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Kent Reliance ISA - Fixed Rate 1 Year Issue 123 - Payments In
Hi All Just opened up the above account with Kent Reliance, am transferring over an old ex Tessa ISA Bond from Nationwide....I have not opened an ISA this year so still have my 20k allowance. Email from KR with funding instructions - it says "If you haven't done so already, please remember to fund your account with your…
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NatWest 2yr Fixed ISA maturing in 5 days info needed
I have a 2year fixed rate ISA maturing on 4th Sept 2025. I've had no contact at all from NatWest and was hoping that someone could let me know the process at maturity. Does it roll over to an EA isa or is it put into a 'like for like' ISA - Are there preferential rates for the maturing ISAs tia sx
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Flexible ISA and non-flexible ISA annual allowance rules
Hi. Is someone able to explain how I calculate my remaining ISA annual allowance? I have a flexible cash ISA and a non-flexible S&S ISA with different providers. I've paid £2000 into my non-flexible S&S ISA in the 24/25 tax year and it says I have 18,000 left of my 20,000 allowance. Throughout the 24/25 tax year I've paid…
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IG S&S ISA Bonus Rate Ending
Anyone open a stocks & shares ISA with IG a few months back to avail of their 8.5% interest on uninvested cash. With rate due to drop (to I believe 4%) at start of September, I aim to transfer out to a different ISA I hold. Curious what others are thinking and if anyone has any experience with transfers out of IG. Thanks
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Is isa limit £85k or can I add more and still get interest?
I’ve got one isa at the moment at £69k and planning on adding £20k to that with shawbrook. As it is going to be nearly £90k will I still get the interest or is there a limit? am I better to open another one and add £20k there?
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Flexable S&S ISA for HMRC SAYE scheme shares
I'm looking for a recommendation for a Stocks and Shares (S&S) ISA that* is a flexible ISA * allows SAYE shares to be transferred in * has low ongoing and transactional costs A relative has an upcoming Save As You Earn (SAYE) share scheme maturing in a few months. They currently have past SAYE shares in an iWeb Share…
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Transfer from Tembo cash isa to Shawbrook fixed isa
I have initiated a switch Transfer from Tembo cash isa to Shawbrook fixed isa have given Shawbrook the acc- reference number as Tembo don’t use sort codes and account numbers. Also Tembo will have to be switched from from manually as they are not on Shawbrooks list. I have filled out the transfer forms and emailed back to…
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best place to save large amount for grandchildren
I am the beneficiary of my late daughter's work pension death benefit, to be specifically put into savings or trust for my three grandchildren until aged 21; they are 11, 13, 15. ISA's only go to 18, trusts seem costly to run, any suggestions on where to save? it is 40k each.
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Shawbrook or virgin or premium bonds
My virgin fixed cash isa just matured and is now being moved to their easy access 1.2% so I need to make a decision asap where to move. I have £65k in cash isa £40k in premium bonds I will be getting a large sum of money in November. What do I do now? 1. Move isa to virgin fixed at 4.11% and take out £20k from premium…
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Transferring ISA with long notice period
Hi Forum colleagues, I am struggling with an ISA issue and wondered if anyone has any pointers. I have a 40 day notice ISA with Paragon which I want to transfer as the interest rate has dropped but I'm struggling to find a new ISA account that will stay open for 40 days to accept a transfer - I got part way through a…
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ISA advice
I have 2 flexible ISAs. I used my 24/25 allowance and this year used my 25/26 allowance. I am planning on using some of the money for a purchase out of one of them. Will I be able to pay money back into the ISA I take it from...so sort of replacing the money so to speak? Thanks in advance.
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Tax Free Savings Guide
Hi! This is the discussion thread for the Tax Free Savings guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks, MSE Helen
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Chip Cash ISA - different rates
Chip currently offers a Cash ISA at 4.7% but only 3.8% for previous account holders. Is it possible to close Chip completely and re-apply at a later date in order to become a 'new' account holder again? Has anyone done this after a particular time period?
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Any reason to stick with Moneybox?
As above, would there be any benefit to keeping my Moneybox ISA
open with say £500? I opened the account early May with 10k new money plus a 10k
transfer in; the initial rate was 5.71% inc a newbie bonus. It then quickly
reduced to 5.46% & once the bonus expired it dropped down to 3.95%. It’s
now sitting @ 3.7% since BOE…
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Flexible ISA switch funds to standard savings account?
Hi All, I'm fairly new to ISAs and was toying with the following idea; I currently have a non-flexible ISA with a few years allowance built up. Due to my present circumstances, most of my personal tax free allowance is available. I'm thinking that I could move to a flexible ISA, then transfer most of this into a regular…
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Advice on Trading 212
Hi all I am in need of some advise here, my 1 year fixed Isa matured today and I am told is in a very low interest holding account, I obviously don't want to leave it here, so looking on this website I have seen that Trading 212 currently is the leader of the interest rate market, seems great but is it, suffice to say, I…
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ISA Transfer from T212 to Shawbrook
Just wondering if anyone else managed to transfer from t212 to shawbrook, so I filled in the relevant forms and sent them to there email address, got an automated message saying would get a response within 5 working days, and its been 9 days without anything. I contacted them via the phone number and get promised a call…
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£85k FSCS cap - Risk to reward appetite!
I am currently in year 3 of a 5 year fix rate ISA deal with Shawbrook Bank where I’ve been depositing my full £20k allowance each year. I secured the 5.22% deal available at the time (in 2023/2024) which I can take advantage of each new ISA year for the fixed term period. So my question is simply about the £85k FSCS limit…
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Any tax due on a dealing account?
Im sure I read somewhere recently, that anyone who’s a higher-rate taxpayer (40%) and earns more than £500 in interest in a savings account is liable for tax under the PSA. Does this only apply to actual savings accounts? Im asking as i am currently maxing out my S&S ISA each year, and am adding to a dealing account where…
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Transfer S&S ISA to more than 1 Cash ISA
I want to get out of the risk game (I've done quite well but have always disliked the risk element.) Current value of my S&S ISA is worth a couple of FSCS covered Cash ISAs so I'm wondering if there's such a thing as a "cash isa deposit platform" or am I thinking of something that doesn't (or doesn't need to) exist?
