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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.

Help to Buy ISA advice
Hi, I'm looking at potentially buying a house in the next few months, but I am unsure exactly how the 25% bonus works. My understanding is that you receive the 25% after the sale of the house has gone through. If this is the case, does this mean that for example if I buy a house for £100,000 and put down a 10% deposit I…
Multiple partial transfers out of the same ISA
Looking for experiences with 2 or more partial transfers out of the same ISA: do it concurrently or sequentially? I’ve got a fixed rate that’s just matured and rolled over into a low-paying EA, plus it’s close to the FSCS limit - two very good reasons to split it up. I want to transfer out in 3 tranches - one to existing…
Lifetime ISA in relation to an Estate Protection Trust
Me and my hubby are in the process of setting up an Estate Protection Trust, with our two daughters names as trustees. One of our daughters has a Lifetime ISA that she will use when purchasing her first house. She is concerned about signing the paperwork, as she feels that she will lose her 25% bonus when she is ready to…
I've got into a muddle!
I had £1550.00 in a zopa easy access ISA, but I thought I'd take it out and put it into the Chip Easy Access ISA. I also added £17800 (around that sum) but then realised after I'd done it the interest rate had dropped. So I took it all out and transferred it back into the Zopa ISA. Both are flexible. Have I made a mistake?…
FSCS Cover on Cash ISA >£85k Value
I have been maxing out contributions on my cash ISA for a few years, the value is now approaching the FSCS cover limit of £85k. Should I consider opening another Cash ISA with an alternate banking group for future investments? TIA Matt
Secure Trust Bank ISA's
My current fixed ISA with Secure Trust Bank is maturing in a few months and I thought with last weeks interest rate decision I'd take look at what the current selection were and I noticed, they currently have no ISA's listed. Is there something going on with Secure Trust Bank or are they no longer offering Cash ISA's ?
Fixed ISA maturity date question
I have a RBS 1yr fixed ISA about to mature. I initially paid in on August 8th 2023 & have received email telling me my ISA will be converted into an instant access ISA on Sept 5th. I make that 13 months. Do I need to wait until Sept 5th to transfer it?
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??

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
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.

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ISAs & tax-free savings

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