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Intoa ISA
I am ALL cash (no ISA). Re budget. I s anyone banking on going into an ISA hoping that 'past' ones will not be touched? If I get one now, there is nointerest to be touched and ifeasy access, can find somewhere else to stick it (hopefully!)
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Transferring Cash ISA with both previous year and current year deposits
I want to transfer a cash ISA as the interest rate is dropping next month. The issue is it has both previous year (8K) and current year (2K) contributions, does the new provider get a breakdown of previous / current year when I transfer so it doesn't affect my current year allowance. I don't want them to mark 10K againest…
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212 isa
I have open a 212 everyday isa. I have been using it just like my bank saving account just allowing 3 days for money to be transferred. At present I'm really pleased with the way it's working. My question is I have a Lloyd's isa that will mature on 7th December. Is it a wise idea to switch this isa to my 212 isa account?…
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Transferring from Aldermore to Trading 212
Hi, I have a 30 day notice ISA with Aldermore opened in tax year 23/24. I am looking to transfer it to Trading 212 which is where I have this tax years ISA .When I go into Trading 212 to request transferring in Aldermore it's not listed but when I type in their name it says Aldermore.Plc (Post only) When I click on it, it…
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Fractional shares now allowed in ISAs
From Nov 4 2024, fractional shares will officially be allowed in S&S ISAs and Junior ISAs (and CTFs). Fractional shares held before this date in these tax wrappers are included in the permission. These fractionals cannot be transferred, however, so you might have to sell them if you want to transfer to another provider.…
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To Fix or Stay Easy Access
Hi All With interest rates set to reduce over the foreseeable, what are your plans for any current ISA Renewals. Easy Access - 4.8%-5.1% Current rates but could reduce. Fixed 1 year - 4.4%-4.61% fixed rate for 12 months. My current plan would be to gamble that the easy access rates come down at a slower rate or not at all…
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Can I add next year to a fixed ISA?
Hi, I’ve come in to some money and looking at the first time at ISAs. I’ll be able to add £20k each tax year for the next few years. Which do you think is a better option, put this years £20k in a 1 year fixed, then open a new account each tax year or, open a flexible ISA and add £20k to the same account each year? Any…
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Maturing ISA - partial transfers
I'm an ISA newbie, as I never had one until I inherited a reasonable sum a year ago (I could not afford to save before that), so I've learnt a LOT from these forums about ISAs and savings in general, so thank you! So...I have a Co-op Fixed ISA £20k 5.59% which matures next month and goes into a Co-op instant access ISA at…
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Lifetime ISAs
Before I turned 40, I opened a Lifetime ISA (LISA) with £1. I have £8000 in a savings account. At some point in the next five years, I want to buy a house. Am I right in thinking that I can only pay £4000 a year into a LISA and the bonus is added that month? So I pay in £4000 today and it'll become £5000 in the next few…
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Multi Deposit ISA
Does an ISA exist, where you can open now with a deposit and top it up monthly. Then put a final amount in March 25.
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Maturing ISA funds query
I have a 1 Year Fixed Rate Cash ISA which matures in November
2024. It holds funds from previous
maturing account elsewhere (2021 – 22) and monies from 2022-23. I also have two ISAs for 2023- 24 and 2024 – 25
with differing organisations. Am I allowed to re-invest the maturing funds into the same organisation
without…
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Switching between types of ISA, LISA and between providers
Good morning! I joined MSE forum recently and have learned much about pension; really appreciate people's help. I also realise that I don't do anything with S&S (stocks and shares) yet. Since finishing sorting out other money matters, I have only put in 2 years' ISAs, both cash, which I merged together in November 2023 to…
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Coventry Four Access ISA (Online) (2) @ 4.80% AER
Coventry Building Society launch Four Access ISA (Online) (2) @ 4.80% AER variable. - Online only - 4 withdrawals/transfers a year including internal transfers - Accepts current/previous year(s) ISA subscriptions - Charge equal to 50 days interest on withdrawal amount from the 5th withdrawal. - Limited issue
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Transfer in to Tesco 1 year fix
I'm thinking of opening the Tesco 1 year fix with initial funding from other savings. I have a Santander fix that matures on 1st May that I'd like to transfer in to Tesco at that point, but one of the Tesco conditions is that funding has to be complete within 30 days of opening. Given the current thread on the large…
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Cash ISA Transfer
I want to transfer my 1 yr fixed rate Cash ISA which matures 23/11/24 to another provider which is currently offering a better rate than the maturity option which has been given to me. However, it seems likely to me that interest rates generally will drop on 7/11 thanks to a Bank of England rate cut. If I open the new…
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Trading 212 Cash ISA Transfer In
The rate offered is great (a loss leader). Be aware that there are a very limited number on banks they will accept transfers from and you only find this out after going through the whole acceptance process AND having to contact an adviser through their BOT.
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ISA Transfers
If I let my fixed rate ISA mature and it is then transferred into an " easy access ISA saver " by my existing provider, when I open a new ISA can I transfer in the full amount ie the full £20000 plus the interest it earned or am I still limited to the £20000 max.?? If Not is there any way I can reinvest this amount within…
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Am I paying over the odds for my S&S ISA with Hargreaves Lansdown?
I have about £76k in an H&L S&S ISA - Artemis, Invesco, Janus, Jupiter China, L&G, Stewart Investors. I don't trade shares. I can't even remember how I accumulated these funds. I am being charged approx £331 a year, approx £28 a month which I think is high. I do have about £40k in my DODL Investment ISA which I'm charged…
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Trading 212 ISA.
Hello. I currently have a cash isa account that i have the max £20000 balance. Am i right in thinking I can put more money in this account? So £20000 cash isa, tax free interest, then anything above is still paid at the 5.1% but taxed? Thank you.
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Kent Reliance Application for missed ISA subscription
I was checking some detail about a joint savings account we've closed a couple of days ago. We still have 3 ISAs with KR. The customer bloke said oh you haven't competed the applicaiton for a missed ISA subscription yet. I looked this up and it's a declaration that I will apply for an ISA in all future years. Then it says…
