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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.

Transfer of ISA
Hello I hope someone can answer my query and I hope i'm not too confusing. I have an ISA that has just matured with Virgin Money and it is sitting in their low interest E Access ISA Issue 2 account whilst I decide what to do with it. What I want help with is the amount is above the FSCS by about £50k not counting this…
Paragon Double Access Cash ISA Issue 4, 4.95% variable
I have received an e-mail from Paragon about this. Looks good if you want the following: * 4.95% variable annual interest (gross AER) for 0, 1 or 2 withdrawals per year (year is calculated from the day you open the account) * 1.50% variable annual interest (gross AER) for 3 or more withdrawals per year calculated as above…
LISA with Private Mortgage
Does anyone know if a PRIVATE MORTGAGE would meet the criteria for a LISA? My daughter is looking to buy her first property. She has a good deposit saved in a LISA plus some additional savings. She meets all the LISA criteria - one of these is that she must buy with a mortgage. The property she wants to buy is a good deal…
Maturing Stocks & Share Mortgage ISA Legal & General (ReAssure) Help
Hi I am new to this so sorry in advance. The wife and I took out a flexible mortgage (FM)ISA Stocks & Shares some 20 odd years ago to pay off the mortgage loan this was with a Legal & General product package. It was initially held by the life insurance company its now almost at maturity where my wife and myself can cash in…
Cash ISA maturing
I have a cash ISA due to mature in a few weeks time (that I deposited the max 20k in last year) and I am planning on opening another ISA when this matures and depositing another 20k in. This will mean that the new ISA will have around 41k in (including the interest I got from this year). My question is… With the new ISA,…
Virgin Money delay in distribution/dividend payment
Is anyone else experiencing a delay with Virgin Money Stocks and Shares ISA paying the twice yearly dividend/distribution payment. There was one due on 15th May which I haven't received. Is anyone aware of any delays/problems with this since the new investment platform started in the New Year? And if so when/how they might…
ISA Advice
I currently have 3k in a Chip ISA. I have 17k on notice from Oxbury due in my nominated account 19th Aug and was going to max the 20k limit in Chip. Now they have reduced the rates not sure what is the best option now. Can I open a Trading212 ISA and transfer the 3k in then top it up with the 17k. Or are also likely to…
CHIP Cash ISA transfers are here
Seems that Chip are now doing transfers in to their Cash ISA. 5.10% AER variable. App based.
Multiple ISA’s
As long as I stay within my 20k limit for this tax year, can I open a Virgin cash isa and a Kent Reliance cash isa and pay into my S&S isa with iweb.
DECREASE IN INTEREST RATE
I opened a online Shawbrook bank 1yr fixed cash isa the other day (issue 102) with an interest rate shown as 4.96%. I transferred an easy access cash isa to them but it hasn't gone through yet so my online Shawbrooks account is still showing nil balance. The interest rate shown is also shown as 0% and not the 4.96% as…
Should I cash NS&I ?
I have a 5 year bond value £23,491.37 which is due to mature 17.08.26. I am considering cashing this to take advantage of higher rates currently available. Any advice? o:)
Maturing ISA query
Hi I've currently got 2 Cash ISAs - a one year fixed rate one with Virgin Money which matures on the 24th August and an easy access one with Post Office which I opened in the middle of April and have been paying into each month. When my Virgin ISA matures and I transfer in to another provider, can I add funds in the first…
Natwest Fixed rate ISA Annual 2023
Hi there, I opened a Fixed Rate ISA Annual 4th August 2023, interest rate 5.7%. Interest paid 28th March 2024. I had expected the remaining interest to be paid by now, but hasn't, and the interest rate on the app is still showing as 5.7% which I'd expected to have dropped. Can anyone enlighten me??
Confirm understanding of flexible cash isa rules
I just want someone to confirm if i am right or wrong with my thinking on how having multiple flexible cash isas works. So setup infoMarch 2024, open Chip flexible isa, deposit 6k, on 6th april 2004, balance was 6k +£14.72 interest. Apr 7th 2024, open zopa flexible cash isa, deposited £4k So for chip, i've withdrawn money…
Issues with Plum
I just wanted to post this for info for anyone considering a Plum Cash ISA. I'm new to ISAs, opening my first late last year, and my second this year. I wanted something that pays interest monthly as I may need to take that money out short notice (house hunting) and opted for the MSE recommended Plum Cash ISA with a 5.17%…
Chip ISA transfer-in problem
Hi, I have a Chip cash ISA and have been trying to put in a transfer request via their app to move in in money from another ISA of mine that’s recently matured, but I keep getting the following error message - “A 400 error was returned for this endpoint.” I have emailed the Chip support team about this but there’s been no…
Feedback on Trading 212
I'm considering "Bed and ISA" for some US Shares I own. I am comparing the total cost for £20k over 4 years as an example - monthly fees, trade cost, FX fees - and Trading 212 seems to be way cheaper than anyone else (£30 compared with £298 -£543, and more). Feels like a red flag, but searching the forum the comments seem…
Shawbrook Bank Maturing Fixed ISA Options
Just a quick query for those with a Shawbrook Bank Fixed ISA that has matured in the past/recently and who are using the new "improved" online interface. By way of a quick background, my Fixed ISA matures within 30 days and I noticed on the Shawbrook online interface that I now have a link underneath my account stating…
Trading 212 ISA
Hi, I am looking at trading 212 ISA with 5.2%. I assume this is variable and can be changed at any time? Assuming they get SONIA rate, this has now dropped from 5.2% to 4.95% as of 01.08 Is it likely that they drop the rate? Dont want to bother in transferring over if so as I have fixed 5% till end of this year... Any…
Isa transfer due in September.
Hello. I've currently have a 1 year fixed ISA 5.45%, which is due to mature in late Sep. I was looking at virgin money 1 year fixed at 5.05%. Do you think it's a good deal, or maybe should l go for a 2 year fix instead? Any recommendations on the provider would be helpful.

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MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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ISAs & tax-free savings

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