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ISAs & tax-free savings

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

JISA Transfer from Vanguard to Fidelity
Hello there, I have a JISA S&S for my 14 yo daughter with Vanguard investments. The current value is just over 60k As there is no maintainance fee with Fidelity for jisa, I was thinking of transferring it over to them. I had a few questions please- 1. Approximately how long would it take? Have read can take upto 8 weeks.…
LISA and H2B ISA
If I have a help to buy ISA and my partner has a LISA can both bonuses be used towards buying our first home?
Interest payment
Hi, Firstly, I do ethical banking etc. In late November 2022 I opened a instant access cash ISA at 2.70 % interest. Just after the 05.04.23 I checked my account to see what interest my money had earned. I was some what disappointed at how little I got, I don't want to divulge my amounts. I contacted the building society…
Cynergy Online ISA - Remaining Annual Allowance glitch
Anyone else seeing a minus figure for the remaining annual allowance figure on the Cynergy ISA? E.g. £5k total paid into the ISA but the remaining allowance e showing as minus £21k
Using a LISA to buy into partner's house
Hello, My partner already owns her house and we are planning that I will move in to that house soon. Eventually we are planning on remortgaging the house and that I would buy in to also own the house. My question is can I set up a LISA and use that to buy into her house? It would be the first house I have owned and the…
ybs loyalty six access isa postal/branch
Anyone who has a YBS loyalty six access isa postal/branch version, how did you apply for the application?I don't have any branch near me at all. I already have e-isa version
Moving NSANDI ISA to higher rate
I've already opened a 23/24 ISA, and am also transferring some previous year xx into it. That still leaves funds in an NSANDI ISA, on a paltry rate. I believe you can open another ISA simply to transfer? Silly question - is there any benefit at all to having funds in NSANDI at a lower rate, beyond having it neatly in 1…
Electronic ISA transfer from S&S to cash
I'd like to transfer part of a stocks and shares ISA to a cash ISA. The stocks and shares ISA is held with interactive investor. I'll probably be doing this every couple of months over the next year as I sell off differnt funds from my s&s ISA. As I will manully sell the stocks/funds first the transfer will just be cash.…
Santander ISA transfers in - experiences with timings?
I suppose it's busy season at this time of year, but what has been your experience with ISA transfers into Santander recently? Be it from Barclays, Nationwide, Paragon, Shawbrookm Skipton, Coventry etc... Assuming the transfer request was completed online.
One or two year fixed rate?
Want to move my ISA to a better rate sharpish.So my research has been brief but with your chrystal balls, would it be reasonable to go for a 2yr at over 4% with the view that seems to be, inflation will drop and so will the interest rates?I'm thinking that even if it does rise some in the next year the chances are the…
Portfolio cash ISA providers for current tax year.
I would like to find a cash ISA provider that allows 'Portfolio' cash ISA accounts using this years allowance of £20k. My intention is to split the allowance into a 2 year fix and a 3 year fix. Needless to say, I am looking for competitive rates. I have searched for information about providers who accommodate this, but…
What is classed as one ISA per year?
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ISA Transfer
Hi I have a cash ISA which has been dormant for a few years in a low interest account, I am looking to transfer to a higher interest account with another provider. My question is if I transfer can I still deposit this years (2023) allowance or do I need to deposit in to the original account then transfer.
ISA / LISA strategy query
Hi all, I currently have a S&S ISA and a (separate) cash Lifetime ISA. I was considering converting the LISA to a S&S LISA, but it appears this isn't possible since I can't pay into two S&S ISAs - is this correct? I.e. if I already have a S&S ISA, my LISA is doomed to being a cash (or innovative finance) LISA? Thanks, B
Nutmeg Cash Pot
Hi as per the MSE email it states you can hold ‘cash’ in nutmeg S&S isa in the cash pot and interest currently at 3.5% does anyone know how often that interest is paid on money waiting in the pot to be invested?
santander isa e reward £50 voucher
Having issues trying to get Aldi reward. I try to fill in the choice option but there is no choice to put in an email address the screen just goes blank. Any one else having difficulty? thanks
Rollover of matured Fixed rate Isa with the same provider
my fixed isa just matured in this current tax year 2023/24, the provider advised the usual 'we will put the funds in flexible isa at a low interest rate'. I looked at the products available and the same provider had a reasonable interest rate for a 2 yr isa, so I rang them and specifically asked if moving the funds on…
Regular saver ISA
Is there such thing as an ISA that accepts regular monthly deposits? I have a set amount of money each money I'm able to save, and have exhausted other regular savings accounts. I am in the fortunate position where I have a high amount of savings, and being a higher rate tax payer, my interest on savings will exceed the…
Loss of ISA allowance
I opened a1year Fixed rate ISA with Santander on 9.4.23. Within the 2 week 'cooling off'period I asked to cancel it but I've been told if I do I will lose my ISA allowance for this financial year!! Is this correct please?
Will I get the £50 voucher from Santander?
Hi Folks!I noticed today looking at my old Isa that the money has left the account so I assume the transfer to Santander is complete as I'm still waiting for a login for online banking access with them. I was looking at the terms today though that has me second guessing whether or not I will get the £50 incentive from them…

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