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PLUM Shady Practices
I am new here and stumbled upon PLUM via the MSE ISA report citing Plum as the highest interest rate provider currently. I took the plunge although the app is somewhat confusing and asking staff questions via the app proved a minefield on its own. I seemed to have figured it out in the end and then took the plunge and…
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Cash ISA interest £1000 question
Hello everyone. I really struggled with numbers and anything money related. My question is:- If I earn over £1,000 in interest in my cash ISA, what happens? If I don't get taxed on ISA interest, why is it mentioned? I might go over the £1,000 in interest but not by much. I've slowly saved money in an ISA for years. And it…
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withdrawing some £ from a flexible cash ISA to put it in a flexible stocks and shares ISA
I have a new Chip flexible cash ISA and a Vanguard S&S flexible ISA (from past years.) Going by the above advice, I thought I could put £20K into Chip now, then at some time during the next tax year I could move some of that £20K into my Vanguard S&S (move by myself, not a formal ISA transfer.) I'm aware that…
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Virgin to Zopa ISA Transfer Glitch
This is a glitch that I hit transferring a cash ISA from Virgin (82 sort code) to Zopa. Although I selected "whole balance" it also needed to be given a figure. When the transfer went through, they took the whole balance right enough, but in doing so left the Virgin account still open with zero balance and without taking…
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Cash ISA/Stocks and shares ISA
I have a cash ISA with a bank, can I open a stocks and shares ISA and also another cash ISA with another provider
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Quite a complex ISA scenario with foreign SAYE in play.
Hi. I've been trying to get an answer to a question even my accountant friends are not sure of. To keep it brief and to the point.. I have multiple SAYE schemes with an American Company that all matured in November 2024. I then transferred the SHARES (not the money) from the US appointed holding account to a UK AJ Bell…
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Tax status of interest withdrawn from Cash ISA account
I intend to use the interest earned from my cash ISA as income. Is the amount of interest withdrawn from a Cash ISA account classed as taxable interest (i.e falls within my tax free interest allowance) once withdrawn or can I count it out?
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Stupid LISA question
Apologies for the stupid question. if my daughter opens a LISA today, will she get the bonus before the end of the tax year, or should she just wait? thanks in advance
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ISA and year End
Hi I am a little confused about how cash ISA's. From what I understand each year a person can open up an ISA which then in the first year gives one £20k tax free savings, the second year then £40k and so on. So my question is, if I opened up a cash ISA mid last year, then do I just open up another one this year and how…
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ISA Transfer Question
I am in a fortunate situation whereby I am wanting to build up money in an ISA to avoid paying pax. Currently, I have £20,000 (plus interest) in one ISA which is due to mature on 5th Feb. I also have another ISA account from this year which will mature in the new financial year April 2025. This means that in this financial…
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Closing Junior Cash ISA
My two children have Junior Cash ISA's with Halifax, which were originally set up by their foster carer. When we adopted them we changed their names and address (which was a complete mission, I had to go into branch about 5 times and don't live anywhere near one) anyway a couple years down the line and we don't use it and…
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Virgin ISA transfer out
When transferring out from a Virgin ISA, is it best to select 'Clydesdale bank plc' for sort code beginning 82, even if 'Virgin Money' is also an option on the new ISA provider transfer request online form?
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Virgin Exclusive 1 Year Fixed Cash ISA Issue 14 - adding funds
I opened and funded this account 16/08/24, my spreadsheet says it closed to funding on 27/09. A week ago I misrouted £600 into this account rather than a VM Flexi ISA. Just noticed this and surprised that the money has been credited to the ISA rather than being bounced back. Am I mistaken about being able to fund this ISA…
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Additional personal subscription isas
I can’t find a provider who will accept an APS to open a new isa. Any suggestions
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What ID is needed to set up LISA
which kinds of ID are needed to set up a LISA? My daughter will be 18 soon but doesn’t have a driving license, her “child” passport runs out in May can I still use that in March or does it need at least 6 months on it? If I send off for a provisional driving license would that be accepted? Does anyone know how long it…
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Sustainable stocks & shares ISA
Hi I'm a newbie to stocks and shares ISAs and am overwhelmed by the options. Priorities for me are the investments need to be sustainable, no fossil fuels or other nasties, and needing minimal input from me other than depositing my money. I'm fairly risk adverse so would probably not want to go beyond moderate risk levels.…
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Moving my poorly performing Stocks and Shares ISA to a cash ISA
I have had Stocks and Shares ISA for 9 years with very poor return. I want to move some of it into a higher interest cash ISA. Can I do this directly, without going via my bank? I know there is a form that can be completed. Is this the safest way to do it?
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Increase in value
How much would £145k invested in 2009 have to be worth today to mean that I am in profit ?
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Trading 212 cash isa
Hello all I opened the above in November and funded it with this years £20000 limit. I have just see that new customers are to get a bonus rate of 0.2% effectively raising their rate from my rate of 4.9 to 5.1 After a fairly unproductive chat with their Bot, my question is this. I have a virgin cash isa that matures…
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How is tax calculated on a non ISA share dealing account
hope this question makes sense. I’ve got a S&S ISA that I’ve added the maximum to for the last 3 years, and have saved £20k (it’s currently sat in my normal dealing account, invested in ETF’s) ready to transfer into my ISA this new tax year in April. The dealing account is actually about £26k, built up since last April…
