-
Cash ISA Transfer Query
Hello all I have funds in a cash ISA with Principality which were added in the 22/23 tax year but i want to do an ISA transfer into my Chip ISA which i opened this tax year. I was waiting a few months because Chip didn't accept transfers in when i first opened the account with them, now they do accept ISA transfers in but…
-
Less tax when selling shares
Question I have £20,000 worth of shares I want to sell anyway to pay less tax when selling i A bed and isa into a flexible ISA? Also I have a flexible ISA and had shared which I sold and removed the cash so my allowance on my flexible ISA is £20,000 Can I open a non flexible ISA with dorrent broker and buy a fund?
-
ISA Allowance
I have my full allowance for last year invested in a Plum cash ISA. I now have this years allowance in full available to invest. Should I add it to the same ISA or open a new one? Adding to the existing one would still keep me below the 85,000 secure limit.
-
T212 ISA.
Hi, has anyone had difficulty in opening their T212 ISA app. I’ve invested with this company and now can’t get to open the app to take money out. Worked fine for the first few days then nothing. ☹️ I have opened a ticket but heard nothing back 🙄
-
Cautionary tale about Trading 212 ISA
Last week my wife fell foul of the Trading 212 T&Cs and as a result they advised her that they were terminating her account with immediate effect. The reason was because both she and I had opened T212 accounts using my mobile phone. Different email and logon credentials, different proofs of ID, etc. However T212 sent her…
-
Transferring stock & shares ISA to cash ISA, can i also open another cash ISA
Hi, I'm new and also completely unfamiliar with ISAs, so please be kind. I have a stock and shares ISA maturing which I want to transfer to a cash ISA, I'm looking at a 2 year fixed cash ISA. Can I also open another cash ISA (easy access or 1 year) to put this years ISA allocation into? (I'm assuming the stocks and shares…
-
Can my ISA provider refuse to transfer Gilts via CREST and force a sale?
Hi, I am moving my stocks and shares ISA from one provider to another. I have some Gilts in my ISA, which are available for hold and trade with both ISA providers. However, the destination provider only process transfers through Crest and it appears the source provider is currently holding the Gilts on Euroclear, creating…
-
ISA Setup Help
First time ISA for me and the Mrs going for the Virgin at 5.05% Looking on the site it says it matures on 30/6/2025 It might be a month before I'm ready to fill them up so would it be a good idea to open the accounts with a couple hundred quid to secure the current interest rate ? If I wait to open the accounts will the…
-
Lifetime ISA v Pension
I am looking to give my children £100 each per month which they can use towards a first property. I have a number of questions on this on which is the best route to take. My children are aged 20 and 18: I am 56 years old. 1. If they open a LISA and I pay in £1200 per year, then they receive a 25% bonus from the government…
-
1 or 2 yr saving account?
Hi, my 2 boys who are now young men have each had a smallish amount of money invested in stocks over the last 6 yrs. They will be needing the cash over the next few yrs. They want to put it into a bank and not touch it for maybe at least a yr. I have spent a lot of time trying to find a good rate, I was hoping 1 of the…
-
SS ISA to CASH ISA
I am 'reviewing' my 30 SS ISA funds which have more or less remain the same funds for over 20 years. The plan made by my ex IFA was to acheive a 6% return (not guaranteed). The total fees ( fund manager, 'IFA' and platform) is around 2 - 2.5% With this in mind, I would like to work out whether the funds are performing as…
-
Nutmeg ISA transfer
Hi could anyone advise me. i want to transfer stocks and shares ISA to Vanguard. 2 stocks are already vanguard funds so need to be in specie incurring a £40 charge, the rest are non vanguard funds so will need to be changed to vanguard ones so presumably there will be fees at other end another alternative is to liquidate…
-
Trading 212 Cash ISA 5.2% - MSE Weekly Money Tips 9 July 2024
We thought this looked a good one to invest in. Completed the application online with our bank details. Their website link to our bank would not accept our initial payment. Phoned our bank and who said other customers could not use the website either. Suggested we set up a BACS payment for £10 for starters. Several days…
-
Trading 212 for ISA
Can one invest in Vanguard ETFs through Trading 212 ISA vehicle to cut costs? Would that be 1.Economical2. Protected by FSA (value of investment can go as well as down, I am aware. This is if the Trading 212 goes belly up?)
-
Cash ISA Transfer - Loss of interest during transfer
I've recently transferred a Cash ISA from Cynergy Bank to Trading212. As part of the Cash ISA regulations there should be no loss of interest to the customer when this occurs. The old provider should pay interest up to the point the new provider starts paying interest. The transfer completed on the old account on Friday…
-
ZOPA ISA Transfer Out Penalty Clause
Hi All, I opened a fixed term ISA with ZOPA in June last year (depositing £20k) which unlocked and changed into an 'Easy Access' ISA in June this year. Prior to the first above unlocking, I opened another one year fixed term ISA with ZOPA (for this tax year) depositing a further 20k, which is of course now locked until…
-
ISA transfer from Chip to Moneybox
Hi. I have an ISA account with Chip, that was funded using last year's allowance. I want to transfer my ISA to Moneybox as the rate is higher. The problem I have is Moneybox is asking for account number of my Chip ISA account. I cannot find this anywhere on the Chip app and I have tried contacting them via chat without…
-
Bewildered by ISA's
Hi, I am struggling to understand how ISA's work? If anyone can help me, I had an ISA mature and requested the proceeds be placed into a 1yr FRISA. This was opened at the start of the new tax year (24) I also have a triple access ISA with an anniversary date of March '25. My question is that my account is showing that I…
-
Trading 212 - are they being a bit cheeky?
It's stated in the T&Cs that all money contributed by you is held in banks and explicitly not QMMFs so are covered by the FSCS. However, if you enable interest, this cash is held in QMMFs and not covered by the FSCS. I take it to mean that all interest is paid into a QMMF and therefore not covered - as they're contributing…
-
Question maturing fixed rate ISA
Hi All, I’ve got a Santander Fixed Rate ISA maturing soon and received a message that it will be automatically transferred to an Everyday Saver. I thought that it would automatically be transferred to another ISA (although lower rate) and it was possible to accumulate the tax free savings in ISAs each year (i.e. after 2…
