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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 ?
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CHANGING FIXED CASH ISA
Hi, My 1yr fixed cash isa with Santander matures on 1/10/2024 and I've had nothing from them letting me know what I can do with it. I know that if I do nothing Santander will change it to a Instant ISA at 1.6% variable (yuk) I can upgrade it online now to 4.52% with Santander. But Charter Savings Bank are offering 4.67%.…
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Lloyds fixed isa
Hiya I have a lloyds fixed term isa which pays monthly interest to my nominated account and which i use to fund a few regular savers,i was just reading on lloyds website and it quotes " The amount of any interest transferred to a non ISA can be paid back into your Fixed Rate Cash ISA in the sametax year, as replacement…
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When to ask for transfer date?
Hello, I've just received a letter from my current 1 year fixed isa which matures on 11 October. I want to transfer to a 2 year fix with another provider. Should l ask for the transfer to begin on the maturity date or start the process before? Thanks.
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Correct Procedure for transferring Maturing Cash Isa's
I am hoping that someone who has experience of transferring a Cash Isa's can confirm that I am following this procedure correctly. I have 2 Fixed Rate Cash Isa's which are about to mature on 30/10/24(Santander) and 4/11(Newcastle B/S), and the government website states that it should take NO LONGER than 15 working days for…
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Fixed term ISA maturing - to transfer to fixed term or easy access with better rate?
Hi all, I was hoping someone could kindly provide a little guidance. I have a Santander fixed rate ISA maturing soon, with a 5.6% interest rate. It seems Santander have one of the highest fixed rate ISAs on the market now, at 4.63%. I also have a Trading 212 5% easy access ISA, and a MoneyBox 5.16% triple access ISA…
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how to transfer a fixed ISA on maturity ?
Has anyone got any experience a Virgin 1 year fixed ISA . I have one which is to mature on the 24th of September which I wish to transfer the full amount into an already setup Trading 212 easy access ISA . Would I need to allow the funds to transfer into the Virgin 0.10% ISA then transfer the funds over or is there a way…
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Payment rejected to 1 yr fixed rate cash ISA Virgin
Hi, just acounted an issue with my Virgin 1 yr fixed rate cash ISA. Started in Feb 24 with maturation date Feb 25. My payment bounced, rejected by Virgin. In their Help section, they state that if they close a product, one only has 30 days to pay in any addtl monies. I don't recall being informed about this at any point,…
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Junior stocks ISA-Provider suggestions
Hi, looking to open 2 junior ISAs for kids and looking at stocks and shares ISA. Looking to invest in global tracker passive funds. My own stocks ISA is with Lloyd's and they don't offer junior ISA so looking at another provider. Any recommendations for the ISA Provider which are cost effective? I looked at vanguard and…
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Santander Fixed Term ISA
Hi I would like to transfer a Coventry Fixed Term Cash ISA to a new Santander Fixed Term Cash ISA and have a few queries that I hope somebody can help me with: Am I right in saying that this doesn't count as this financial year's ISA does it? I can still open another new Cash ISA if I want to? Do i have to open the…
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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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'Exotic' Assets in a Stocks & Shares ISA
I have a query re a statement on the site. On the mse.com site dealing with Stocks and Shares ISAs, MoneySavingExpert.com>Banking>Savings
a page on Stocks & Shares ISAs, Learn More …,
There is a section titled ‘Stocks & Shares ISA need-to-knows’. In the 3rd
point, it states “You can invest in almost anything – from the…
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Help to Buy ISA to Cash ISA
Hi, Can I transfer my Help to Buy ISA to a normal Cash ISA? I will be buying a house but it is >250,000 therefore the bonus from the Help to Buy ISA won't kick in and it has an abysmal interest rate. I would like to transfer this to a standard Cash ISA as I will be using other savings for the deposit. Thanks for the help
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Early Withdrawal Virgin Money 1yr Fixed ISA
The Ts&Cs says that “Any withdrawals made within the fixed rate period are subject to a charge equivalent to 60 days' loss of interest on the amount withdrawn.” If I have the money in the account for 10months, does this mean: a) I will earn interest only for 10months; b) I will earn interest only for 10months and have to…
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Fixed Rate ISA with monthly interest payment ( Skipton )
Hi all Skipton has a 4.3% isa that looks promising to me with monthly payment. I'm not very clued up on ISA's but reading the small print am I right in thinking : 1) I can open the account today with £500 then have until the 25th September to top up to 20k 2) Next April I wont be able to add that years allowance and will…
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Best Provider for Long Term ISA
I'm helping my son with setting up some investments. I'm thinking of a low cost tracker that he's going to be putting away for 40 or so years. Are there any particular providers who specialise in this? Are there any ones to avoid? TIA.
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ISA to LISA Question
What is the best method of moving money from an Adult ISA to a LISA? Is it possible to transfer directly - or must the money be withdrawn from the ISA and put into the LISA?
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Transfer of flexible ISA and built up allowance
Hello,i have a flexible ISA with 3 yrs built up allowance.I have paid in the 20k allowance this tax year.However i withdrew a portion of the total to start up an invest account with Trading 212.Ive now realised that i should have started investing using the Invest ISA to remove the capital gains tax charges.I have…
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Best place for lump sum?
Hi. I have just retired and want to get best interest rate on my lump sum. I won't need to make any withdrawals.
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Confused about my ISA
I appreciate this topic has been covered before but I can only find very old threads. And forgive the ignorance! My cash ISA is due to expire at the end of September this year. I’ve currently got just over £15000 in it. Ive had the letter explaining my options and want to change it to another ISA with the same interest…
