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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…
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Fixed Cash ISA maturing - transfer options
I have a Shawbrook cash ISA maturing early September (it was a transfer of a previous year's full allowance not current tax year) and their maturity options are not great so have been looking at alternatives. I have opened the Virgin Money Exclusive 1 year fix (having opened a current account recently to get the regular…
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Junior ISA portfolio
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ISA transfer " new " money from account into ISA.
Is is possible to transfer " new" money into a ISA opened this year ( trading 212 ) and later on in the year if needed transfer into a stocks and shares isa which is already opened ? Thanks
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What to do with old ISA containing more than £20k
My knowledge of ISAs is a bit limited so I'm after a bit of help please. I have an old Post Office ISA that was opened quite a while ago that has had various deposits over the years and has grown to >£50k. It's currently giving just 1.55% interest so I want to set up a new ISA to get better ratees. What I'm not sure about…
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Transfer Flexible to a Fixed ISA with a different bank
Hi, I have paid £20k this tax year into an instant access ISA (flexible) with Monzo and have opened a LISA with Moneybox this month. Monzo won’t let me do a partial transfer of £4k into the LISA within the same tax year. I am aware that I can withdraw the £4k from my Monzo ISA and pay it back into the ISA without it…
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£20000 allowance gone because of transfer?
One company transferred 25k from old ISA provider to it. I had not deposited anything extra this 2024 tax year yet into either company cash ISA, but new company is now saying I have used up tis years £20K allowance so cannot deposit any more money into it. Not sure if I can still deposit into old company cash ISA still for…
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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…
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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…
