-
Help with ISA
Hi . Please help I have a 2 year fixed ISA which I started in August 2023 and deposited the full amount allowed 20K. I would like to deposit for this year another 20K. Am I allowed to open another fixed ISA. Thanks your help is appreciated.
-
NS&I to bulk buy or drip feed
Hi, I have a question of probability(?), if you find yourself with a lump sum to save and you want to save it in tax free accounts, is it better to purchase an entire large lump sum of NSANDI bonds eg 10k+, or better to drip feed in smaller 1-2-3k runs of tickets? I realise that NSANDI is not necessarily the best way to…
-
British ISA scrapped
The roll-out of a British ISA has been scrapped by the new government despite Labour insisting it had “no plans” to ditch the scheme in the run up to the election. https://www.cityam.com/u-turn-british-isa-dropped-by-labour-despite-prior-pledges/
-
ISA higher rate allowance
Hi I understand the allowance for ISA interest paid changes if you are in the 40% tax rate bracket. Is this checked with your latest p60 or is it your responsibility to check? I am always very close to the 40% bracket with my overtime. Sometimes I go over, sometimes I am just below 50k. I have 20k I want to put in an ISA…
-
Skipton to Halifax ISA Transfer
I'm attempting to transfer my maturing Skipton ISA into a new Halifax ISA but have hit a bump. The Skipton ask for sort code plus account number AND the reference number to be quoted on the transfer form but the Halifax (online only) form only accepts the sort code plus account number OR a reference number and gives an…
-
Trading 212 / Cash ISA - Application ID
Is it possible to apply for a Trading 212 Cash ISA without photo ID? I currently have only a paper driving licence and no current National ID Card or Passport.
-
Reg isa
Hi My eldest child is 18 and she is in full time education .I m thinking of investing on isa for her so that she can use for either education or her first house. Does she have any tax implications if she gets regular money in to her ISA through her account.Is there any limitations on the amount I can transfer other than…
-
ISA's and IFA's?
I have an ISA which was set up by an IFA who no longer advises me. I mistakenly thought I could manage the ISA myself BUT the money had been invested with an ISA company who only operate via financial advisors. I have no qualms about them. I have been granted a small amount of time by the ISA company to appoint a new IFA…
-
Opening 2 cash isa's and moving money between them....
I have opened a fixed rate isa with Shawbrook to obtain 5% rate before it was discontinued. I put £1000 in it for now but don't want to tie up the other 19K at the moment. Is it OK to open a Trading 212 flexible cash isa, currently at 5.2%, withdraw and deposit it in Shawbrook later this financial year when I am ready to…
-
recommended providers
any thoughts on the best providers to start a personnel stocks & shares ISA. There are plenty out there but I would like to be able to talk to someone rather than just do it all on-line.
-
Stocks and Shares ISA
Hi all, Looking for some advice. I’m planning on opening a stocks and shares ISA with the goal of saving around £50 p/m over the next 30 years to help in retirement any advice on the best stocks and shares ISA currently? And advice for a newbie investing to maximise savings (from what I’ve read it seems pretty complicated…
-
Shawbrook ISA transfer
Apologies in advance if this is a daft question, for some reason I don't feel as confident dealing with ISAs as I do other savings. I have a 1 year (5.83%) cash ISA with Shawbrook, comes to an end in a month or so. None of their maturity options appeal so if I simply put it in an easy access ISA with them short term is it…
-
Leeds - Limited Issue Online Access ISA (Issue 76)
Hi, What am I missing here...? In the Best Cash ISA info - https://www.moneysavingexpert.com/savings/best-cash-isa/ - it says that the Leeds BS's Limited Issue Online Access ISA (Issue 76) interest rate is 4.6% (fixed till 30 Sep 26). However the Leeds say on his page…
-
2024 multiple ISA rules
After reading this article (https://moneyweek.com/personal-finance/savings/isas/multiple-isa-rule-how-it-works) I have a query regarding the multiple ISA rules. I was under the impression that if I had opened a cash ISA in the tax year 2024/25 and paid in £10k then I could open another cash ISA with a different provider in…
-
ISA help please
In April I placed £18000 in a Halifax Stocks and shares Isa. Due to a relationship breakdown I had to withdraw it My question is do I still have my £20000 limit to use or is it just £2000 now? Thanks in advance
-
Deadline for transferring soon-to-be matured Fixed Rate ISA to new provider
Apologies if this question has been asked before. My 1 Yr Fixed Rate ISA with Shawbrook Bank matures on 20/09/2024. I am considering opening a Natwest 1Yr Fixed Rate ISA and completing an ISA transfer request for the Shawbrook ISA to be transferred to it observing any notice period. So the earliest the transfer could be…
-
Stocks & Shares Advice
Hi - looking for some advice/tips. I am 37 years old, I have £23,000 in savings and I have just set up a stocks and shares ISA (s&p500 VUSA) and I will be contributing £600 a month to this. I am contributing the maximum amount into my workplace pension and I have £105,000 left on my mortgage. My questions are should I…
-
Best stocks and shares JISA?
I’m looking to open a JISA on behalf of my grandson - does anyone have any recommendations? I’d like it to be very easy to deposit money.
-
how do I trace my late wife's help to buy ISA ?
My wife passed away in July last year the day after we were married of cancer . I know she had a help to buy ISA but cant find any trace of paperwork etc for it . does anyone know of a way I can trace it please ?
-
Sell SAYE shares
If I sell 20k of my SAYE shares and put the money straight into an ISA will this avoid me paying captain gains tax? On the website it’s confusing, saying I need to transfer shares into the isa so a little confused
