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New cash ISA limit for those turning 65 during the tax year
I will turn 65 in May 2028. Will I then qualify for the over 65 cash ISA limit from my birthday, or will I have to wait until the following April to qualify?
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Stocks and Shares ISA
I have (finally- after years of deliberating) deposited cash in a Stocks and Shares ISA on the Hargreaves and Lansdown platform as I want to grow my money long term (6-10 years), but I'm unsure the best way to choose the shares to invest in. I was going to opt for a track the market ready made investment (as I'm new to…
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Should I Transfer part of my employment pension into my ISA?
Is it a good idea to Transfer part of my employment pension into my ISA with CHIP? Is this worth it? in order to benefit from the interest? given the fact that the cash sits in my employee pension pot not earning interest.. advice and thoughts welcome?
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Advice on 3-5yr fixed term ISAs
Hi all, I am looking to transfer my existing ISAs and am keen to maximise interest. I have looked at rates on MSE and it seems the best options are to fix for 5 years. I don't mind not having access. I'm seeking advice as to whether its wise in the current financial climate to go for a 5 yr fix or less. I have googled and…
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Transfer of S&S ISA with Scottish Widows to Charter Savings Bank
Not having a good experience with the transfer. Currently have £76k for a house deposit with Scottish Widows in a S&S ISA all in cash (all investments sold). Applied and posted an application to Charter by first class post on 19th January 2026 (cost me £3.05). Not heard anything from either providers since. Am I right in…
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Help please re: Fixed Cash Isa's that still accept funds during duration of fixed term
Hi, would appreciate some help if poss please re: any fixed cash isa providers that still allow funds to be added during duration of the fixed term. Thanks in advance. (My understanding is Shawbrook allowed this - but looking on their website recently am not sure if their current fixed cash isa issues do or if it is now…
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cash isa or lifetime isa?
Hi everyone, I currently have £16k in a Cash ISA with Moneybox at 4.15% and £16k in a Lifetime ISA (also with Moneybox) paying 2.8%. I’m mortgage-free and mainly keep the Lifetime ISA for the 25% government bonus (£1k a year when I contribute the full £4k). I also have a good workplace pension. I’ve got £4k left that I can…
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How to Meet ISA Transfer Incentive Thresholds
I was looking at Barclays Smart Investor (NLA) ISA Transfer Incentive, on the online form I cannot see the option for entering the amount of monetary value to transfer in. I can only see the number of units. As such how many extra unit would be safe to transfer would it be 10% over the minimum requirement? If I am looking…
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Flexi ISA question.
I'm sure this scenario has been mentioned on here before, but it's easier to ask it in a new thread than trying to find the answer from previous ones. I have a Chip flexi ISA which is almost maxed out for this current tax year. Can I withdraw £10k now, pay it back into the same Chip account in 6 months time (new tax year),…
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Experience Transferring a Help to Buy ISA?
Been considering my options with my Help to Buy ISA for a while and just wondering if anyone has any experience of transferring their H2B to a Lifetime ISA. Like how easy was it, what exactly did you do and who did you decide to transfer to. Thanks
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Shawbrook ISA - When did they they change their T & C's?
Having an ongoing FR ISA with them since 2024 it was a Condition for Shawbrook that you could only subscribe to one ISA with them during the tax year. However it now says in their FR ISA summaries that you can open multiple Shawbrook cash ISAs per year. When did this change?
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Taxed on savings interest
I have recently had a tax bill from HMRC and also a new tax code added to my private pension. On further investigation I find that HMRC are billing me for interest on savings from 23/24 and new tax code for 24/25 again for savings. While I am rightly annoyed, should I bother looking for high interest accounts if the taxman…
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Trading 212 withdrawing interest
Hi Folks. I'm a newbie to this one. I have 3 x years of Trading 212 ISAs, the 3rd being current 2025/6. I want to withdraw the floating £2,000 interest, but £2,000 comes off my 2025/6 allowance (and the interest still shows as interest). This generates lots of questions, of course. Qs: Does that mean I'm losing £2,000 tax…
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Transferring Sharesave shares into ISA - help needed
Hi, my Sharesave shares matured recently and I want to transfer them into ISA. How do I do this? The shares are held by JP Morgan workplace solutions and I'd like to complete the transfer in this tax year. I already told them I want to keep the shares so have just under 90 days to do the ISA transfer. I don't have a S&S…
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Virgin 1 Year Fixed Rate Cash ISA Exclusive Issue 11 - Maturity
Got an email earlier to remind me maturity is on 31/03/25. It will switch to an Easy Access Cash ISA Exclusive Issue 3 @ 4.51% Which is also flexible.
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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…
