL. As it stands, it can be started on their portal but partial transfers…
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Renewing a maturing ISA
I'm hoping someone can help with a query about a Fixed Rate Cash ISA I have with UBL Bank that is due to mature in early October. I have already used my 2025/26 £20,000 tax free ISA allowance in June on an ISA with a different bank. So, with regards to my UBL ISA - if I choose to renew it and opt for another fixed rate ISA…
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Sharesave Scheme CGT
Hi, looking for advice on the following: I have a sharesave investement which is maturing December and I will be transferring shares to a stocks and shares ISA and need to know if I need to keep the ISA for 12 months or until the new financial year [2026] and will I have to pay capital gains tax on any profit from the…
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Maturing Skipton ISA
As it’s not my ISA, I’m wondering about the best way to go about securing the external transfer the ISA holder wants to hopefully avoid any hassle. Skipton seem to have come up a few times recently on the savings board for not paying the correct interest so although they say money can be moved from the default re-fix…
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Stocks and shares ISA transfer
I have been asked to help a family member with possible transfer of an existing stocks and shares ISA. For accounts with a value of say £25k-£50k where there will probably be a maximum of (say) 5 OEIC (unit trust) holdings, all accumulation units, very little switching, a small monthly DDR, which platform would you suggest…
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Coventry Building Society - Junior Cash ISA as child approaches 18yr
Coventry Building Society Junior Cash ISA as child approaches 18yr I wanted to highlight an issue we are currently experiencing with Coventry Building Society, to hopefully save someone else the same headache, and see if anyone can offer guidance. Our children both had CTFs, that we moved into Junior Cash ISAs with…
