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Setting Up New 1Year Fixed ISA
One of my fixed ISAs has just matured and I want to shift the total funds to a new 1Yr Fixed Rate ISA with another Bank with over 0.5% higher interest The ones I am looking at both offer monthly interest What is the point of this service as I'm assuming I can't take this interest out without affecting the future interest…
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Partial wihdrawal from Lifetime ISA?
My son has approx £16k in a LISA. Unfortunately, he needs to apply for PIP. This is affected by savings. Can he withdraw some money from the LISA, obviously paying 25% back of this amount? Or will he need to cancel the whole LISA? TIA
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Why do Stocks and shares ISA transfers take so long?
I've been moving old Stocks and Shares ISAs into cash ISAs. On average it takes 6-8 weeks to complete the process. Why, in this electronic transfer era, does it take so long? The 'industry standard' is 30 working days. Why are these providers allowed so much time?
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Multiple ISA's - advantages / disadvantages
Are there advantages or disadvantages to having several fixed rate Isa's ie. £80k in one or spread over 3 or 4 ISA's?
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Fixed Rate Savings ISA / Notice Account
Hi, I'm looking into fixed rate savings account. I'm not sure what i should do I have heard the interest rate will drop towards the end of the year so i'm keen to get a good deal now in preparation for this, I can deposit about £1,000 into it, and regularly put a smaller amount into it and don't mind if I don't have access…
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Withdrawing ISA
Hi there! My 1 year fixed rate ISA matures this month and I was what happens if I withdraw that money? Do I still have my £20,000 allowance this year as the money was put into the ISA last year or does withdrawing it mean I lose this years as well?
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Is this a scam? Credit Suisse ISA Maturity
My aunt had a man from dmsfieldcall Ltd call to say that he had been sent by Credit Suisse as she had an ISA that had matured and they hadn’t received any instruction for payment. He said it had matured in 2012 and yet they had her telephone number already and no one had ever rang her. She does remember having an ISA with…
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Usual for new ISA provider customers to be limited to £20000 transfer?
Hi, I have £40000 with an ISA provider and wish to transfer it all to a provider with a better rate of interest (will have to be variable rather than fixed). I've just gotten off the phone with Cynergy who informed me that I can only transfer £20000, as I'd be a new customer - is this typical amongst financial service…
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Combining ISAs at end of term
I have 3 separate cash ISAs, the last of these is one that I opened this year with the maximum amount for this tax year, and it is an open term (easy access). The other 2 ISAs are fixed term and will mature during this tax year. Will I be able to transfer them (at maturity) into my new cash ISA, without losing the ISA…
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Newcastle BS "CustomISA" calculator
Newcastle Building Society surely deserve a small tip of the hat, and a wink and a smile, for their punningly-tiled (and possibly slightly gimmicky) "CustomISA" calculator, which lets you assign ISA contributions among as many of their ISA accounts as you like for different purposes (easy-access/limited-access/fixed-term,…
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Cash ISA Transfer from Charter Savings Bank to Lloyds
Morning, Looking at transferring a maturing Cash ISA from Charter Savings Bank to Lloyds, but having an issue locating the Charter Savings Bank sort code & account number. I've also tried Lloyds other option of just selecting the roll number to Lloyds but even trying to do that, Charter Savings Bank is not an option from…
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ISA's per year? Limit?
Hi - I opened my first ISA last year in June. Fixed for 2 years. Am I able to open subsquent ISA's (and if so is there a limit) Or is it just 1 per person?
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LISA and Cash ISA in the same year
Hi, In the same tax year - If i put the max £4K in a LISA, can you still put the max 20K in a Cash ISA or would be max £16K in the Cash ISA. Reason I ask is last year i topped up LISA to 4K, but ISA provider was still showing as 20K still available to pay in, presume the ISA providers are not linked to LISA funding, but…
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What to do with a Maturing Fixed Rate ISA! - The banks dont know the rules!!!
HELP - I have a 1yr Fixed Rate ISA that is about to mature. But my bank doesn't seem to know the rules for ISA Transfers. I hope others don't have the same problems... and those in this community can provide advice and information to help others. Please chip in. I took out a 1yr Fixed Cash ISA in Jan 2022.... ...and I also…
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/Fixed Rate Cash ISAs, can you transfer into one and open another, both this tax year?
My question is: If I have a 1 year Fixed Rate Cash ISA in Bank ‘A’ which
matures soon and once matured I wish to transfer all of the sum into a higher
rate new Fixed Rate Cash ISA in a different bank ‘B’. This sum will be above
the safety net of £85k guaranteed in a bank. I do not want to add money in this current tax year…
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CASH ISA to CASH STOCKS AND SHARES
I was planning to invest my savings into Stocks and Shares ISA and while I am deciding, will there be any harm in putting the cash into a cash ISA and later transfer it into a Stocks and Shares ISA? I wanted to know whether most Stocks and Shares ISA will accept the transfer, please?
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How to figure out tax responsibility of Child's account with mixed sources
So it has only recently (via the weekly MSE email) come to my attention that I may owe money on my Child's Savings Account interest. Child is almost 6, we opened an account shortly after his birth to put in the kind gifts from family members, and shortly after then we have also opened a regular savings account that myself…
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Recommendation for easy-access cash ISA Provider (Rate + Service)
I'm planning to open a new easy-access Cash ISA. While it's easy to find lists of the best rates, reviews of top-rated accounts like Plum and Chip reveal lots of complaints about buggy apps, difficult processes, and absent customer service. I'd rather sacrifice a bit of interest in favor of a more reliable service. What…
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Can I do a partial transfer of Stocks and Shares ISA to LISA in current tax year.
Hello, I am trying to do a partial transfer from Trading 212 Stocks and Shares ISA to Moneybox LISA account for current tax year. The problem I am facing is that Moneybox's app is saying that if I want to transfer contributions made in the current tax year, I need to transfer them in full for the current tax year. This is…
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Confused - ISAs - One of the Banks talking nonsense it seems :/
Hi, Just spoke to two banks and received contradictory information. Google cannot confirm what I was told by one of the banks: If you have a Help to buy ISA with a specific UK bank Then the Cash/Fixed deposit ISA has to be with the '‘same’ bank to cover the remaining allowance Why can’t we do this with some other bank…
