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First Direct Stocks &Shares ISA forced share sale after takeover
A UK share I held in my First Direct (FD) stocks & shares ISA was subject to a takeover by a USA company that floats on the NYSE. FD sent me two letters both advised I could sell prior the takeover date or if I took no action the shares in the new company would be added to my account plus additional monies from the…
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Move ISA to already contributed one
Is it ok to move a flexible ISA now from a separate bank to another flexible ISA that I have already contributed to the maximum amount for 2025/26?
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New ISA Manager and early transfer without penalty
HI I've just received an e-mail from Virgin Money with confirmation that my ISA Manager is officially changing to Nationwide from 2nd April. My fixed ISA doesn't mature until the end of June and I was wondering if I'd still be penalised interest if I transfer by the transfer deadline. Thanks Paul
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Flexible ISA's redundant
Hi all, having a so called flexible ISA with Zopa, they say that it's not going to be allowed to transfer part of the ISA to another provider, however if you do a full transfer they will close the account; they say they will accept partial transfers in so that's why it is a flexible ISA. This can't surely be right, as all…
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IG's £200 Cashback when you invest £200
Hi. Does anyone know if I would still get the £200 back if I deposited the money into IG but did not buy S&S or ETFs? I've already deposited the money and am now feeling extremely overwhelmed having to choose what to buy. I've only ever invested through a platform so wasn't expecting the billboard of flashing lights. If I…
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Lifetime ISAs guide
Hi! This is the discussion thread for the Lifetime ISA guide. Click reply below to discuss. If you haven't already, join the forum to reply. Thanks folks,
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Vanquis ISA
I have already made a subscription to another cash ISA this year and I'm trying to open a Vanquis ISA with the rest of my alowance. When I start the application with Vanquis is insists you transfer my other ISA which I do not want to do stating, 'Your current years ISA subscription has to sit with one provider' Which is…
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Moving S&S ISA from HL who've now sold some funds
I have a fair number of funds with HL which are within ISAs, and I wanted to move from HL to Self Investor. HL have just told me they've sold three of the funds. So I now have cash within an S&S ISA. How do I move that cash to another provider and maintain the ISA wrapper? (I know Self Investor don't do cash ISAs.)
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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…
