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scottish widows stocks and shares isa
i have a stocks and shares isa that i have held for almost 30 years with approx. 18k in it, i stopped putting money into it around 2008 when the stock markets crashed, so its just been building on whats been invested since 2008.So will i have to close it before this 22% tax hike is brought in if i want to avoid paying any…
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Martin Lewis gives 10-point summary as more info on Lifetime ISA replacement plans revealed
Further details on plans to launch a First-Time Buyer ISA (FTB ISA) have been published by the Government today (23 June 2026). The key for existing Lifetime ISA (LISA) holders – the current savings vehicle for first-time buyers – is that your LISA will continue as is, even if, and when, its replacement starts.…
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LISAs - Is my logic correct?
Not first time buyer so this is only about the using at 60 option. I've got £1 in it. I've been looking through the details and see that you can only deposit up to 50 years old and only draw from 60 years old. So invest £4000 in my 50th year and draw with 25% bonus 10 years later. WIth compounding that equates to around…
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Intelligent Finance have my money but how can i get it?
Many years ago i had a current account and an ISA with Intelligent Finance. The current account has been closed for years but the ISA worth around 12k was still with them. I wanted to take the money out but I saw on MSE today that IF no longer exist and according to this site, if you had an ISA they would have sent you a…
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Cash ISA - Interest 'paid away' loses tax free status?
The West Brom Building Soc offers a fixed rate cash ISA @ 4.56% until Nov 27. I would like to take the monthly interest earned, on the deposit/capital, and have it paid into my current account with a high st bank to help with monthly expenses. The T&Cs say that 'paying away' the interest means it will lose its tax free…
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Chip financial Cash ISA move to another provider
I am looking to move the cash ISA from Chip to Trading 212. It's asking for account number and sort code but no where to be seen on Chip app. Tried the step to deposit with manual transfer option, but only digital banking shows.
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New SPRING Easy Access ISA to be launched 26th June?
From an email received from Spring I understand that this will be launched tomorrow. No idea of rate though.
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22% tax on interest from S&S ISAs from 2027, and limit on money market funds
To prevent circumvention of the lower Cash ISA limit, the rules will introduce a 22% charge on interest paid on cash holdings held in Stocks & Shares and Innovative Finance ISAs (non Cash ISAs), prevent transfers from non Cash ISAs into Cash ISAs for the under 65s, and prevent holding 100% Money Market Funds in non…
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Renewing ISA again
The other day i renewed by Halifax ISA Bonus Saver for another year. Looking back at my finances i could probably fix the ISA for a year which doubles the interest. So can i renew my ISA again to the fixed one? Im not sure what happenss if you renew twice in a short period
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22% tax on stocks and shares isa question/confusion - Vanguard portfolio
Hi, I'm sure this is a really dumb question but just trying to get my head around this upcoming stocks and shares ISA rule I have near 50k or so in a vanguard portfolio with the following "holdings" LifeStrategy® 100% Equity Fund - Accumulation ActiveLife Climate Aware 60-70% Equity Fund - Accumulation ESG Screened…
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Help with Hargreaves Lansdowne cash ISA transfer
I have a cash ISA with HL in Hargreaves Lansdown (powered by Shawbrook) I want to transfer out of HL completely to UTBank but I can’t see how as HL dont provide sort code and account number Can any one advise how I do it ?
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Interaction of ISA transfers with flexible ISA rules
I have 2 related questions about how flexible ISA rules interact with ISA transfers. Context I have been saving into a flexible ISA, and wish to transfer some of these funds into a higher interest, fixed-rate ISA, while still keeping the flexible ISA open for saving later in this tax year. For the sake of argument, let’s…
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Stocks and shares ISA tax consideration
Hi there, I currently have £40,000 invested in stocks and shares ISA’s . My partner and I are considering investing a further £20k each in stocks and shares ISA’s and plan to invest this money between 5 - 10 years. We were wondering under the new Government plans to introduce 22% tax on any cash profits made on ISA’s, will…
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Transferring cash from one cash ISA to two cash ISAs.
We are a retired couple with decent pensions and plenty of savings. We are both standard rate taxpayers. My wife has a Trading 212 Cash ISA of about £26,000 currently earning 3.6 %. We want to withdraw that £26,000 and place it into two new cash ISAs of £13,000, one in my name and one in her name in order to achieve more…
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ISA transfer funds missing. Trading 212 to Santander
Hi all, Requested a cash ISA transfer on 17th April from 212 to Santander. Went into Santander branch as I had to use the paper form and wasn't sure of sort code. Eventually on 30th April, funds left my 212 account and I have been waiting ever since for them to appear in my Santander fixed ISA. Communication with Santander…
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Ex Dividend dates
Can anyone shed any light on this for me please when Investing in a S&S isa, I have a query about Ex-dividend dates and the T+2 settlement cycle which someone more experienced may be able to answer, I recently bought an etf which proceeded to go a bit gangbusters before the ex dividend date, as in it was in profit by 3x…
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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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Interest on Stocks and Shares ISAs
I was reading today about the introduction of tax on interest from Stocks and Shares ISAs. I have held a Stocks & Shares ISA with Halifax for many years, but have never received any interest. So, my question is, are there different types of Stocks & Shares ISAs, those that pay interest and those that do not? I have been…
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How to transfer out of Trading212 cash isa?
Edit: I FINALLY managed to transfer it, transferred the ISA Vida bank even though the interest rate wasn't as good as elsewhere as it was the only one i found accepting it. It's taken 2 months! Huge hassle throughout from trying to figure out the trading212 account number (there isnt one!), having to wait days to get…
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Trading 212 - what do we think?
Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…
