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5 Year ISA
If I take out a 5 year ISA with the maximum deposit of £20000 does that mean I cannot open any more ISA`s in the future until this 5 year term has lapsed
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What is the best UK ETF that tracks the Nasdaq 100?
Ideally a low share price as my broker does not allow fractional shares. My main query is whether to go for synthetic replication or physical? I do like n100 from ishares, and see them as a trusted company. But on the other hand, I do like owning my stocks but could stomach owning a synthetic etf if it means I avoid 15%…
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Google / Alphabet Shares - UK or USA exchange ?
Been looking at the google shares recently and noticed that it trades on both the UK and USA exchanges - Read that the 0RIH is the equivalent of the Alphabet Class A shares but is bought in GBP . both have pluses and minuses ( exchange rates - withholding dividends etc ) . If buying , would it be best to use the UK…
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Holding dual child cash & stocks junior ISAs
Hi, hoping for some help here please. We have junior cash ISAs for our two daughers, which both have a substantial amount in. Now we're thinking of stopping contributing to them, and instead letting the balances rise with annual interest. The reason is that we'd like to open for them each a stocks & shares junior ISA, and…
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Kent Reliance - loss of interest on matured ISA
I had a 1 year fixed ISA with KR, £10k, which matured on 13th November. I received a letter less than a week before that date telling me that unless I gave instructions, they'd put it into another fix (!) I managed to get through on the phone and gave instructions for them to put it into an EA ISA at 3.85%, just to give me…
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Maturing cash ISA transfer help!
My current idea matures with Coventry the options are very poor. Ideally I want to transfer to different providers so I can get one on monthly interest payout. How can you state how much you want to transfer when you don't know the balance until maturity and they say if they don't hear it will be automatically put in a…
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LISA conditions
Hi, My daughter has just started saving in to LISA. I intend to leave my home to her and my done which will be mortgage free. Can the LISA be used to raise half the value as a mortgage to pay off my son? Thanks
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change of name. deed poll insisted on by building society...
I know there is a similar thread but it didn't seem to address my query. I have a savings account with coventry building society and I want to go back to using my maiden name not my married name. My driving license, bank account, passport etc are all in my maiden name & I'd like my savings account to do the same, but…
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Transferring a Cash ISA to Hargreaves Lansdown Cash ISA
Hi, Has anyone managed to transfer a Cash ISA to the new HL Cash ISA at 4.55%? The process doesn't seem to be very straight forward - the cash ISA with your current provider needs to be transferred to a HL Stock and Shares first, then from HL S&S to HL Cash ISA. I am ready to send my application, however I am wondering if…
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Monument ISA transfer in.
Can anyone that has had an ISA transfer to Monument complete in the past day please advise how long it took. I'm in the process of transferring an isa to them but it will take me above the FSCS protection limit and need to initiate a partial transfer out to lower the balance.I'm wanting to gauge when that might be as I'm…
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NatWest cash ISA guidance weirdness
Hi all, I have a NatWest cash ISA from last year and after being unwell this year am only just getting around to updating my accounts for this years allowance. My NatWest ISA already has the cash ISA interest rate they're offering for this year, and when I tried to open a new cash ISA, it refused to let me open it as I…
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Simplifying multiple ISAs.
I currently have 2 ISAs and need advice on making them into one. The first, from 2024/2025 is with Virgin Money and turned into an Exclusive Flexi ISA 3 when the one year fix ended. The second, for 2025/2026, is a Nationwide FRCISA 1 year which ends on the 7th April 2026. My question is do I have to wait until the…
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Trading 212 Cash ISA - Impossible to transfer ISA out!
A WORD OF WARNING! T212 makes it easy to accept a transfer in. But Transfers out are almost impossible. Every ISA provider demands an account number, sort code and (optionally) a reference number to accept an ISA transfer in. T212 doesn't give you a sort code or proper account number. Their 'account number' is just…
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Trading 212 - bonuses not accepted
I used an MSE link when I opened a cash ISA with Trading 212 just weeks back. After the account had been opened for just a short time I realised that they were *not* paying the bonus stated in the MSE letter. I queried this with T212 and they told me that I opened the account while no bonuses were on offer - despite using…
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(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
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Transferring an investment ISA to a cash ISA
I have an investment ISA and want to transfer it to a cash ISA. I wanted to open an ISA with Charter Savings Bank but they don't accept transfers from Invesment ISAs. I've had a look but can't find anyone who does - does anyone know of a company that will accept such a transfer? TIA.
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Maturing ISA transfer issue
Hi, I have a cash ISA maturing in around 2 weeks time - I've done plenty of transfers before but not come across these issues before: - the maturing ISAs I've had previously would move into an easy-access ISA if no other option were selected - this one however defaults to moving into a new 1 year fixed ISA, on a poor IR,…
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ISA's HMRC re-Investment restrictions
Hello all, I wonder if someone with experience in this field could clarify something for me; Example scenario is I have £10K in a stocks & shares ISA with Friendly bank. FY 24/25 I put in £5K, FY 25/26 I put in £5K. If I close the S&S ISA selling back the shares lets say for ease I get back exactly £10K. As I understand…
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Trading 212 Cash ISA Transfer In
The rate offered is great (a loss leader). Be aware that there are a very limited number on banks they will accept transfers from and you only find this out after going through the whole acceptance process AND having to contact an adviser through their BOT.
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Relative has a JISA and CTF!
I have a relative whose parents are seperated. One set up a CTF a few years ago and the other recently set up a JISA. They only recently discovered each other had done this. I told them I don't think they are allowed to hold and pay into both at the same time and looking into it that seems to be the case, so I am trying to…
