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Beehive Money ISA- odd rules on transfers/current tax year subscriptions
Has anyone had any experience of opening a beehive money isa by transferring previous year subscriptions? I’ve already opened an isa this year with another provider. I want to open a beehive money fixed rate isa by transferring previous years’ subscriptions (ie not including this years). Their application form says I can…
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Easy access ISAs
Hi, Earlier this tax year I put ~£19k in an easy access ISA. Later I withdrew most of it to leave ~£2.5k (I had a large purchase I needed the cash for). Last week I opened a fixed rate ISA and put in ~£8.5k. Does this mean that: a) I am over-subscribed as I have put ~£27.5k in ISAs this year, b) I am fine as I have put…
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Is it possible to sell shares and transfer to isa.
Can I sell my shares to the value of 20k and transfer into a ISA without paying any tax.
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Post Office ISA Accounts
Please be very careful if you open more than one fixed rate Post Office ISA account. They all go into a purse and you can not transfer out until the last one has matured without incurring loss of interest or money is stuck in a low interest rate account.
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ZOPA lost £3,000 of my money
I opened a ZOPA instant access ISA in May after seeing it recommended on the Martin Lewis site, 2 months ago I tried to withdraw some of my savings and was told it would show in my linked account within 2 hours. After a week of it not arriving I contacted Zopa to ask what had happened. They said they couldn’t do anything…
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Pension or isa
I have both ISA and a personal drawdown pension plan and would like to know which one would be the best option to invest into . I am 70 and looking to invest up to £10,000 .
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Lloyds fixed 2 Year Cash ISA
Morning, Just a couple of quick questions... Last month I opened the above account with 5K & will be topping up shortly with the remaining 15K of this year's allowance... 1) Can I transfer in any other maturing Cash ISAs at any point during these 2 years 2) Will I just be able to add to this same cash ISA during the 25/26…
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CASH ISA TRANSFER PROBLEMS
I recently transferred a cash ISA from Principality Building Society to Shawbrook bank. I filled in the necessary forms for Shawbrook to transfer the entire balance to them. I received a letter from Principality dated 6th August saying a cheque had been posted (as they don't do it electronically) to Shawbrook that day.…
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Ancient Order of Foresters - MVR applied to a NISA 15 November 2022
The above company says my NISA is worth £20,700 but their MVR which was applied on 15 November 2022 has stated on withdrawal it will only pay £18,800. This is still in place despite considerable changes in the market place. How can they state that my NISA is "worth" £20,700 when I can only withdraw £18K? The Finacial…
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Partial ISA transfer out of Zopa
I want to transfer part of my ISA with Zopa to another provider. It's a case of too many eggs in one basket. But Zopa do not allow partial transfers out - you have to do the whole thing. So I thought of a workaround. Has anyone else experience of this? Would it work? What are the risks? The new provider is fully flexible…
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New to ISA's
I am new to having ISA's and have a query about what happens when my fixed rate deal comes to an end. My deal with Virgin comes to an end next week. I intend to transfer this ISA to another provider. I have started this process with them. I had invested £20k which was my allowance from 2023/2034. The maturity value is now…
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ISA Allowance and year end
So this has confused me for a long time. I am aware these you can save 20K in an Isa each year and then allowance resets. Can someone advise re what I’ve got currently and when I can next invest. so in March of this year I invested 16.5K in an ISA to use last years allowance. That then comes back to me in March. When can I…
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Do Some FR ISAs only pay interest at the end of term?
I took out a 3 year FR ISA with Leeds & Holbeck BS on 12/8/23 (5.5%), but haven't had any interest yet drop into my account, over a year later (not that I want to touch it anyway). Does anyone have the T&Cs from this account, as I can't find them anywhere, and wondered if they might just pay 3 years' interest at end of…
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Moving 4k into Lifetime ISA
I have been paying into a HTB Isa for a few years including 24/25 tax year. I also have a lifetime isa opened in previous tax year that hasn't been paid into in 24/25. I've already maxed out this year's ISA allowance between my new cash ISA opened in 24/25 and my HTB ISA. Can I move 4k from one ISA into my Lifetime ISA?
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25% Bonus re-paid if sell house
If I use my HTB ISA OR Lifetime ISA to get the 25% bonud and buy a house. Are there rules on how long you must keep that house before selling it so you don't loose/have to re-pay the 25% bonus?
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Lifetime ISA living abroad
I’m a UK citizen and lived in Canada for a period of time. Had Canadian bank accounts and owned a home there with a Canadian mortgage provider. I then sold my property and moved back to the UK and opened up a lifetime ISA. I’m aware that you can’t qualify as a first time buyer if you owned property abroad but does this…
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Cash ISA, HTB ISA & Lifetime ISA in 1 yr
I have a HTB ISA and Lifetime ISA opened in previous years. 2024/2025 I opened a moneybox cash ISA and maxed it out with 20k. I have also been putting money ( the £200 limit/month) into my HTB Isa... My question is can I do a) move 4k from my HTB ISA into my Lifetime ISA in one lump sum now. And continue paying £200/month…
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Can a child have multiple JISAs opened for it?
My grandson’s parents opened a cash JISA for him when he was born and they make regular monthly payments into it. Would they be allowed to also open an investment JISA for him so that I can intermittently pay into that for him? That would mean fresh payments would be going into both types of JISA each year.
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HMRC ISA Declaration
I'm just completing an online application to reinvest a Fixed Rate ISA that matures in a few days' time. The HMRC ISA Declaration says "I apply to subscribe to a cash ISA for the tax year 6th April 2024 to 5th April 2025 and each subsequent tax year until it is closed." But I'm applying for an ISA which runs August 2024 to…
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Transfer at end of term
I have a Shawbrook fixed rate ISA maturing in early September. I’ve just had an email from them requesting maturity instructions. I would like to reinvest in a fixed rate ISA for another year. They have offered me a rate of 4.25%. Looking elsewhere I can get 4.75% from Ford Money. My question is what is the procedure to…
