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MoneyBox Cash ISA - Loss of interest on transfers - Advice pls?
Hi all, I recently opened a MoneyBox Cash ISA and set up an ISA transfer from my existing cash ISA, for £85K. My existing provider, Coventry Building Society, paid interest right up to the day they sent the transfer, and they chose a transfer method that they said meant the funds arrived with MoneyBox the same day.…
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Principality Online Bonus ISA Issue 3
Does anyone have this account? I can't remember if the number of withdrawals per year are limited on this account. Does anyone have the summary for this account and know? Many thanks
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Moving S&S ISA from IWeb to Trading 212 or etoro etc for lower fees? any concerns for larger pots?
I have an ISA currently with IWeb that is over the 85k protection limit, I'm considering moving to a lower fee provider for trades as I do tend to make a few changes now and then and with IWeb its £5 each time and I like to make changes. It seems many people are using these other providers ok, I just wondered if anyone…
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Foreign shares in ISA on death
I have some foreign shares in my ISA. What happens to them when I die? Are they treated in the same way as UK shares in the ISA, or do I need to make special provision for them?
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AJ Bell vs. Dodl investing in a LISA
Hi, I was looking into alternative LISA providers and I came across Dodl, which is part of AJ Bell. I had a look at the fees and although on paper it seems dodl is cheaper, this is only true up to a point as the fee struture is a big weird. For AJ bell the fee is 0.25% annually (capped at £3.50/month), whereas for AJ Bell…
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Withdrawing LISA at Completion or Exchange? - 12 Month Penalty Query
Hi, Just looking for some advice/clarification please. My LISA is under 1 year old (15th feb 2025 will be a year since first contribution). I'm looking at purchasing a new build with shared ownership. I want to reserve as early as possible but also don't want to pay any penalties. Would the solicitor officially withdraw…
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ISA allowance question
Hi, I made a mistake by manually withdrawing £20,000 from my cash ISA into a current account prior to paying it into a new cash ISA that I opened with another provider. I now realise I’ve used up this year’s allowance and will make sure I do transfers in future! However, the original ISA I withdrew from was opened in the…
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Stocks and shares ISA. Risk appetite
I am just looking at my portfolio I hold funds and one invidiuail stock. Half my portfolio is in tech stock funds the other half is in the HSBC all world index. 150k in each. Is that a risky strategy having half my savings in tech funds? I'm 36.
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Junior ISAs vs Saving account
Hi everyone, I am trying to open a Junior ISA account & I read the following article https://www.moneysavingexpert.com/savings/junior-isa/ On this article, it says "For most people junior ISAs AREN'T worth putting new money in unless they pay more than normal kids savings", I am not sure, I understand the full depth of the…
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Transfer old htb isa? anyone know who is accepting ?
kids have maxed out isas earning very low interest, anyone know any institution accepting HTB to HTB isa transfers?
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Halifax ISA Transfer
Hi all, anyone else having issues with the Halifax not completing a ISA transfer.? Over a month ago I applied via trading 212 to transfer my ISA. However Halifax haven't prossessed it and now it been cancelled. So annoying
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VG lifestrategy 80/20 where now?
Hi all l'm aware there are a lot of comments about vanguard and their new charges. I am in the low investment bracket that will hit me hard. So I was thinking of withdrawing. Is anyone aware of a similar investment like the 80/20. I saw somewhere maybe the HSBC global strategy funds, but not sure. Any guidance would be…
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Stocks and Shares ISA and Vanguard
I am contemplating investing via Vanguard and into one of the indexes like FTSE Global, S&P 500 etc. I currently do not have a stocks and shares ISA. Is it possible and recommended to open a stocks and shares ISA with vanguard and then invest. Please note this thread is to request help on using and maximising the benefits…
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Transferring 2023/24 fixed Virgin ISA due to mature on 2 January?
We both have Virgin Money ISAs due to mature on 2 January 2025. Both are for the full £20k year's allowance taken out on 2 January 2024. We haven't had any communication from Virgin to date and realise it's only a week off now. This is the first time we both wish to keep the money in an ISA wrapper so am a little unsure of…
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Is photo ID required for app type applications?
I've just been unable to apply for an account for the first time despite being a UK citizen, having lived here all my life, got NI number, on electoral register, same address for 35 years, top credit scores. Trading 212 asked for a driving license (omitting that it was a photo ID they required) so I went ahead. It was a…
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Unknown banks..are they safe?
Thus might seem a daft question but I'm a very conservative saver/banker and have always used known high street financial companies...but I notice on this website the highest ISA rates are with non-high street banks....I.e. Habib etc. I'm wary of Internet banking so how can I check these banks are ok to use? I imagine they…
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ISA
I don’t know much about isas but I have one with Lloyds bank the begging of the year I belive April time , I closed it as i got offered better deal with Barclays so opened one with them I didn’t transfer my balance directly as had issues with Lloyds can I open another with lyods even when I’ve closed one with them this…
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Two ISA's
I opened an 1 year fixed cash ISA 6 Dec 2023 with £20000 this matured 6 Dec 2024. I withdrew the interest and reinvested £20000 in another 1 year fixed cash ISA which matures 6 Dec 2025. I also opened an 1 year fixed cash ISA £10000 with another bank on the 29 April 2024 which matures 28 April 2025. When can I top them up…
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Virgin Bank - different log ins for new ISA
I have an existing ISA along with a number of other Virgin accounts which I access using my phone app most of the time. I have just applied to open a new ISA, with the intention of transferring the old ISA to the new account. This is where it gets annoying. Because the old accounts sort code begins with an 82 I have to…
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Cash ISA Questions
I have a cash ISA and the fixed rate expires on 4th January. I was hoping someone on here could help me with a few questions. 1. When the fixed rate ends will it just revert to an easy access variable rate ISA (unless I give them alternative instructions)? The provider is Shawbrook if this helps. 2. The rate of the easy…
