-
West Brom BS 60 Day notice ISA
I have an existing ISA with Yorkshire BS so looking to transfer that, the West Brom BS has a 60 day notice ISA at 5.10% which I've not seen on Money Saving Expert or Money Facts Compare and I'm wondering if I'm missing something about why it's not there.…
-
ISAs maturing on different dates
I invested with UBL in April last year and then transferred in an existing ISA when it matured in May last year. I've had notification from UBL that the first lot of money is maturing and I've arranged a transfer to Moneybox. When the second lot matures next month can I transfer that to Moneybox too or do I have to…
-
Potential threat to annual £20k ISA limit?
https://www.resolutionfoundation.org/publications/ineffective-savings-accounts/ The Resolution Foundation published the above paper yesterday, criticising ISAs as failing in their objective to encourage saving by lower and middle earners, over the past 25 years. Proposed measures include lowering the current £20k annual…
-
Shawbrook 'new' Ts and Cs
Apologies if I've missed something - I've been away for a while - but Shawbrook have been mentioned on here several times as a provider who's ISAs you could contribute to throughout their term. I definitely had this confirmed by them by phone when I took out their two year fixed ISA last year. Having opened their one year…
-
Zopa ISA 0.50% Bonus
I have the Zopa Smart Saver cash ISA with an interest rate of 4.58% plus a 0.50% bonus until 6 April 2025. Or at least this is what Zopa were saying when I opened my account on 11 Feb 2024. The Zopa website is now saying the following: Earn a bonus rate on Access ISA pots! Open a Smart ISA before 6th May 2024 to earn an…
-
Shawbrook cash isa question
Hello in financial year 2023 I had 15k in a variable rate cash isa (Shawbrook) I have opened Shawbrook 1 year fix cash ISA this year and have requested a transfer of the 15k into this cash isa Can I add another 20 k into the 1 year fix cash ? as new money for this year ? Many thanks
-
Adding irregular sums during the year with a flexible ISA?
Do all Flexible ISAs allow you to ADD money (without withdrawing) during the financial year, or do the rules vary by ISA provider or product ? E.g. £1,000 in month 1, £4,000 in month 3, £15,000 in month 11 (totalling up to £20K)? I'm unlikely to need to withdraw during the year but I don't have anywhere near £20K to start…
-
Paragon ISAs - moving funds internally?
Does anyone have multiple Paragon non-fixed ISAs, such as easy access or triple access accounts? Is it simple to move the funds yourself between the accounts without affecting those funds, or do you need to get Paragon to officially move it? Thinking of applying for another double / triple access account; I assume funds…
-
Can I transfer matured ISA to a new account, and then transfer new funds?
Hello, I wonder if someone can help me confirm something. I currently have £11k in a Fixed Term ISA. This ISA was opened in the previous tax year, and the full £11k was also paid in the previous tax year. Now this ISA has matured, and the interest rate has dropped automatically to 2.3%. It is my understanding that I can…
-
Cash ISA provider protection
I'm looking to stick £20k in a cash ISA and see that among the top picks on MSE are Moneybox, Chip and Zopa, none of whom are names with which I'm familiar. Does anyone know if these three are authorised by either the FCA or FSCS (or whoever)? Thanks for any assistance/info.
-
Consolidating cash ISAs
Must consolidated cash ISAs never exceed a combined total of £20K, or can I consolidate two or more £20K ISAs, perhaps including a new one for the current 24/25 year?
-
ISA Terms and conditions
An ISA provider has this term (for a fixed term ISA) "I have not subscribed and will not subscribe to another cash ISA in the same tax year that I subscribe to this
Cash ISA." I have another fixed term ISA which does not mature for a few months and I will want to transfer that to the best rate I can. Am I allowed to do…
-
UPDATE: ISA Transfer - they lost my money! 😖 (Do you lose interest when switching?)
I have recently transferred my Cash ISA for a higher rate. But this process is taking a long time. And its still not complete. Do you I lose the interest on that ISA for the interim period? I hadnt factored that and it would be a significant amount of interest.... TIA
-
ISA Declaration
I have just opened a Virgin Money Cash ISA and have received their declaration form to complete. This includes the following. I declare that: ....... I have not subscribed and will not subscribe to another Cash ISA in the same year that I subscribe
to this Cash ISA. However, I am not planning to subscribe to this ISA…
-
Can't deposit to Cynergy ISA
I can't transfer from a Cynergy savings account to Cynergy ISA as it says I've used my ISA allowance. Anyone else got this issue. I understood they might not have reset the limits at the weekend but it's a working day now.
-
ISA withdrawals, which financial year's ISA is it taken from?
My partner and I each have ISAs, now with 3 years of savings in them, so going back to the tax year 2022/23. This has never happened to us before! Unfortunately we will probably need to withdraw most of the money next year, as we'll be buying a house. I don't know if this is a silly question, but when you request the…
-
A dozen ISA accounts - what to do after 6 April 2024
Hello, I have a dozen ISA accounts - I keep making a new one every financial year and chipping in whatever i got. Problem is I'm at a point where there's so many. With the new financial year coming up, can i just open a new account chip in some monies and then ask to have every single other ISA transferred? I don't know…
-
Opening a new Cash ISA (Zopa)
I like to get paid interest on the 1st of the month to better manage my finances, and this means I need to open an account on the 1st of the month. I was wondering what the process is like for opening a Cash ISA? Are they the same as opening a savings account but with NI number and other bits? Would there be any delays?
-
Tembo LISA allowance not updating to new tax year
The Tembo (previously Nude) app is saying I've used up my £4,000 allowance for this financial year, that it will renew on 6 April 2025 and I can't make a contribution. But it's wrong as I haven't contributed anything this financial year (aka since 6 April 2024) but I want to!Anyone else getting the same error?
-
Selecting provider for 25/25 tax year cash ISA
Hi-Couple of questions please. 1. Notice ISA account-these tend to have higher rate but the rate is variable so you are at mercy of the provider. I hope not hit they can drop the rate down and then you are stuck for 60/90days. Anybody use these accounts and am I worrying too much abt sudden interest rate drop? I don't know…
