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Should I cash NS&I ?
I have a 5 year bond value £23,491.37 which is due to mature 17.08.26. I am considering cashing this to take advantage of higher rates currently available. Any advice? o:)
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Maturing ISA query
Hi I've currently got 2 Cash ISAs - a one year fixed rate one with Virgin Money which matures on the 24th August and an easy access one with Post Office which I opened in the middle of April and have been paying into each month. When my Virgin ISA matures and I transfer in to another provider, can I add funds in the first…
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Confirm understanding of flexible cash isa rules
I just want someone to confirm if i am right or wrong with my thinking on how having multiple flexible cash isas works. So setup infoMarch 2024, open Chip flexible isa, deposit 6k, on 6th april 2004, balance was 6k +£14.72 interest. Apr 7th 2024, open zopa flexible cash isa, deposited £4k So for chip, i've withdrawn money…
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Issues with Plum
I just wanted to post this for info for anyone considering a Plum Cash ISA. I'm new to ISAs, opening my first late last year, and my second this year. I wanted something that pays interest monthly as I may need to take that money out short notice (house hunting) and opted for the MSE recommended Plum Cash ISA with a 5.17%…
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Chip ISA transfer-in problem
Hi, I have a Chip cash ISA and have been trying to put in a transfer request via their app to move in in money from another ISA of mine that’s recently matured, but I keep getting the following error message - “A 400 error was returned for this endpoint.” I have emailed the Chip support team about this but there’s been no…
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Feedback on Trading 212
I'm considering "Bed and ISA" for some US Shares I own. I am comparing the total cost for £20k over 4 years as an example - monthly fees, trade cost, FX fees - and Trading 212 seems to be way cheaper than anyone else (£30 compared with £298 -£543, and more). Feels like a red flag, but searching the forum the comments seem…
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Shawbrook Bank Maturing Fixed ISA Options
Just a quick query for those with a Shawbrook Bank Fixed ISA that has matured in the past/recently and who are using the new "improved" online interface. By way of a quick background, my Fixed ISA matures within 30 days and I noticed on the Shawbrook online interface that I now have a link underneath my account stating…
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Trading 212 ISA
Hi, I am looking at trading 212 ISA with 5.2%. I assume this is variable and can be changed at any time? Assuming they get SONIA rate, this has now dropped from 5.2% to 4.95% as of 01.08 Is it likely that they drop the rate? Dont want to bother in transferring over if so as I have fixed 5% till end of this year... Any…
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Isa transfer due in September.
Hello. I've currently have a 1 year fixed ISA 5.45%, which is due to mature in late Sep. I was looking at virgin money 1 year fixed at 5.05%. Do you think it's a good deal, or maybe should l go for a 2 year fix instead? Any recommendations on the provider would be helpful.
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Zopa Flexible Easy Access ISA
Needing clarification of ISA rules please? I've put £5000 in Zopa Flexible EA ISA for this year 24/25. I've put remaining £15000 allowance into a fixed ISA with another provider. I understand that with the Zopa Flexible EA ISA I can take out and put back (up to £5000) for this financial year. My query really relates to…
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What's the difference?
What's the difference between a 1yr fixed Cash ISA Bond and a plain 1yr fixed Cash ISA?
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ISA rules confusion
Apologies if this has been asked already, I've had a good search of the forums and was still confused! Is it possible to have more than £20k in ISAs? I have a fixed rate ISA for 2 years with £20k in it (opened last tax year) can I then put another £20k into a different fixed rate ISA in this tax year? Any guidance on this…
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APS ISA allowance
My husband has recently died, leaving a cash ISA near to the FSCS guarantee limit. In the next few months I shall want to open an additional cash ISA for myself, using the APS allowance. I understand the process, but am having difficulty finding out which institutions accept APS funds, as not all do. Is there a list…
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CAN I TRANSFER CASH ISA'S
Can you transfer an easy access variable Cash Isa to an existing 1yr fixed Cash Isa which is a different provider?
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Trading 212 - terms and conditions
I have looked to open a Trading 212 Cash ISA. It rightly asks me to confirm I've read and agreed to the terms and conditions. To be perfectly honest, I've ploughed through the 49 plus pages and most if it means absolutely nothing to me. Are there any 'red flags' I should look out for when considering this?
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Isa limits
Do the major banks such as Barclays generally stop you from being able to exceed your ISA allowance even if you hold more than 1 ISA account wi the the same bank? For example, if you hold a cash isa and investment isa with Barclays, will they monitor to ensure you don’t exceed your allowance on both combined? Also with any…
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moving cash isa to Chip - current provider not listed
Hi there I'm a newbie writing on the forum (although I have enjoyed reading/following a number of threads on a number of different topics). I’m also a newbie to ISA’s and am looking for advice. I have an Easy Access Cash ISA Issue 43 with Charter with a balance of £16,000. I recently received an email from them letting me…
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Moved: Private Education, Wrap Around and Tax Free Childcare
This discussion has been moved.
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Silly question - can I pay into existing cash ISA?
I have £40000 in a cash ISA which I transferred to a different bank recently. I haven't made any financial contributions to it this tax year - presumably, it's fine for me to pay up to £20000 in to it? I know it's quite a silly question but I just want to double check!
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Can I specify ISA transfer date
I have a fixed rate ISA with NatWest due to mature 4th September. I want to transfer this to a Virgin fixed ISA. I haven't yet opened the Virgin account. My question is when I submit the transfer request to Virgin can I specify the date of transfer as the 5th September so I don't lose anything?
