-
Break between Cash ISA Subscriptions form
HiI am transferring my previous Cash ISA, I am being asked to complete a "Break between Cash ISA Subscriptions" form.The reason being though I am investing in a fixed 1 year term, I also hold a linked Cash ISA account (variable rate instant access) that I opened long time back, and since I have not invested with the bank…
-
Regular Savings account to Cash ISA
I have funds in an ordinary savings account which is now attracting yearly interest payments in excess of £1000. I need to transfer this account to a Cash ISA so I'm not paying tax on the interest over my PSA limit. But is there an efficient way of doing this in one go, or am I limited to withdrawing/transferring £20k at a…
-
Child Trust Fund due to mature
Hi, my son is turning 18 in October and we received the £250 trust fund money that we have been adding to each month since he was born. He'd like to put a large chunk of what the fund is worth in a savings or ISA type account (would be approx £7k), does anyone know of any good options for this?
-
Castle Trust Verification Code
Trying to apply for a FR 1yr ISA online. Have tried several times to fill out the application which is fine but verification code they are meant to send doesn't arrive for simply ages and the application has by then timed out. Anyone else having this problem?
-
Paragon Defined Access ISA vs Fixed Rate ISA why the higher rate?
Can anyone explain why the Defined Access ISA's have a higher rate than a fixed rate one? Is it simply that they hope people will fall into the trap of making more than a couple of withdrawals? Obviously the rate difference isn't much but you'd assume a fixed rate would be higher. Thanks
-
Small time players with higher rates - any good?
Hi, I'm in need of changing my ISA to improve on my interest rate. Are smaller players like Chip and Plum any good or am I letting myself in for a world of pain? Of the bigger players, I've had negative experience with Virgin before, so would only leave Leeds BS, but 0.5% lower than Chip. Feedback welcome (google isn't…
-
+Paragon Bank ISA
Hi , I am new to the Forum so forgive my inexperience here . I recently discovered that Paragon , without my knowledge or instigation , moved ISA funds into a non ISA account . Paragon deny they instigated the move and the matter is now with the Financial Ombudsman . Has anyone heard of or had a similar experience ? It…
-
Money to Flexible Cash Isa withdraw and Credit Shares ISA
If you hold a Flexible Cash Isa can you pay in say the full £20k allowance then withdraw later in same tax year and use this £20k to credit a Stocks and Shares ISA. So effectively using the £20k allowance twice but with the same £20k?
-
Questioning my ISA actions
I subscribed 20k to Trading 212 S&S ISA shortly after 6 April 2024, when Trading 212 introduced the Cash ISA around June i moved the S&S ISA balance to the Cash ISALater i moved 10k from the 212 Cash ISA back to the 212 S&S ISA and invested in an ETF Now if i wish to transfer (using ISA transfer process) the ISA's to other…
-
What is more tax efficient, Cash ISAs or S&S ISAs?
I hope someone can help me better understand this. Conscious that the annual 20K limit applies to the sum of money contributed to cash and S&S ISAs together, and being in the lucky position of having the 20K available, I have been wondering for a while whether to stick to just having Cash ISAs, or whether I should allocate…
-
accidentally maxed out my ISA for a couple of hours forgetting I need to allow for LISA, consequence
I accidentally maxed out my current years ISA for a couple of hours forgetting I need to allow for LISA. I then realised my mistake and withdrew 4k from the ISA. Will that affect my LISA? This all happened intra day, so I am hoping reporting is done at the end of the day and there wont be any issues. My ISA and LISA are…
-
ISA - how many days before maturity can I set up transfer?
I seem to remember it's 56 days, but struggling to find this info online. For context, I have a Virgin ISA that matures on 14 Sept (50 days from now). I want to open a new Virgin ISA to transfer the money across after 14 Sept. Can I open the new ISA now, with transfer date set 50 days in the future, or not? Many thanks
-
Can a 16 year old pay into their own Junior ISA?
My 16 year old has a job and is getting a part time wage. Can she pay into her own Junior ISA? I mean I guess there are ways around this such as moving money to my account then paying into the ISA, but legally can a 16 year old pay into their own does anyone know?
-
Paying in more than £20k into an ISA - Bad idea?
So i've paid £20k into an ISA already this year. The rate on the ISA is roughly the same as current savings accounts. Would it be a bad idea to pay another £10k into that ISA? Any downsides vs paying it into a savings account?
-
Best ISA options via transfer for a non-uk resident
Hello, I have some existing ISA accounts. I know that I am permitted to transfer these ISA products to new providers. What are the best options available for a non-uk resident? many thanks, Daniel
-
Maxed Cash ISA, next option?
I currently have the full amount for the year in a cash ISA, I have the full amount in Premium Bonds and I am now at my limit of £500 a year interest in savings. What is my option for remaining savings that would be the most tax efficient so that I am not getting taxed on my regular savings above £500?
-
Single Company ISA to Cash ISA.
I am 73 and have Lloyds Bank shares as a Single Company ISA and ordinary shares (retired employee). Total of about £22k. Dividends are re-invested. The ordinary shares are held solely by myself and OH and the dividends reinvested don’t exceed the personal allowance for dividends. I am considering transferring the Single…
-
Shawbrook ISA - Maturity options?
Hi all, I have a Shawbrook Isa maturing on 31/08. and was wondering if anyone with more experience of Shawbrook knows how far in advance of the maturity date are you sent your maturity options. Thanks
-
ISA Options
Hi Everyone, I am looking for some guidance, I have currently two fixed rate ISA's. One I took out this year in early April, so this years 20K has been used to the full. However I have a second fixed rate ISA maturing in August, so I am trying to work out if I need to wait until next (2025) April to take out a new ISA as…
-
Two isas flexible and non flexible rules
Hi I have a stocks and shares flexible isa with eqi and i had £20,000 worth of shares which i sold and then i transferred the money i had there back to my bank (they where added via bed and isa), i have two question which are below 1-Can i add more/transfer (another bed and isa) shares which are sitting in my regular share…
