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Fixed Maturing soon, looking at options
Hi All I have a Shawbrook Fixed maturing soon, it looks today that we are being offered a Maturing ISA Fixed with Shawbrook at 3.91%……it purely contains an ISA deposit from a couple of years ago and has "rolled over"., I had a look and see that Kent Reliance are offering a 1 year Fixed at 4.08%……whilst checking the T&Cs I…
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Tembo fixed term ISA paying in funds
We have opened a fixed-term cash ISA with Tembo, and sent over a first payment, we were going to top it up to ma the ISA for the year. We have now fouund that with each transfer a separate ISA is set up with a different maturity date. Indeed, the last transfer today, it is not going to benefit from the interest that we…
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Adding to a fixed term ISA.
My first ISA was with Barclays which was fixed over 2 years and we could add to it over the the term. I then transferred it to another provider when matured with the intention of adding funds over the next 3 years in September. However I found out that it was closed for new funding at the end of October, but my new funds…
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Taking profits from a stocks and shares ISA
over the years I’ve built up a good portfolio of stocks and shares and cash in ISA’s, always maximising my allowance. I’ve also built up profits and interest payments in the accounts. Now I’d like to take out some of my profits. I have flexible accounts. Now it seems, when I take money out it is taken from the allowance…
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In Specie transfer
Hi. In March my two SAYEs are going to mature. I can't open a stocks and shares ISA until the new tax year as I've maxed out this year's allowance in cash. I've never transferred shares into an ISA before. They're held with Equiniti. I don't want to use Equiniti to do this. How do I do an in specie transfer?Do I open up a…
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New to savings
hi all I am am after some advice I am just about to be made redundant and I am looking at saving around £50k but I am not sure th best option for this. I am looking to lock this for 12 months as I will hopefully have a job by then but wondering what the best option for saving would be?
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Are there any reasons not to invest in this?
I'm almost 41, and whilst I'm late to the game, I have become interested in investing in stocks. Specifically, I narrowed it down to: * Platform: Trading 212 (Stocks & Shares ISA) * Fund: VUAG (Vanguard S&P 500 UCITS ETF – Accumulating). * Reason: Very low FX fee (0.15% per trade), no monthly account fee on the ISA. I'm…
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Transfer Out Plum ISA
Has anybody successfully transferred out a Cash ISA from Plum? I initially opened an ISA with Cynergy Bank but as part of the account opening, Plum (Plum Fintech Ltd (Saveable Limited - FCA: 739214)), wasn't listed. I contacted Cynergy once the account was open, only to be told they only accept transfers from institutions…
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Moneybox pushed me over my ISA limit for the year
Hey folks. I have a Moneybox cash ISA that I transferred funds into, but have made no deposits into this tax year as I have already paid £20K into a Trading 212 stocks and shares ISA. A few days ago I got an email from Moneybox saying that they'd just paid £20 into my account as a "reward" - not something I asked for or…
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dodl 12-month fee waiver deal on ISA/LISA (available until 30 April)
Thought I'll put this in its own thread in case it doesn't get picked up from forum comments, dodl has a time-limited deal for anyone looking for a new ISA manager: https://help.dodl.co.uk/en/articles/13597884-what-is-the-fee-free-isa-offer The fee waiver is on the platform fee of 0.15% and requires a minimum…
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Cash ISA Trading 212 (corrected)
Hi I opened a cash isa with Trader 212 last week via the Martin Lewis Email link (I don't have any other ISAs). I've not heard of them before but its a good rate and on MSE. I'm not very tech savvy so was proud of myself when I sat it up and scanned in a photo of my passport. However when I tried to transfer money over…
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IF MORE THAN ONE ISA OPENED IN A YEAR
Hello, I am new here. Say a person was to place in one tax year £40,000 in two different ISAs, (£20,000 in each), would they pay tax on the interest?🐎
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Partial transfer of flexibly withdrawn Skipton ISA
I know there have been a few discussions around this kind of topic, particularly with Yorkshire BS who calculated the allowances wrongly, but I wondered if anyone had experience of this with Skipton? I don't dare ring up and ask because I don't trust that the response I get will be accurate. So if I have, say, £25k of…
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S & S ISA withdrawal/closing advice.
My dad has an ISA with one family and has £45k in it and pays £200 pm into it. He has had this for at least 10 years. He wants to close it or take out over half of the pot as he wants things doing on his home. He is 80 odd and Iwe want to know what the tax liability/bill will be if he closes it or withdrawals over half of…
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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HL LISA fees
Fees going to .25% for management of LISA with Hargreaves Landsdowne. I normally buy funds twice a year. Once after April 5th, once when the bonus comes through. Where are other people looking to move their LISA to if cheaper alternatives exist? I already have II (now scottish widows) for ISA so prefer to keep seperate…
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ISA maturing this tax year but provider wants my decision now
I opened my first cash ISA which matures on 17 March this year. I deposited the full £20k. My provider wants me to make a decision on my choices now - i.e. open another ISA with someone else etc. I want to move the full ISA to another cash one but won't I have to wait until the new tax year as I have used my full allowance…
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Looking to open a Lifetime ISA
Just had a reel pop up on Instagram of Martin Lewis saying I should open a lifetime ISA and I am 40 in a couple of months so it's now or never. However I am finding it so confusing! I have also seen people saying they signed up and have been charged on their own money, but I can't understand why. Basically I am a 39 year…
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Ford Money - Interest Reduction
Just received notification that Ford Money are reducing the rate on their Flexible Cash ISA from 4.04% to 3.79% on the 12th February. Have been really happy with how easy and quick it's been to withdraw and replace funds. Same day payment if requested before 1.00 pm. Might to look for a better interest rate.
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Zopa mistake
I thought I'd let you forum people know, in case you didn't already, that Zopa have made a mistake and they have informed HMRC of people's ISA interest as though it was taxable interest.They have informed HMRC that they have made this error and HMRC have confirmed to them that they will correct the error on people tax…
