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Can I transfer my ISA from one account to another several times per tax year?
Hi This is just a hypothetical question. As the title says are we allowed to transfer isa money from one acccount to another and then back again or even to a third one in the same tax year if the original bank's rate changes (assuming of course that only £3600 of this year's money is deposited and the remaining is from…
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Fixed or Variable rate?
I fully realise that its all about personal preference but just wondered - in these uncertain times are people generally chasing the best ISA rate (round about 3.61% but VARIABLE) or opting for the lower fixed rates available. I'm tempted by the First Direct eISA as it allowes no-notice withdrawals without penalty should…
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ISA confusion
Excuse a newbie's ignorance, I'm a bit in the dark about all the ISA rules. I have just opened a cash ISA for 2009-2010 with the full £3600 (1 year fixed rate). I also have 2 ISAs from previous years with the same bank which mature in July. I'm not sure what happens at that point...I don't want to draw any money out of the…
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How safe are ISA's?
I started a mini cash ISA with Halifax 3 years ago as a safe way to save my limited funds. However my last statement showed that I had actually lost nearly £3000! When I asked how this could be I was told it would improve when the markets perked up. How can it be that moey can be lost like this in a so called savings…
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Transferring-In
Can someone explain what this actually means as I dont see a defiitiion on any of Martin's articles. If you transfer your ISA from one year to another does this mean your balance is cumultative ie move £3600 from last years A&L ISA to this years Halifax ISA means Halifax will allow you to lodge £3600 AND pay interest on…
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Birmingham Midshires fixed rate ??
I am thinking of putting my £3600 into the BM fixed ISA at 3.1%.Is this a good idea or is there altenatives out there?Anybody had dealings with BM? I have filled in the online form but have yet to receive the hard copy for me to sign so I assume I can pull out if I decide its not for me? cslogg
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Whats the best isa now please??a
Hiya what's the best cas isa now is it barclasy and nat westr still? Ta
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ISA Interest confusion
I have ISA accounts with A&L and NSandI both of these are earning almost nothing at the moment. I intend to invest in another ISA for 2009/10 asap, with the full allowance. And hopefully transfer the previous 2 years ISAs to the same account. OK, so I am reading through all the info I can find about the best Direct ISA I…
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How long does a ISA transfer take?
Hi all : Just a quick questions really :confused: I began a transfer from an NS&I Direct ISA to Halifax direct On the 19th of March. My NS&I has now been closed which suggests the process is taking place but the funds havent appeared in my new Halifax ISA. How long does the process usually take? Im just a bit concerned…
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Have I just been HAD by NatWest?
Logged into Online Banking today and got a reminder that I "should take advantage of this years Cash ISA allowance" so I duly transferred £3600 from my secondary savings account into my Cash ISA. Then, I later discover - through forum posts elsewhere that NatWest's e-ISA is paying over 2.5% MORE than their Cash ISA, yet I…
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help with a isa ?
hi, i have just open a barclays isa,which was fast and easy to do on line, better then last year lol,, can some one help i have a isa with Ltsb from 2007/2008 ,, can i closes this and the take the money over to barclays to fund this years one , ie say a week later ,, as you no you can not transfer money into this isa from…
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ING Direct ISA
Maybe I am reading this wrong. I opened an ISA last week and successfully transferred £3600 into it before the cut off date of Sunday 5th April. However when i go into my account today it says "Cash allowance ISA remaining for this tax year = £0". But this is a new tax year, right?
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Best ISA fro transferring
I have about £6000 in last years Alliance and Leicester account. Looking round I think the Natwest E-ISA pays about the best rate. As I have my current account with the Alliance and don't really want to move it, would getting a Natwest online savings account and ISA be the best way forward. Does anyone know how long they…
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Clarify rules of new ISAs and transfers of old
The rules as I have read them indicate that you can only invest £3,600 in a NEW Cash ISA in this tax year but the rules allow transfers as well. The current best rate of 3.61% is with Barclays but they do not allow transfers and the current best rate allowing transfers is from Natwest at 3.51%. I have a number of previous…
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A&L ISA Question...Please Help!!
Hi MoneySavingExperts! Last year I opened an A&L Premier ISA 2, which was filled up with the max £3600. I have been looking on the A&L website, and their interest rates page tells me that my ISA is currently earning 5.80%AER. That is pretty good in my eyes, and a lot better than a lot of the current deals out there at the…
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Deposit money into new ISA now, or wait for the transfer from ISA
Hello, I've just set up a new ISA with NatWest and I have sent off the forms to do the transfer from EGG. The transfer takes up to 30 days so what I am asking is whether I could deposit funds for this years allowance, before the transfer has actually taken place? Do I have to wait? I have had a look at the website etc, but…
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Natwest ISA's questions.
Hi all, I currently have 2 Natwest ISA's : 1. Cash ISA, currently getting about 1% ish! :confused: 2. Cash plus ISA, just opened (in this tax year), getting about 4% with bonus :beer: I know I can not transfer money into the cash plus ISA. The question is can I open a Natwest eISA (which pays 3.XX %) and transfer in the…
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A&L Barclays Nat West
Could anyone give opinions on the three following ISAs Alliance & Leicester Reward ISA 3.5% Barclays Golden ISA 3.61% Nat West eISA 3.51% Opinions would be appreciated regarding past history of these Banks relating to dropping of rates etc My wife and I would open account with £3600 each. We have a current Account with A&L…
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A bird in the hand is better?
I took out a Barclays tax beater cash ISA a couple of years ago when the rate was really good but now the interest rate is 1.31%. I haven't put in any money for the 2008/9 year and I'm wondering whether I should put in some money now before the tax year ends or try and find an ISA that pays a better rate. My problem is,…
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Two ISA's for the same year?
Hi there I've currently got a couple of years ISA with ING and due to there poor rate want to transfer those past years to Natwest to get 3.25%. However, for this years ISA I wanted to open a new Barcleys ISA to get 3.61%. Problem is when I'm setting up the Natwest transfer I have to put in at least a £1 to open it. I'm…