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Cash ISA - What's your thoughts?
Hi Guys, I'm fairly new to the ISA scene, and I hope to get more of an insight through this open topic, and a couple of questions I have. Maybe you more experienced people can give me a heads-up upon certain basic rules or guidelines that I should be aware of. Forgive my ignorance or naivety regarding any questions I might…
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Can you open up multiple inheritance ISAs with multiple banks
Hi, I'm trying to help my Dad sort out my late Mum's estate. She had multiple cash ISAs with multiple banks, and we want to get all of those transferred over to my Dad. Each bank she has account with with offer a way to open up an inheritance ISA and get the money transferred over. However, after speaking with at least one…
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Trading212 cash ISA transfer problem
I wish to transfer a Principality Building Society cash ISA to my Trading 212 Cash ISA. However Principlality is not on their list of providers. How do I get round this?
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Nationwide Fixed Rate Cash Isa maturity instuction doesnt work
I received a letter from nationwide re my FR cash isa maturing soon. It gave instructions for maturity: 1. Use the maturity option next to the account when loged in online. There is no menu option in my account!! 2. Go to nationwide.co.uk/frisa1 and open a new account and transfer in maturing account When I tried this,…
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Coventary ISA Transfer
I have a 5 year ISA with Coventry at a poor rate of 1.75%. It has 2 year left to run. Can I transfer it to another Coventary ISA at ~4% or is it easier to transfer it to another provider? I'm assuming I will loose 90 days interest, but can't find the original T&C's to confirm exactly
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Paying into a HTB ISA and cash ISA
My daughter has a Help to Buy ISA which currently stands at £14,000 and is paying 4.7% with Yorkshire BS. She is aware that she only needs to hold £12,000 to get the benefits when she buys a house. We were wondering if now the rules have changed regarding paying into ISA`s if she would be able to put £17,000 into a cash…
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Trading 212 - call response read Trustpilot
On recommendation from here I set about opening a new account - for a transfer in Cash ISA - few steps but done 👍👍 Tried to transfer in from Cooperative bank - no go - it isn't listed. Wrote on their contact us form - 24 hours later - no response. Gave a one star on Trust Pilot explaining the issue. Within 10 minutes - I…
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ISA transfer and opening
I have a fixed rate cash isa with kent reliance and I have paid into it this tax year £19k. It is due to mature in December. I’m aware that the new rules with Isas suggest you can open multiple cash isas in a tax year, provided you stay within the limit of funding. Kent reliance is a company who don’t allow you to pay into…
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Chip flexible isa
Hi everyone. I have a Chip flexible isa which I opened last year. I had £17000 in it from the last tax year. I have recently opened a Trading 212 flexible isa this year. I plan to withdraw the most of the funds from the Chip isa and deposit them in the 212 isa, manually not through isa transfer. Obviously because 212 has…
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Query re: when a fixed term ISA (opened and matured in different tax years) counts
Hi all, I opened a 1 year fixed cash ISA in Sept 23 (23/24 tax year) depositing the full £20k allowance at account opening. It matured in Sept 24 (24/25 tax year) with £1,500 interest and the ISA account had to be closed. I gave instructions to transfer the full amount (£21,150) to a new cash ISA with the same bank. Sorry…
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Partial ISA transfers when ISA is combination of current and previous years?
Can anyone advise...my partner has a Bank of Scotland ISA that matured yesterday to a 1.35 ISA Saver. I encouraged him to open several new ISAs to transfer this to, so earlier this week helped him open a Zopa 4.8% (4.5% from 22/11) and Paragon Double Access 4.87%. Background - both of us were financially fairly clueless…
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Cash ISA maturing-above FSCS limit
I have a cash ISA with Secure Trust Bank maturing in November 2024 and the balance plus interest will exceed the FSCS limit of £85000. I had the same issue with them last year but decided to re-invest as the rate was better than I could find elsewhere. I have e-mailed to check but they seem to want you to invest the full…
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S&S ISA - overthinking, help!
So, I want to open a stocks & shares ISA but I'm someone who very much overthinks things, so combining that with my lack of experience here means I keep backing out of investing at the last minute. Here are my issues: 1. I want to invest at a sufficient risk level to make it worthwhile, but I am nervous about risk. I'm the…
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Cash ISA ~partial~ transfer to Stocks and Shares ISA?
Lets say I've used up this tax year's ISA allowance, £20,000 into a Cash ISA. Is it possible to do a PARTIAL transfer, lets say £5,000, to a Stocks and Shares ISA? Is that allowed by the rules? Are there any known providers that are easy to do it with? Thanking you!
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Future Investment/Pension
Hi all, I am a 35 year old male, married, but in the process of divorcing my wife. I want to start looking at my future retirement pot. I am self-employed and on modest pre-tax income between £20-24k. We have an our home (no mortgage). I am also on a very small £4k salary with a pension. I will be looking to buy my wife…
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5% Isa
I've been offered a fixed rate 5 year isa with returns of 5% p.a. by a company called Hamilton Rose Any advice or has anyone had any dealings with this company I think it sounds too good to be true, although they are Fca registered
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Trading 212 Cash ISA
Yesterday I opened a Trading 212 cash ISA account with the intention of transferring my Virgin E saver amount into it. Using the instant bank transfer system I logged into my Virgin account fine but was then told there was a problem and was returned back to Trading 212 deposit funds page, this happened on three occasions…
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Chip ISA interest rate drop without notification?
Hi all, I've just noticed that my Chip ISA interest rate has dropped some time within the past week or so, but I never got any email notification to say it was happening? I thought the regulations were that if an interest rate was reducing, they had to notify the customer beforehand? Anyone else had this issue with Chip?…
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Shares ISA
Hello, Could I set up a direct debit to be taken out every month on pay day for 5 yrs with a shares isa. Could I also choose a certain stock i.e Tesla, to buy every month? TIA.
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Virgin money ISA transfer out - how long to reach recipient bank?
I have applied for a couple of ISA transfers out from Virgin Money following the maturity of my one year exclusive fixed rate ISAs. The transfers were done via a paper transfer form with a wet signature as Virgin apparently require for large transfers. Virgin closed the accounts last Thursday but the proceeds have not yet…
