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ISA’s!!!!
After some help please… I have 2 ISA’s open… a Barclays help to buy opened in 2019 has about £3000 in it. I don’t pay in to it regularly at the moment so it’s only gaining interest. A Zopa easy access ISA - opened a few months ago, if I put £20,000 into this account where does that put me with my allowances? Can I only put…
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ISA transfer, after maturity?
My Santander Cash ISA matures in 2 weeks and they are taking the mick with their 1.25% which drops to 1% in a few months. It annoys me so much I'm transferring out the ISA and will also transfer my current account from them to a more modern bank shortly afterwards. I'm about to use trading212 to start the ISA transfer but…
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Santander Maturing ISA
I had a maturing ISA with Santander .Mature date 1st April.Decided to re invest with Paragon. Set up an account and asked to take the ISA from Santander on maturity. Received a letter from Santander on 19th March to say they had received the request from Paragon for transfer. It is now 8th April and my ISA is still with…
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Overpayment into Cash ISA
HiI have received a small amount £56 as Goodwill Gesture from a bank as I was unhappy with the time it took to complete an ISA transfer.However this money was paid into my Cash ISA account and not into my current account held with the bank.I have already subscribed the maximum £20K into a Cash ISA with a different bank.…
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Easy access Cash ISA - withdrawing and returning cash
Pretty sure I already know the answer to this but if someone could confirm that would be great. I have put £20k into my easy access Cash ISA this tax year, i.e. the full allowance. If I want to say withdraw £8k, but then return this £8k after this current tax year ends, i.e. 6th April 2025 or later, I can do this but my…
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IWeb - Why aren't they on the MSE top SSISA list?
You can invest (in one lump) 20k into a single fund for only £5. From my 2mins of research there are only two providers who can beat that T212 and IE. Am I missing something?
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Having both a stocks & shares ISA AND a cash ISA?
I've currently got about £35k in a cash ISA. Next year I should be able to max out the £20k ISA allowance and I'm thinking about opening a S&S ISA. So... Can I open BOTH a S&S ISA and a cash ISA in the 25/26 year? Can I transfer the full existing £35k (plus the 24/25 interest) into a S&S ISA? Can I "split" the transfer?…
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Cash ISA - What's your thoughts?
Hi Guys, I'm fairly new to the ISA scene, and I hope to get more of an insight through this open topic, and a couple of questions I have. Maybe you more experienced people can give me a heads-up upon certain basic rules or guidelines that I should be aware of. Forgive my ignorance or naivety regarding any questions I might…
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Can you open up multiple inheritance ISAs with multiple banks
Hi, I'm trying to help my Dad sort out my late Mum's estate. She had multiple cash ISAs with multiple banks, and we want to get all of those transferred over to my Dad. Each bank she has account with with offer a way to open up an inheritance ISA and get the money transferred over. However, after speaking with at least one…
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Trading212 cash ISA transfer problem
I wish to transfer a Principality Building Society cash ISA to my Trading 212 Cash ISA. However Principlality is not on their list of providers. How do I get round this?
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Nationwide Fixed Rate Cash Isa maturity instuction doesnt work
I received a letter from nationwide re my FR cash isa maturing soon. It gave instructions for maturity: 1. Use the maturity option next to the account when loged in online. There is no menu option in my account!! 2. Go to nationwide.co.uk/frisa1 and open a new account and transfer in maturing account When I tried this,…
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Coventary ISA Transfer
I have a 5 year ISA with Coventry at a poor rate of 1.75%. It has 2 year left to run. Can I transfer it to another Coventary ISA at ~4% or is it easier to transfer it to another provider? I'm assuming I will loose 90 days interest, but can't find the original T&C's to confirm exactly
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Paying into a HTB ISA and cash ISA
My daughter has a Help to Buy ISA which currently stands at £14,000 and is paying 4.7% with Yorkshire BS. She is aware that she only needs to hold £12,000 to get the benefits when she buys a house. We were wondering if now the rules have changed regarding paying into ISA`s if she would be able to put £17,000 into a cash…
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Trading 212 - call response read Trustpilot
On recommendation from here I set about opening a new account - for a transfer in Cash ISA - few steps but done 👍👍 Tried to transfer in from Cooperative bank - no go - it isn't listed. Wrote on their contact us form - 24 hours later - no response. Gave a one star on Trust Pilot explaining the issue. Within 10 minutes - I…
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ISA transfer and opening
I have a fixed rate cash isa with kent reliance and I have paid into it this tax year £19k. It is due to mature in December. I’m aware that the new rules with Isas suggest you can open multiple cash isas in a tax year, provided you stay within the limit of funding. Kent reliance is a company who don’t allow you to pay into…
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Chip flexible isa
Hi everyone. I have a Chip flexible isa which I opened last year. I had £17000 in it from the last tax year. I have recently opened a Trading 212 flexible isa this year. I plan to withdraw the most of the funds from the Chip isa and deposit them in the 212 isa, manually not through isa transfer. Obviously because 212 has…
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Query re: when a fixed term ISA (opened and matured in different tax years) counts
Hi all, I opened a 1 year fixed cash ISA in Sept 23 (23/24 tax year) depositing the full £20k allowance at account opening. It matured in Sept 24 (24/25 tax year) with £1,500 interest and the ISA account had to be closed. I gave instructions to transfer the full amount (£21,150) to a new cash ISA with the same bank. Sorry…
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Partial ISA transfers when ISA is combination of current and previous years?
Can anyone advise...my partner has a Bank of Scotland ISA that matured yesterday to a 1.35 ISA Saver. I encouraged him to open several new ISAs to transfer this to, so earlier this week helped him open a Zopa 4.8% (4.5% from 22/11) and Paragon Double Access 4.87%. Background - both of us were financially fairly clueless…
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Cash ISA maturing-above FSCS limit
I have a cash ISA with Secure Trust Bank maturing in November 2024 and the balance plus interest will exceed the FSCS limit of £85000. I had the same issue with them last year but decided to re-invest as the rate was better than I could find elsewhere. I have e-mailed to check but they seem to want you to invest the full…
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S&S ISA - overthinking, help!
So, I want to open a stocks & shares ISA but I'm someone who very much overthinks things, so combining that with my lack of experience here means I keep backing out of investing at the last minute. Here are my issues: 1. I want to invest at a sufficient risk level to make it worthwhile, but I am nervous about risk. I'm the…
