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Lloyds fixed isa
Hiya I have a lloyds fixed term isa which pays monthly interest to my nominated account and which i use to fund a few regular savers,i was just reading on lloyds website and it quotes " The amount of any interest transferred to a non ISA can be paid back into your Fixed Rate Cash ISA in the sametax year, as replacement…
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Correct Procedure for transferring Maturing Cash Isa's
I am hoping that someone who has experience of transferring a Cash Isa's can confirm that I am following this procedure correctly. I have 2 Fixed Rate Cash Isa's which are about to mature on 30/10/24(Santander) and 4/11(Newcastle B/S), and the government website states that it should take NO LONGER than 15 working days for…
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IS TRADING 212 the best option for ISA?
Hi there, I have both my LISA and SIPP with AJ bell. I have been considering opening an ISA to invest small amounts for the coming 10 years or so. After doing some research, I decided to go with trading212 because as far as I read it is “free” my questions are : is it really free to invest ? does it matter if I invert in…
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Fixed term ISA maturing - to transfer to fixed term or easy access with better rate?
Hi all, I was hoping someone could kindly provide a little guidance. I have a Santander fixed rate ISA maturing soon, with a 5.6% interest rate. It seems Santander have one of the highest fixed rate ISAs on the market now, at 4.63%. I also have a Trading 212 5% easy access ISA, and a MoneyBox 5.16% triple access ISA…
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Payment rejected to 1 yr fixed rate cash ISA Virgin
Hi, just acounted an issue with my Virgin 1 yr fixed rate cash ISA. Started in Feb 24 with maturation date Feb 25. My payment bounced, rejected by Virgin. In their Help section, they state that if they close a product, one only has 30 days to pay in any addtl monies. I don't recall being informed about this at any point,…
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Santander Fixed Term ISA
Hi I would like to transfer a Coventry Fixed Term Cash ISA to a new Santander Fixed Term Cash ISA and have a few queries that I hope somebody can help me with: Am I right in saying that this doesn't count as this financial year's ISA does it? I can still open another new Cash ISA if I want to? Do i have to open the…
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Junior stocks ISA-Provider suggestions
Hi, looking to open 2 junior ISAs for kids and looking at stocks and shares ISA. Looking to invest in global tracker passive funds. My own stocks ISA is with Lloyd's and they don't offer junior ISA so looking at another provider. Any recommendations for the ISA Provider which are cost effective? I looked at vanguard and…
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Early Withdrawal Virgin Money 1yr Fixed ISA
The Ts&Cs says that “Any withdrawals made within the fixed rate period are subject to a charge equivalent to 60 days' loss of interest on the amount withdrawn.” If I have the money in the account for 10months, does this mean: a) I will earn interest only for 10months; b) I will earn interest only for 10months and have to…
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ISA to LISA Question
What is the best method of moving money from an Adult ISA to a LISA? Is it possible to transfer directly - or must the money be withdrawn from the ISA and put into the LISA?
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Cash ISA mixed msgs
Hi all, I have known and read that from April this year one can have more than 1 cash isas with different providers. I had opened my 1st cash isa last year with bank 'A' that matured this tax year and I renewed it and topped it up with saving funds. I wanted to open another cash ISA with the same bank to add more savings…
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Shawbrook multiple ISA rules
Hi everyone. I wonder if anyone can give me a definitive answer to this...I currently have a Shawbrook 1-year fixed rate cash ISA which I opened last month (ie current tax year) which is made up completely of previous tax year funds. Would Shawbook allow me to also open one of their 3-year fixed rate Cash ISA's this tax…
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Conflicting advise - Skipton to IWeb transfer.
I have a cash ISA with Skipton which is maturing on the 17th of August. I'd like to transfer this into my IWeb S&S ISA. I called Skipton this morning to ask when I should get in touch about starting to process as the 'do nothing' default locks the cash into another 1yr fix. They told me I would need to speak with IWeb to…
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'Exotic' Assets in a Stocks & Shares ISA
I have a query re a statement on the site. On the mse.com site dealing with Stocks and Shares ISAs, MoneySavingExpert.com>Banking>Savings
a page on Stocks & Shares ISAs, Learn More …,
There is a section titled ‘Stocks & Shares ISA need-to-knows’. In the 3rd
point, it states “You can invest in almost anything – from the…
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Best place for lump sum?
Hi. I have just retired and want to get best interest rate on my lump sum. I won't need to make any withdrawals.
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Confused about my ISA
I appreciate this topic has been covered before but I can only find very old threads. And forgive the ignorance! My cash ISA is due to expire at the end of September this year. I’ve currently got just over £15000 in it. Ive had the letter explaining my options and want to change it to another ISA with the same interest…
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Help to Buy ISA to Cash ISA
Hi, Can I transfer my Help to Buy ISA to a normal Cash ISA? I will be buying a house but it is >250,000 therefore the bonus from the Help to Buy ISA won't kick in and it has an abysmal interest rate. I would like to transfer this to a standard Cash ISA as I will be using other savings for the deposit. Thanks for the help
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Fixed Rate ISA with monthly interest payment ( Skipton )
Hi all Skipton has a 4.3% isa that looks promising to me with monthly payment. I'm not very clued up on ISA's but reading the small print am I right in thinking : 1) I can open the account today with £500 then have until the 25th September to top up to 20k 2) Next April I wont be able to add that years allowance and will…
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Best Provider for Long Term ISA
I'm helping my son with setting up some investments. I'm thinking of a low cost tracker that he's going to be putting away for 40 or so years. Are there any particular providers who specialise in this? Are there any ones to avoid? TIA.
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Help to buy ISA v Lisa
Hi after advise, if you have roughly £8k in a help to buy isa and are looking to buy in about 18 months, continuing to contribute the max £200 a month, but would prefer to pay in £400 a month, because of rising house prices a first time home may now cost £300k, is it better to switch to a LISA asap, as potentially…
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Which investments on Dodl pls?
Hello I am switching my LISA from a j bell to dodl due to charges (I can only afford to put in £25 a month). However I don't know which funds to get. In my a j bell LISA I have Lifestrategy 100 and also Hsbc global strategy the most risky one. In my normal isa with vanguard I have Vanguard Global All Caps. I know I dont…
