-
Moving money from standard savings account to an ISA
We have had a joint instant access savings account now for a couple of years and because of more favourable interest rates than when we started, this tax year we may be required to pay tax on the interest. If we open individual ISA’s now and transfer the maximum amount each out of the savings account, will that lessen the…
-
Trading 212 Cash ISA
Opened a new T212 Cash ISA to transfer into. I was 73rd in the 'queue' and kept being reminded to add funds to receive 5.03%. I was waiting for the transfer to be administered by them. Finally the transfer was done and they advise me now that my interest rate is 4.5% only. I missed the deadline through no fault of my own.…
-
Chip ISA Promo Honoured for Transfers In?
Chip has a promotion for six months with a boost of 0.68% to take it to 5% for new customers paying in this tax year or transfering existing ISAs. To get the promo you must pay in £1 within 14 days of opening. I think you can see the catch for transfers: if you have maxed out your £20k payments this year you can't pay the…
-
ISA APS allowance
Sorry if this has been asked before, but searches on here didn't shine much light, and information from the banks isn't helpful. My wife passed away and had a cash ISA with Natwest. I have probate, and am the sole beneficiary. I bank with Barclays, so would like to transfer the APS to them. For this, Barclays has forms to…
-
CASH ISA ON MATURITY
I took out a 1 year fixed cash ISA in the 2023/24 tax year(£20,000).
It matured in March 2025. I have moved/transferred it with the same provider to
a new cash ISA. Do I have to use my 2024/25 ISA allowance to cover/provide for
this. Or can I use my 2024/25 ISA allowance for a new ISA.
-
Chip ISA
I'm looking for a flexible easy access cash ISA with no limits on withdrawals, and chip looks like a good possibility. Does anyone have any experience of them? Any issues?
-
ISA allowance question regarding Inheritance
Hi folks, I have a question regarding inheritance and ISA allowances. Can ISA allowances be passed onto children from parents as part of inheritance? I know that upon death that ISA's are cashed out and given as cash and passed onto children (which may be subject to tax) - however can the allowance be passed over? So for…
-
First Time ISA
Good Morning, I am hoping some one can please point me in the right direction. I have some money in a savings account but would like to place this in a cash ISA instead. The issue is this money is to go towards a house purchase sometime this year so I will need quick access at the time without losing any interest. Also can…
-
Drip feeding stocks and shares isa from a cash isa
I just wondered if this is possible? My fixed isa has just matured (around £10k). I want to put more into my existing stocks and shares isa but don't want to do it as a bulk transfer/purchase. Can I open a new cash isa, transfer the matured isa money to that, and then transfer a bit each month from the new isa into my…
-
The Trump Slump
I should have copied Buffet and bailed out of equities before Tariff Trump trashed my S&P 500 ETF What to do now?
-
Trading212 or HandL Active Savings Account
Can't decide which platform is better than the other any one have any experience with either
-
Plum open banking connection
A few weeks ago I opened a cash isa with Plum and today established an open banking connection between my bank and Plum so I could make instant transfers into my ISA. In setting up open banking Plum asked me to agree to read only access to my current account, which is usual for open banking connections and which I have…
-
Help with an ISA.
Do I have to take the interest that I have earned on my ISA out at the end of the year. As this will be over the 20K allowance. Or can I keep the capital 20+ interest in the same account for the next financial year
-
Any help appreciated
I am retired and pay tax on my private pension (<£20k as not yet on state pension), my wife just transferred some of her tax free allowance to me so I will be receiving a rebate of over £500 for the last two years , THANKS TO MARTIN!! :) BUT after an imminent inheritance we will be putting as much into ISAS as we can…
-
Cash ISAs
I've currently got a cash isa with Co-op and I'm happy with it. I've seen an offer with Chip which sounds good. My question is, can I open a cash isa with Chip if I've already got one with Co-op? I've not added anything to the Co-op isa and do not intend to. Can I keep that and have one with Chip? Is this allowed? Do I…
-
Nationwide HTB to trading 212 ISA transfer
I want to transfer my nationwide HTB ISA to trading 212. I'm aware this means losing the HTB status of the ISA. Is this something that's allowed? A HTB ISA is fundamentally just a cash ISA, right? Do I put both parts of my nationwide account number - the 4 digits before the / and the 9 digits after - in the "account…
-
ISA Maturity question
Hello MSE forum, apologies if this question has been asked before, I did browse but couldn't find the same circumstances. Anyway, I have a Barclays ISA from 23/24 that's due to mature on the 28 of this month (a week or so before the financial year changes) can I transfer it in to another ISA account within Barclays when…
-
Can I open an ISA if I put £1k into one that matured in this tax year?
I had a fixed rate cash ISA that matured in December 24 and I elected to reinvest the money with the same provider. It wasn't at the max £20k, and I had a short window of time where I could add funds, so I put in another £1k by the January 25 deadline. My question is whether I can open a new ISA now before 5th April and…
-
New invester where to begin
Hi, First apologies new to this board and investment in general and i am sure this has been asked time and time again. I want to start investing in stocks and share isa both for myself and daughter in junior isa. Set up an account with vanguard as i just wanted to get the ball rolling really. For context im 37 higher rate…
-
Cash ISA that acepts bank transfer
Which ISA providers give you a proper account number and sort code that will accept a bank transfer initiated from my current account? I don't want to use a provider that can't accpet a transfer that I initiate. I tried the top two ISA providers on the MSE list today and neither of them give a proper a/c and s/c, both rely…
