ISAs & tax-free savings

Hi, I'm confused about what's legally allowed when operating a Flexible ISA in conjunction with other non-flexible ISAs. In theory could I contribute £15k of my annual allowance across cash/S&S ISAs and then with a flexible one could I contribute £10k and ensure that £5k is withdrawn to ensure a net balance of £5k, thereby…

I’ve a couple of Santander fixed rate ISA’s with weird interest payments (and Santander live chat isn’t helping) Account 1 - £20k deposited 30/09/25 with interest of £2.14 paid on 02/10/25 Account 2 - £20k deposited 09/04/2026 with interest of £50.03 paid on 02/05/26 Anyone any plausible reasons why or do I have to wait to…

Finally getting myself into action. I have a matured cash ISA from last year to find a new home for, and this year's cash to invest too. I'm attracted by CSB's rates (4.63% 1 year, 4.72% 2 year). Am considering putting the transferred ISA into one, and the new ISA into the other - to hedge my bets against what rates might…

Hi, I have two ISA's maxed out, both at 4.28%. Different companies from the 2025/2026 and 2026/2027 current tax year. Both cash ISA's but only one is flexible. I have a few questions I wanted to ask please. Is there any benefit to having them separate? If I combine them into one and then in the future if I wanted to split…

Hi, I've put funds in to the above and now want to invest in ETFs for my children (1 year old and 3 years old) . My criteria is: Low fee Accumulation funds so that any returns are re-invested focus on how the fund has performed over 5 years Good georgraphic spread (not all US as many fudns are) Idealy a UK fund manager…

I am with 212 for cash isa and in the last 3 months Santander. I find the latter impossible to speak to. It's all automated and I've been trying for 3 days to speak to a human. In regard to 212 I am trying to move out partial ISA money and they keep saying they have not received it(isa transfer request). I am at the point…

If I open this ISA and then start an ISA transfer that won't be completed until end of September 2026 which is the maturity date of the ISA being transferred, what happens to the Coventry ISA? Does Coventry close the ISA as its too long to wait or does the ISA stay open with a zero balance until the funds are transfer at…

Hello, I currently have a Help to Buy ISA l. I am looking to buy my first property next year with my partner. However, my partner already has a mortgage so would not qualify as a first time buyer. I am wanting to know whether I would still be classed as a first time buyer if we were to purchase a property together? I am…

just a quick 1 here, my fixed isa is due to mature mid aug ive had a email from shawbrook asking what i want to do with my isa when it matures, its giving me the option of putting it in a easy access 4.21% (current fix 4.31%) i was wanting to hold out to see if the rates will rise in mid sept due to the iran war pushing…

Would appreciate people's feedback and suggestions on my plan for transferring away from Chip's Cash ISA now the interest rate has dropped to 1%. 1) Transfer Chip Cash ISA > Chip Smart ISA 3.75% REASON: Pending interest accrued but not yet paid on Cash ISA will be transferred. Believe I'd lose this if transferring direct…

Applied for Coventry BS 2 year FR ISA (334) - noticed this account withdrawn day after letter dated with application forms sent out (unsure why couldn't open online as had previous account) Will they still allow account opening given state of postal deliveries ?

I've already used my £20k ISA allowance for this year. I have an easy access Cash ISA with Tembo (totalling £40k+) which I want to transfer for a better (and possibly fixed term) rate. Am I right is assuming that transfers are not subject to the £20k allowance limit?? i.e that a transfer does not constitute a new payment -…

Hi, I wonder if someone can advise on a couple of queries, or point towards reliable sources of advice/information. In the circumstances where someone has sold a main residence and is living “temp” whilst searching for a new property over a good few months, what might the savings and tax considerations be, if any, for the…

I applied for an Investec 1 Year fixed rate ISA yesterday and on reading t and c's after applying noticed that on maturity the interest appeared to have to be paid away into your linked account. this seemed really odd to me so went onto their chat and this was confirmed that on maturity the Isa transfers to instant access…

Which banks can a 16 year old open a flexi cash ISA? He has a Virgin Money Cybersave account which offers very little interest and I would like him to open an ISA to start saving in that instead.

Does anyone know of a savings provider who'll accept an online cash ISA transfer in from Trading 212

Tax update 2026: simplification, modernisation and fairness summary - GOV.UK ISA Reform The government is confirming the anticircumvention rules to support reforms to ISAs announced at Budget 2025 as part of the government’s wider strategy to develop a retail investment culture. To prevent circumvention of the lower…

Wow, that was fast. Really fast! I initiated the on-line transfer today at 15:26. Funds received by T212 at 16:23. Why can't it always be like that?

For the purpose of this, let's ignore the workplace pension before we deviate down that road. Current situation - I pay in an amount each month to my SIPP (Fidelity). Come the end of the tax year I see what the bank balance is like & how much I feel we can afford to say goodbye to & split that amount 50/50 between the wife…

Anyone had problems moving money out of Skipton to another ISA? I am weeks in to the process and so far have had several letters from Halifax stating Skipton have found a mis-match between details provided by Halifax and their own records. We have checked everything and spoken to Halifax. The only thing we could find was…