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ISA transfers
Hi, I am fairly new to ISAs and am just about to have my first ISA mature. I have another ISA which matures next year but does not accept transfers mid term. My question is; if I have used up my allowance for this year can I still open up a new ISA for this year purely to transfer my maturing ISA into? I would then look to…
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Maturing ISA
Hello, I have an ISA with Virgin which is about to mature. They have offered to reinvest it at 4.11% , so I am thinking of transferring elsewhere. However most new ISA's require a minimum deposit.Does the money transferred count as the minimum deposit, hope that makes sense, thanks
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L-ISA With Poor Credit
Myself and my partner are looking to open a lifetime ISA to begin saving for our first home however my credit rating is poor. My debts are all due to be paid off within 12 months and I’m looking to re-build my credit but I’m worried if I pay so much into the LISA but cannot get accepted for a mortgage. Wanted to open a…
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Trust Funds vs Junior ISAs
I've got 2 kids and both have had a Trust Fund since birth. There's not much money in either Fund but I've had a couple of letters over the last couple of years to say that because of the markets not doing well there is an even smaller return on the investments made. I'm sure about 6 months ago Martin said to transfer the…
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Cash ISA Fixed ISA Cooling off period
Asking whether the 14 days cooling off period is a strict rule for all banks and all cash ISA's or whether it is optional. Yesterday I transferred a cash ISA to a fixed rate ISA with the same bank and have now changed my mind. The bank is saying that since I've deposited more than £1000 in the FR isa I can't revert to the…
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Trading 212
I've not been here for a while. So a newbie now. I opened an cash ISA account, linked it to my bank Santander, but wouldn't let me transfer. I've tried 4 times., each time it goes back to link to my bank. OPTs arrive, enter the reqd password etc, links through, but then back to where I started. About to give up.
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Transferring isa to another bank at end of fixed rate term
I have a fixed rate isa with Santander due to end on 1.11.24. I want to transfer it into a variable rate isa with Cynergy that I opened earlier this year. How can I do this without incurring a 120 day interest penalty but without losing the Isa tax-free status?
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Computershare queries and can I put shares held through them into an ISA or move them to an ISA?
Hello, Through a long career in commercial insurance, I steadily amassed a substantial number of shares of the company I worked for, and these have been held and are held by the registrar, Computershare. None of the shares are in an ISA, so are not protected from capital gains or dividends tax, so cash from any dividends…
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Moving money from CTF to a LISA
Hi, my daughter has just turned 18 and has £9,700 in her CTF. She would like to open a LISA but we’re aware that she can only put £4k into a year, so just want to check the best way of doing this. would she be best to transfer £4k out of her CTF into a LISA and put the remaining balance into a normal ISA now (then after…
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stocks isa
I have cash isas around 260000 and have been considering putting some of it into a stocks isa - a alreadt have a cash one with trading 212 of around 95000 - im not sure if i can transfer part of it, ill look into that but was wondering if there are any reccomended stocks isas either provider or funds? thanks in advance
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Junior S&S ISA Questions
Hi folks, I've been saving for my daughters since they were born. Originally it was in a Cash ISA for them which I quickly realised wasn't going to earn them the best gains long-term so I started putting it in a S&S ISA in my wife's name (we already have once for wife and I in my name). I'd like to start putting it into…
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Virgin ISA Maturing, options to split
I have a Virgin fixed rate Isa ending soon with over the £85K protected amount, and planned to put £75K in another Virgin fixed rate, then transfer the balance to another provider in a current variable rate ISA which I opened in 2024. On the Virgin website there are no options to split the maturing balance into 2 ISAs. Is…
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Help with transfer of fixed ISA. When to start the transfer instruction please?
Hi, my 1 year fixed ISA matures on 24th Sep this year. I am about to fill in transfer request to another provider, but in transfer request form, there is no date for transfer to choose from. If I fill it in now, will my current ISA stay open until maturity regardless and will only be moved after it matures even if…
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Maturity - 2 Yr Virgin Fixed Rate E-ISA Issue 529
I have the above issue paying 4.25% which is coming up for maturity in a couple of weeks time. So far, no maturity options have been sent in the post or are visible online. Has anyone already had the rollover rates yet? For new customers VM only seem to have 1 year options, so hoping there will be a 2 year option offered.…
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Which Junior ISA provider?
We have around £6k to invest for each child (their money). Can anyone recommend which JISA provider to go with? We're likely to go with a Vanguard index fund. Our ISAs are with HL.
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Trading212 CASH ISA 5% or 5.1%?
I opened my ISA mid august when it was 5.2% then got an email on the 26th August saying interest rate was dropping to 5% as of 9th September. However the app keeps showing 5.1% - did it go back up or am I missing something more obvious? I've tried checking the interest calculation but my numbers are not matching - possibly…
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Trading 212 don't accept/support deposits from Co-Operative bank - suggestions please?
I've signed up for the Trading 212 Cash ISA, however when asked to make a deposit into the ISA, the Trading212 only accept certain banks and not the Co-Operative, whom I bank with. I have tried to contact them, but it appears that I cannot deposit anything as their website requires you to select your bank from a list and…
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Calculator tool for Daily Interest
Anyone got a good link for such a tool? I am trying to work out the daily interest rate paid on my Trading212 Cash ISA. The app tells me it is 5.1% AER but I had an email before saying it was dropping to 5% on Sept 9th. I tried one tool but using 5 or 5.1% did not match what Trading212 are paying out: Daily Compound…
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CAN I DO THIS?
I have a fixed cash ISA with Charter Savings bank which I opened this July. I have another fixed cash ISA with virgin about to mature very soon. Can I transfer the Virgin cash Isa into another Charter Savings bank fixed ISA. In other words can I open 2 separate cash Isa's with Charter Savings in the same tax year??
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Barbican Bond Co No.1
I am trying to get in touch with other people who have invested in The Barbican Bond Co. No.1 Mini Bond. My bond ran for a 3 year duration and matured late November 2021 and I have been trying to obtain my investment and returns from them ever since. I have received email communications advising that "the security trustee…
