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Transferring Cash ISA out of NS&I
Has anyone any experience of transferring a cash ISA out of NS@I recently? Am trying to move some previous year money to Shawbrook. Request went in Mon April 17th, receipt confirmed by Shawbrook Tue April 18th. Even if we take the receipt confirmation being a late afternoon and thus Wednesday not counting as day 1, then…
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Clarification needed on 90 day SAYE shares to ISA transfer.
Hi all. I am aware that on maturity of my SAYE scheme I am able to transfer some shares directly to my ISA, however cannot find any definative answer as to how the transfer value is determined. The HMRC guidance page explains that the shares must be transferred within 90 days and will count towards my annual £20K limit,…
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Trading 212
I see they are dropping their rate yet again for Cash ISA's.
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Isa Confusion!
I get so confused with ISAs so please bear with me! Firstly I have an Isa with Tembo, I had two allowances of £20,000 held representing my allowances from 24 to 25 and my current year 25 to 26. Firstly I got confused because the Tembo's Isas are branded as 'easy access' and I thought that meant you could put money in and…
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Can my fiancé pay into my ISA?
My fiancé and I are saving for our wedding. I have opened an ISA to save for this. He has been sending half of his pay into the ISA the last 3-4 months to contribute to the saving. I’ve suddenly realised I’m not sure if this is allowed?! He doesn’t have another cash ISA but does have a help to buy ISA. (And has only out…
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MSE misleading on Trading212 ISA
MSE claims that Trading212 is "offering a loss-leading high-rate cash ISA" to attract customers when in reality all Trading212 does is stick your money in a money market fund, something you could have easily done yourself on any other platform to earn SONIA. This makes me seriously doubt MSE expertise and reporting on…
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News & Discussion about interest changes following the MPC decision
I hope this makes sense rather filling the other threads that would remain focused on the new RSs and EA accounts.
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moving money
i have 20000.00 in a flexible isa this years allowance but the interest has gone down can i move this in to a isa with a beater rate also what happens to interest all ready earned
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Re: Cash isa question
Hi folks, i would like to ask a serious question that is causing me some confusion about cash isa's. is anyone able to answer this:- Last tax year i opened a cash isa with Trading 212 on the recommendation of this site. i put in the full amount. Over the course of the year money was withdrawn to approximately half. Now,…
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Partial ISA transfer from HSBC
I have a standard Cash ISA with HSBC worth £50k. I have contributed £12k to it in the current tax year. Can I do a partial transfer out of £40k to a stocks and shares ISA with another provider? I’m getting confused by reading online!
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Being Indirectly Taxed on "Tax-Free" Personal Savings Allowance – Is This a Mistake?
Hi all, I’m hoping someone can help me make sense of something that doesn’t seem quite right. I’m a UK higher-rate taxpayer and complete a self-assessment return due to receiving dividends alongside PAYE income. This year, I had £432 of interest income from savings — well within the £500 Personal Savings Allowance (PSA)…
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Annual Interest on Flexible ISA
I'm looking to take out a flexible ISA, with £20,000 of savings. I might not have the money in the ISA for the full year. If the interest is paid annually, will I get interest on the money that was in the account for the period of the year that it was there? Thanks.
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Source of Funds checks for ISA transfer
Has anyone experienced SOF checks when transferring a large (>£100k) ISA? I ask as my ISA balance has built up over decades and it would be very onerous to demonstrate the precise source of the entire balance if the provider I transferred it to asked . It has primarily come from small amounts of savings from employment…
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ISA understanding
There is a ISA on offer from CMC investment offering 5.44% easy-access Cash ISA (4.59% variable + a fixed 0.85% bonus for 90 days). Can anyone explain what this means? Variable is changeable, but does it mean it doesn't go below 4.59%? And I would get and additional 0.85% after 90 days on my savings? Any insight would be…
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Help to buy isa for cash purchase
I am buying my first property using inheritance snd no mortgage, I have some money in a help to buy isa can I use this and get the 25% government bonus?
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Premium Bonds vs Cash ISA
Am dithering about withdrawing my premium bonds and putting into cash ISA. I have won £125 over 4 months on bonds worth £11000. How do I compare interest rate of 4.87% to see which would / is giving the higher return please?
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Plum
Has anyone else had trouble logging in to Plum? I have been trying for 3 weeks now and the app will not accept any PIN I try to put in or accept it when I try to reset it. I am repeatedly asked the same questions and given the same advice over and over again even after I say that their suggestions haven't worked. I…
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New fixed rate cash ISA with 28 day transfer in period?
My Virgin fixed rate ISA matures on 29th August. I would like to open a new fixed rate ISA and transfer my matured funds. With the BOE meeting in a few days, and a predicted rate drop, it might be a good idea to open the new ISA now to lock in a decent interest rate. I'm looking for a provider which will allow me to open…
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Trading 212 Cash ISA Issues
Hi, Has anybody had issues with the interest on their Trading 212 cash ISA? I signed up and transferred my existing ISA's to Trading 212 at the end of June. The 'Pending Interest' never showed, but I assumed I'd just missed the deadline for the interest being paid for June. However, interest for July was not received by…
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Trading 212 Cash ISA FSCS question
I understand that Trading 212 hold clients money in 3 separate banks: Barclays, JP Morgan and NatWest. As it splits your ISA cash between these, does that mean you potentially have greater than £85k of cover by FSCS ? Theoretically up to £255k via the Trading 212 platform ?
