We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

New Virgin Flexi 3 Isa
Hi, I have got a Flexi 3 Virgin account from last year (24/25). I have not contributed to an Isa this year yet. Does anyone know if I can pay into this account for the new tax year, or would I have to open a completely new Isa. I would like to be able to keep last years and this years money in one account. Have tried using…
Which company offers low minimum monthly investments?
I've finally got my son interested in opening a S&S ISA but he doesn't have much spare money so trying to find which companies accept the smallest monthly investment. So far, it seems like AJ Bell is the lowest at £25 minimum per month? Any others?
Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
Thoughts on Tembo
Was attracted to their rate and possibility of doing an ISA transfer, so opened a Cash ISA and deposited a test £10. 1. The transfer offer was then halted. 2. Tried a test withdrawal to see how fast funds come back, and the only option it gave was withdraw everything and close account. 3. Tried querying this with customer…
virgin 1 yr exclusive flexi
Hi, I have a virgin 1 yr exclusive flexi. It was funded in Feb 2024. So I guessed it has now matured. Virgin has sent me an email saying the interest rate dropped to 4.1% in May. This is still a good rate. Shall I leave the cash in there? Also, this is called a "Flexi" account, what does that mean? MSE says that a flexible…
Starting with Stocks & Shares ISA - which platform?
So I have decided I need to start saving in S&S ISA. I'm happy where I am on the mortgage and my pension so I want to start building S&S ISA. The plan is that it could be used to bridge retiring at 50-55 vs. when I can access my pension in the ideal world. I'm currently late 30s so I have 15+ years of long term growth…
Transferring Loyalty ISA into Fixed Cash ISA when used allowance already
My Fixed Cash Isa matured into a Loyalty ISA with HSBC. I then added another 20k for this years tax allowance into the Loyalty ISA and I then wanted to transfer the Loyalty ISA into a Fixed Cash ISA. However, HSBC are saying that because I paid my allowance for this year into the Loyalty ISA, I am unable to open a new…
Is transfer a withdrawal?
Hello folks. I have an existing ISA, the balance of which is a bit over the £85K threshold, and I'd like to transfer some of that into a new ISA that I've opened for the 25/26 tax year. The existing account is a fixed rate ISA. Would a partial transfer out be allowed, or would that count as a withdrawal?
Cash ISA maturing in August - leave now or wait?
Hi, I have a Virgin Cash ISA paying 4.47% interest maturing on the 24th August and I can't decide whether to leave now and pay the 60 days interest charge (about £90) or wait until the 24th August? Are rates likely to be lower than now in August? Thanks Paul
Cash ISA providers who allow partial transfers out?
Hi everyone, can anyone recommend a cash ISA provider that allows partial transfers out? I have £40k in a Zopa Smart ISA, £20k of this deposited this tax year. They only allow transfers out in full. I'd love to be able to move this to another provider, and then transfer it in £10k chunks to Santander fixed cash ISA's in…
Rate Cuts 2025 'Crystal Ball'
Question, just looking myself at moving ISA's due to rate cuts but also did I dream it or did Martin Lewis say recently (maybe on GMB this week?) that we should look to move to a fixed rate that is lower than what is currently on offer with the easy access type accounts as the indications are that the base rate will…
Another ISA muddle, sorry!
I have a 2024 tax year cash ISA maturing in June 2025. I recently opened a seperate new 2025 cash ISA in April. Can I renew the 2024 ISA in June (open a new cash ISA with same or new provider) as its already has tax free status from 2024?
Virgin Stocks & Shares ISA
I have a Virgin S&S ISA which has a monthly account charge of around £30 to pay the fees Virgin sell an appropriate amount of shares each month to cover the fees I think there is an option to open another account which you can fund with enough money to cover the annual cost or could I set up a direct debit from my bank to…
Child Trust Fund and Junior ISA- Aberdeen UK all share tracker
Looking for a bit of advice.. My eldest is almost 15, has a CTF (since 2010) which was auto transferred from Children’s Mutual to Forester Life in 2017. He has around £2600 (initial investment was £950 in 2010). Other child 13 has a junior ISA with them, opened in 2012 with £1000 and now at £1900. Both of these Forester…
Tembo Cash ISA - do I lose a couple of days interest on the amount I pay in each time I do it?
Hi everyone Can somebody help me understand something with Tembo please? So they don't use sort code or account number, so we have to pull the money in through their app. These payments take 1-2 working days to clear, does this mean I lose the interest on that amount for a couple of days (or potentially 4 days if I make…
T212 rate cuts
We're adjusting our base interest rate for GBP (Pound Sterling), effective as of 26 May 2025. Your rates will be as follows:Trading 212 Cash ISA: From 4.35% to 4.10%Trading 212 Stocks ISA, Invest and CFD: From 4.6% to 4.35%
Progressive 2yr ISA Fixed paying 4.1%
Might be of interest to ones that have ISAs maturing later in the year. Open with £500 can then be funded by transfer or further cash deposits anytime in the tax year. No limit to transfers Branch or post application (passbook) not visible online account To view on a phone go to ISA'S scroll to 1yr fixed than flick left to…
Company Sharesave to ISA
Does anyone know if i can transfer the proceeds of some shares into a Cash ISA without paying CGT?
JISA transfers.
My daughter has 50k in a junior cash ISA. We’d like to use some of it to open a junior stocks and shares ISA. We found a provider who was happy to accept a partial transfer in but the provider where the cash ISA is would not allow a partial transfer out. Why is this? I can find no legislation forbidding it. How and why do…
Moving Cash ISA
Recently opened a cash ISA paying 4.8% if rate drops are you fround upon by banks if you bounce it around within a short amount of time I.e a couple of months.

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

ISAs & tax-free savings

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

ISAs & tax-free savings

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free