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New ISA time or carry on Trading 212 4.1%
Hi all, taking a breather indoors from being out and about in hot weather, to look at finances, looking at best ISA options for the 2025/2026 tax year - already got a LISA with HL which I'll put £4k into, leaving £16k remaining in this years allowance. - already got Trading 212 ISA from 2024/2025 tax year, circa £15k…
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Cash back via Gift card (Santander)
When was the end date of offer?
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HL Active Savings ISA - Transfers?
Hi, How do ISA transfers work with HL's Active Savings, both transfers between HL and unrelated banks, and also transfers between banks but all with Active Savings? Can you even do those "internal" transfers? I was surprised to see that some of their options accept transfers (Castle Bank) but some don't.
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Maths / Interest question
Hope you can help - if I put £45000 in a Fixed Rate (1yr)ISA at 4.61% how much interest should I get at maturity ( No withdrawals or monthly interest) ?
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Withdrawing cash from a Fixed ISA
Hi all, I was wondering what the best way to get some cash out of my fixed ISA. It’s about to mature and they don’t allow partial withdrawals so I would have to close it. So I’m thinking maybe wait till it matures, transfer it to a cash ISA, take some cash out, and then immediately transfer it again to another fixed ISA to…
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Maturing Fixed Rate ISA
I have a fixed rate ISA maturing in July. I am thinking of putting the money into a Variable Cash ISA which pays a bonus rate on top of the variable rate.The new account allows transfers in at a lower rate of interest. I don't intend to add any extra money into the account other than the existing maturing ISA. Should I…
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Shawbrook Bank are a complete shower!
I've been trying to transfer my matured ISA from Shawbrook to another bank for over a month now. Despite me filling the forms in correctly, requesting old monies only, my transfer request has now been refused around 5 times because they say I'm trying to transfer the current tax year's allowance! I'm at the end of my…
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IG 8.5% rate for new customers - any catch?
Just saw this https://www.ig.com/uk/investments/share-dealing Was thinking about moving 100k over from T212 and taking advantage for a few months, but are there any catches? Has anyone else done this? How easy is the transfer? Thanks
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Property Asset and LISA
I'm already named on some property deeds - although I didn't buy the property and it's never been my home (it was gifted to me). Will this mean I won't qualify for the 25% bonus from my LISA when I buy my first home?
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Daughter about to inherit some money
Hi. My 21 year old daughter is due to inherit @£60k this month from a trust fund. Would anyone have any suggestions on how best to invest it. She already has a few thousand in standard cash ISAs and a few thousand in savings. She is very good with money. The money was always intended as a deposit for a first house and…
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Cash ISA - Trading 212
I picked this account as it was the best rate shown on the MSE website. I opened the account and intended transferring money to the account from my HSBC account. I was asked whether I wanted to use its "Truelayer System" (recommended) or via my bank app. I chose the former and after inputting my account number I was asked…
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Help to Buy ISA - Stick or Twist?
Hello All, I am a 50+ year young person ;) and have never had a mortgage. I do not have a regular income but have in total a reasonable amount of savings. Included in my savings is a Help to Buy ISA which I started with optimism many years ago. I haven't added to it for the last few years because I have found better…
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Full ISA Guide Discussion Area
This thread is specifically to discuss the Full ISA Guide To discuss or ask a question about this article: click reply
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Quick query
I transferred funds from an old ISA into a new ISA. The funds transferred are made up of £10,000 from 24/25 and £2,000 from 25/26. Presumably I have £18,000 left to deposit in a ISA for 25/26?
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Never understood it
I would love to start an ISA but have no idea how to do so and what benefits I get from this. Where is the best place to open an ISA where I'm getting the most out of it? How much realistically can be made from it for the future?
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Ford Money ISA Rate
A quick question because im not 100% even after speaking to a rep at ford money ,does anyone know if the rate of 4.35% is for new cash isa's or if it would change for transfers in from another bank. Im currenty with Trading212 and considering alternatives ,its a slight improvement over thier 4.1% but being a ford money…
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Increase pension or Stocks and shares ISA?
I'm 58 and don't have much of a pension tbh - maybe 12 years worth of company pension at say, £130 (ers and ees) premium a month. So it's there but the bare minimum. I have disposable cash due to a new job and would like to save a regular amount for maybe, 5 years. Would I be better opening a low risk stocks and shares isa…
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Can't transfer ISA from Monument Bank to Castle Trust Bank
Has anyone else had issues transferring their ISA from Monument or to Castle Trust? Both me and my husband are having issues and both banks are blaming each other. Castle Trust are saying that Monument keep rejecting the transfer request and Monument are saying that they have not received any requests. I don't know who to…
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MSE News: Martin Lewis: Is a Lifetime ISA win coming in the Budget?
A penalty paid by first-time buyers accessing savings in Lifetime ISAs (LISAs) when buying homes above the scheme's £450,000 property price limit could be scrapped, it's been revealed... Read the full story: 'Martin Lewis: Is a Lifetime ISA win coming in the Budget?' If you haven’t already, join the forum to reply.
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Query re bereavement and ISA allowances please
My wife, who passed away from cancer just under 3 weeks ago, had a range of Stocks & Shares and Cash ISAs from a variety of providers from previous tax years but had not contributed to a new ISA this tax year. I think I more or less understand the regulations affecting 'Additional Permitted Subscriptions' but would welcome…
