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Topping up old ISAs
I have a cash ISA and several Stocks and Shares ISAs from previous tax years. I have had to take out most of the money of two of the ISAs as I needed the funds. Am I allowed to top each of them up again, back up to the £20,000 limit, when I have more money available again? Or is it the case that once I’ve taken the money…
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Tembo suspends ISA transfers
Tembo have suspended their Cash ISA transfer In option due to high demand. It also looks like adding new money is impossible too. They must be overwhelmed!
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investment ISA
I have an Investment ISA with Fidelity as well as a larger investment portfolio again with Fidelity for 4 years. I'm 64 years old and retired and my husband has recently retired with just a small Govt pension. I'm feeling like I no longer have any risk appetite as these funds are all the savings we have. My investments…
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isa issue
I would be grateful if someone could help me. My daughter has two flexible isa's both opened in different tax years. isa 1 opened in 22/23 but this tax year withdrew £6500 from it of which £4000 was put into a Lisa. isa 2 opened in 23/24 has £15000 deposited. is she only allowed a further deposit of £1000 this tax year to…
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Switching funds
Check the process before switching funds and remember some platform may not give advice so they may say yes but may not suitable for your needs.
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flexible ISA 'same tax year'
Slight complication is that we are very close to the end of a tax year so let's assume it is currently May 2025. I already have a flexible ISA, it has cash in it from the 2024-25 tax year but I haven't contributed any in 2025-26. My question is can I withdrawn from it in the 2025-26 tax year and then pay it back in later…
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When?
Good morning all, first post so please be gentle. My question is about when to set up a new ISA. I have a fixed ISA with NatWest that runs Jan 2025 to 2026 which has a little over £20.000 in. My wife and I have just recently become mortgage free and are looking to set up a new flexible ISA to put the money we paid on our…
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Trading 212 mse code
Hi, Can anyone tell me about getting the Trading 212 ISA offer with the mse code? I opened an account from a link in Martins news letter info on it but I don't see anything about the free shares.
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New ISA
I have an ISA with Barclays, which matures in July. Can I open another one before the existing on matures ? Any advice would be appreciated. Thanks
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Have I over deposited in this tax year?
Hi guys - not sure if I am over thinking this... I put £15,000 into Virgin Flexi ISA11 on 13 Mar 2024 (23/24). I got a note from them saying it would move to Flexi ISA3 on 31 Mar 2025. Is this counted against my 24/25 ISA allowance? As I have also deposited £12,500 with Trading212 on 20 Feb 2025. Does that mean I have…
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Flexible ISA rules
If I put in (say) £20k into a flexible ISA, withdraw £5k and then transfer then remaining £15k to a different, non-flexible ISA; can I put the £5k into the non-flexible ISA at a later date? Or is the £5k allowance lost?
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Lisa bonus
We gave our eldest money towards a deposit on his first home, we obviously would like to do the same for our youngest. We're wondering if we give him £4k to put into a Lisa how long it has to be in to earn the 1k bonus? Presumably too late for this financial year? Thanks
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How to pay into new cash ISA?
I don''t do online banking and last time I opened an ISA I had to go into my bank branch to pay in. Is this always the case?
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Multiple fixed rate Isas
I have had Isa’s from the very beginning. Am I able to open multiple cash isa’s in the same tax year by only transferring in old Isa money ? So not adding new money but getting a higher interest rate? Thanks
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New ISA Rules - Splitting a matured Virgin Money fixed rate ISA between new Provider ISA's
Hi All, I have a Virgin Money 12M Fixed Rate ISA that has just matured. I want to split this between two new Providers, placing some of this sum into another 2Yr Fixed ISA with another Provider and move the remaining balance to a 1Yr Fixed ISA account, either with a completely different provider, or possibly the same…
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Repay Flexible Cash ISA from Regular Savings?
Hi, This financial year I withdrew funds from a Flexible Cash ISA to pay into multiple Regular Savers with higher interest rates. That worked for me. I'm a basic tax payer but time away travelling put me into the no tax bracket. At this time of year, I'd normally repay the Flexible Cash ISA but now the savings interest…
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Transfer of Stocks and Shares ISA
I have had the same stocks and shares ISA for 20 years with the same company it was originally Skandia and is now Quilter. I have never made any withdrawals or bought or sold any shares on the platform. I feel the charges are high as I do not do any dealings. I am looking to move my Stocks and Shares ISA to another…
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Isa Newbie
Hi, I am looking at opening an ISA which is around 3.89% for a year. I'm confused though as the bank states that the last payment to make for the 2024/2025 tax year is 05/04/2025 and the last payment I can make for the 2025/2026 tax year is 09/05/2025. What happens if I open it and make my deposit before the end of the…
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HL LISA regular investing
Over the next tax year I intend to pay into my HL LISA using their monthly investment option to smooth out any volatility and to avoid fees. However does anyone know how the bonus works? Will that be invested as per my instructions on a delay when it's paid in or will I need to periodically mop it up and pay fees?
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Putting £4k into a LISA now….bonus?
Hi there, if my daughter (18) opens a brand new LISA now (1st April), will she get the bonus for this year and then be able to put £4k in again next month? Hopefully this is a stupid question. But I feel like I’ve seen something to say there is a delay in the bonus being added. thank you.
