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A question about savings (ISA and other)
Hi all. I am looking at my savings options and had a few questions please. ISA - are they cumulative? I.e. every year I can put in the max amount on top of previous years? So first year would be £20k, next year another £20k which means that in 2 years I would have £40k getting tax free interest? Savings - every year I can…
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Monument Blocking ISA Transfer Out – Misallocating Interest and Giving Incorrect Advice?
Help Monument Bank are blocking / rejecting my ISA transfer out (from previous years’ funds). I wanted to see if anyone else has experienced anything similar - and also help anyone who may have been given the wrong advice. Is this an IT system error, or are customer service being given incorrect guidance? In mid-April…
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Can't transfer ISA from Monument Bank to Castle Trust Bank
Has anyone else had issues transferring their ISA from Monument or to Castle Trust? Both me and my husband are having issues and both banks are blaming each other. Castle Trust are saying that Monument keep rejecting the transfer request and Monument are saying that they have not received any requests. I don't know who to…
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ISA Help/Advice - New tax year.
Hi all, First of all, I'm sorry if I have posted this in the wrong section. I have tried doing some googling but I can't seem to figure this out - So I'm reaching out to some experts to advise me and I would be really grateful. Last year in November I opened my first ISA and deposited my full £20,000 allowance into here.…
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ISA Allowance for Trading 212
I deposited £4500 into a chip Isa on 6th April 2025. Then I transferred £20k from another ISA to this ISA as well. It's a flexible ISA. I withdrew the lot as I got better interest elsewhere and I wouldn't have had enough interest to be over the £1k limit by doing this. I'm a low earner just earning £17400. I wanted to…
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HTB ISA transfer to LIFETIME
Good very recent podcast. Understand that HTB ISA must be used by 2029 (or 2030?) What though if one wants to transfer money from HTB to Lifetime ISA. Can it all be done at once; or has it to be done bit by bit within the £4k annual limit to pay into Lifetime?? And if within that £4k limit, then | assume that any transfer…
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Opening a new cash Isa , transferring last year matured cash Isa, Isa interest
Hello, I am so muddled up about Isa 1. I have a cash Isa that will mature in July 2025. Can I open a new cash Isa at the beginning of new financial Year which is on 6 April 2025 or do I have to wait to open my new cash Isa until my last year cash Isa matures which is in July 2025. 2.I am entitled personal saving allowance…
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Existing shares into a S&S ISA
Hi I have a bunch of shares I have built up over the years through various means. Some were via company share save schemes, some I just bought and so on. Also due to corporate actions, some have split, been moved to other markets (AIM?) and in one case, even ended up being traded on the US stock markets after the company…
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Trading 212 - New Cash ISA
I am trying to open a new cash ISA with T212 ready to fund it with funds from the 6th April. I have started the opening process through the link but have now got to the point where it wants me to fund it so I have shut it down. When I was digging around it was just showing the rate of 3.6% but when I tried to add the promo…
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Maturing ISA
Hello I have a maturing Cash ISA which I’ve arranged to be paid into my bank as the transfer rates weren’t as good as a new ISA. If I pay this into another provider, a new Cash ISA before April 5th, is this still counted as my 2025-26 allowance or will this be my next tax years allowance? Thanks in advance.
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Isa question's
Hi basic question, i am new to the world of Isa's and i am after some advice. Last year i opened 2 isa's one with marcus £15k and one with kroo £5k so what should i do with this year's comiing allowance should i deposit into each of them and make them 20k each, or should i open another isa with someone else for the sum of…
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Zopa never again
I have a Zopa ISA maturing early April. I have initiated a transfer asking for it to be made on maturity. It has been rejected and on speaking to them I've been told I have to wait until the maturity to give the instruction or pay a breakage charge. I have never experienced this before I told the agent it was not normal…
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ISA - topping up before april for tax-free savings
Currently have 0 in my ISA if I top up my ISA to 20k before 5th April 2026, does this mean I get an additional tax free 20k allowance next year ie I can invest 40k in my ISA tax free starting from 6th April 2026 and all the interest on the 40k will be tax free for the financial year 2026-2027
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Transfer from Kent Reliance
I opened an Easy Access ISA this financial year with Kent Reliance and put £20,000 in it. Now I tried to transfer it to a new Aldermore Easy Access ISA and Kent are refusing the transfer saying that with the accrued interest it's too much to transfer. They say I'm only allowed to transfer £20,000. Does this make any sense?…
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Guidance required on inter year ISA tax allowances
Hi All. I need some guidance/knowledge on inter year ISA transfers please. I have never had enough savings that would put me over the £1000 tax free personal savings allowance. However this will change next year when i expect a decent amount that will change this. I propose to put roughly 15k into a flexible cash ISA…
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Trading 212 cash ISA 10 day limit
Just a warning for anyone opening a cash ISA with Trading 212. If you don’t deposit any funds within 10 days of opening the account then you lose the promotional rate. I didn’t spot that anywhere obvious (I may have missed it) but it’s in their terms and conditions…to which they will point you when you query it. They…
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Transfers query
if i open a new isa with say company B transfer t212 isa in the application, Lets say the money moves accross within a week , product has a 14 day cooling off window, company C now has a a better deal, Do you cancel with company B and isa funds returned to T212 or will you open new isa at company C putting in compants B…
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YBS four access eISA
Hi. I was on Youtube and saw and for YBS so I clicked on it and it led to a page about the Four Access eISA. Here is the link though I don't know what you will see as it originated from an ad:…
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Moneybox 4.26% Isa - Transfers In
Moneyfactscompare stating 'Bonus rate not applicable if transferring in' which is not reflected in MSE , and not obvious on Moneybox ISA page. Can anyone shed some light ?
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Withdrawing from flexible ISAs and annual allowance
Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap? I have a flexible Zopa ISA, funded this tax year. I also have a Plum ISA (non-flexible). At the start of the tax year I put £5k in Zopa, and have also funded £15k to the Plum ISA (so total £20k,…
