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Nationwide ISA has ended - what should I do? Please help.
So, we made an appointment just over a year ago with Nationwide. We wanted to take out an ISA £20k each - we had that in premium bonds and getting nice little wins, but nothing compared to the 6ish % (got nearer 5% in the end) At the appointment in the branch they "didn't have time to open two" We took out a 12 month Cash…
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ISA changes (or lack of changes) in the Autumn 2024 budget
Nothing in the speechAnd scroll down from this HMRC link and ISA limits unchanged for 2025/2026 https://www.gov.uk/government/publications/autumn-budget-2024-overview-of-tax-legislation-and-rates-ootlar/annex-a-rates-and-allowances
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Question about transferring and opening a new isa in the same year?
Hi, Excuse my ignorance please!! I wonder if anyone can advise me please? I have an existing ISA with NatWest where the interest is about to reduce after 12 months. i am looking to transfer this ISA to a better paying one (circa £20k). In addition to doing this transfer to a new ISA, can I also open another new ISA to…
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Cheapest platform for me?
Hi, I currently have £25000 in a vanguard isa £4000 in vanguard sipp and £25000 in dodl sipp. Both vanguard and dodl charge 0.15% fees. I buy a fund every week as I’m self employed and get paid different amounts some weeks I pay in £200/300 some nothing so dealing fees for me has to be zero which is why I’m using these two…
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Trading 212
Hi, has anyone any experience of T212? ISA rate at 5.1% looks good. Bfg5013
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Marcus ISA Transfer
Has anyone had experience of transferring a cash ISA from Marcus to another provider. On their website it says they don't support BACs to transfer funds. Does this mean it'll be done by cheque?
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Poor rate for Virgin ISA maturity transfer - workaround
Hello, fixed rate Virgin ISA due to mature next week - need a flexible rate going forward. Only one offered on Virgin screen is 0.1%. They have a much better rate for new ISAs but presume not open to us. To get a higher rate do I need to move to that, and on same day open a better rate ISA with other company, and then…
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Intoa ISA
I am ALL cash (no ISA). Re budget. I s anyone banking on going into an ISA hoping that 'past' ones will not be touched? If I get one now, there is nointerest to be touched and ifeasy access, can find somewhere else to stick it (hopefully!)
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Transferring Cash ISA with both previous year and current year deposits
I want to transfer a cash ISA as the interest rate is dropping next month. The issue is it has both previous year (8K) and current year (2K) contributions, does the new provider get a breakdown of previous / current year when I transfer so it doesn't affect my current year allowance. I don't want them to mark 10K againest…
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212 isa
I have open a 212 everyday isa. I have been using it just like my bank saving account just allowing 3 days for money to be transferred. At present I'm really pleased with the way it's working. My question is I have a Lloyd's isa that will mature on 7th December. Is it a wise idea to switch this isa to my 212 isa account?…
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Transferring from Aldermore to Trading 212
Hi, I have a 30 day notice ISA with Aldermore opened in tax year 23/24. I am looking to transfer it to Trading 212 which is where I have this tax years ISA .When I go into Trading 212 to request transferring in Aldermore it's not listed but when I type in their name it says Aldermore.Plc (Post only) When I click on it, it…
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Fractional shares now allowed in ISAs
From Nov 4 2024, fractional shares will officially be allowed in S&S ISAs and Junior ISAs (and CTFs). Fractional shares held before this date in these tax wrappers are included in the permission. These fractionals cannot be transferred, however, so you might have to sell them if you want to transfer to another provider.…
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To Fix or Stay Easy Access
Hi All With interest rates set to reduce over the foreseeable, what are your plans for any current ISA Renewals. Easy Access - 4.8%-5.1% Current rates but could reduce. Fixed 1 year - 4.4%-4.61% fixed rate for 12 months. My current plan would be to gamble that the easy access rates come down at a slower rate or not at all…
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Can I add next year to a fixed ISA?
Hi, I’ve come in to some money and looking at the first time at ISAs. I’ll be able to add £20k each tax year for the next few years. Which do you think is a better option, put this years £20k in a 1 year fixed, then open a new account each tax year or, open a flexible ISA and add £20k to the same account each year? Any…
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Maturing ISA - partial transfers
I'm an ISA newbie, as I never had one until I inherited a reasonable sum a year ago (I could not afford to save before that), so I've learnt a LOT from these forums about ISAs and savings in general, so thank you! So...I have a Co-op Fixed ISA £20k 5.59% which matures next month and goes into a Co-op instant access ISA at…
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Lifetime ISAs
Before I turned 40, I opened a Lifetime ISA (LISA) with £1. I have £8000 in a savings account. At some point in the next five years, I want to buy a house. Am I right in thinking that I can only pay £4000 a year into a LISA and the bonus is added that month? So I pay in £4000 today and it'll become £5000 in the next few…
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Multi Deposit ISA
Does an ISA exist, where you can open now with a deposit and top it up monthly. Then put a final amount in March 25.
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Maturing ISA funds query
I have a 1 Year Fixed Rate Cash ISA which matures in November
2024. It holds funds from previous
maturing account elsewhere (2021 – 22) and monies from 2022-23. I also have two ISAs for 2023- 24 and 2024 – 25
with differing organisations. Am I allowed to re-invest the maturing funds into the same organisation
without…
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Switching between types of ISA, LISA and between providers
Good morning! I joined MSE forum recently and have learned much about pension; really appreciate people's help. I also realise that I don't do anything with S&S (stocks and shares) yet. Since finishing sorting out other money matters, I have only put in 2 years' ISAs, both cash, which I merged together in November 2023 to…
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Coventry Four Access ISA (Online) (2) @ 4.80% AER
Coventry Building Society launch Four Access ISA (Online) (2) @ 4.80% AER variable. - Online only - 4 withdrawals/transfers a year including internal transfers - Accepts current/previous year(s) ISA subscriptions - Charge equal to 50 days interest on withdrawal amount from the 5th withdrawal. - Limited issue
