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Halifax ISA Investor
Halifax ISA Investor provided by Scottish Widows. Has anyone use this product before? I am looking at reviewing my investment and saving with a view for putting money away for X number of years each month. Has anyone any experience of ISA Investor and any of its eligible funds? Just for now scoping options..I am also…
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Question about total tax free allowance of Lloyds cash ISA over many years
Hi, hope you are all doing well. I opened a Lloyds Fixed Rate 1 year Cash ISA on March 30th and deposited 20.000 gbp. Since the financial year ended on April 5th, can I deposit another 20.000 in the same account in a month and get tax free interest for the entire 40.000? Thanks
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Big banks 'ignoring' the new isa 2024 rules , does it matter?
https://www-thisismoney-co-uk.cdn.ampproject.org/v/s/www.thisismoney.co.uk/money/saving/article-13316161/amp/Big-banks-ignoring-new-rules-let-savers-open-one-Isa-year.html?amp_gsa=1&_js_v=a9&usqp=mq331AQGsAEggAID#amp_tf=From…
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Flexible ISA fund interest withdrawal (and adding back in)
I've just been reading a review of an ISA provider I've used for a few years and noticed there is a section on withdrawing interest and adding it back at a later date. I'll paste it below. It never occurred to me that it's possible to take out interest payments and pay them back in at a later date in that tax year. I've…
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Can I move ISA twice in a year?
Hi, I currently have ISA with MARCUS, but want to transfer balance to Zopa Isa, but Marcus not part of online transfer system, so not on zopas transfer in list, as zopa only accept it online. A workaround is move cash to santander as they will do it by filling a form for the transfer, as, once cash with santander, zopa…
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Trust & JISA - How to consolidate
Hi, I have a JISA for my son. After it was set up I found out his mum has a Trust Fund for him that she pays into regularly. Later, I discovered you cannot have both, so I need to try and combine them and JISA, being the newer product, seemed the best vehicle. The JISA is with Moneyfarm and they suggested that we transfer…
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Partial Cash ISA transfers to keep below the £85k limit
I recently wanted to transfer part (50%) of a Santander Cash ISA to a new Cash ISA with Cynergy but appear to only be allowed to transfer all the cash ISA. I wish to split my existing cash ISA into two others with separate providers in order to stay below the £85k FSCS guarantee. When I transferred my stocks and shares ISA…
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Basic question on Cash ISA after maturity dates
Hi. Can someone please help with what might be a basic question for some! My Santander cash ISA for 23/24 has matured and they have given me the option of upgrading it to a Fixed Rate Cash Isa at 4.15%. But I know there are higher rates out there for tax year 24/25 - plus I want to invest £20,000 for this tax year 24/25 in…
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New ISA rules clarification on multiple accounts
I know in this new tax year we are able to open multiple ISA’s of the same type. I want to open ISAs with multiple banks, not just the one. Just wondering if this still stands or is it just that it hasn’t been updated yet. From Zopa’s website. Is it that they only allow multiple cash ISAs to be open with them only? Ie…
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Barclays fixed isa.
Hello, brand new on here hope someone can advise. I've opened a 1 year fixed isa on the 10 April with the intention of depositing my 23/24 isa full 20k plus interest, matures in Oct 2020. but it looks like l can't do this, is this correct? The said 23/24 isa was added too with three lots of cash over it life so have they…
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A question about a maturing ISA. Does it count towards this years allowance?
Hi There and thanks for looking. I have an ISA maturing in a few days with Close Brothers and I have the option of opening a new ISA with them. It has these two lines in the declaration that I need to agree to which I find unusual. d. in particular. c. I have not subscribed/ made payments, and will not subscribe/make…
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Transferring in stocks and shares isa
I've already used my isa allowance for this year but would like to cash in a stocks and shares isa into a cash isa and then transfer in to another bank. As banks require me to open a cash isa first with an opening deposit, I assume the deposit will tip me over the 20k allowance. If I choose an easy access isa, can I simply…
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Moneybox, should I leave?
I am concerned by this thread. In this tax year I have consolidated several previous years ISAs into Moneybox and only opened the Moneybox for that purpose. If I wanted to move them out of Moneybox now into an altogether different ISA is that allowed? Thank you I am not sure from what I have read here, if I should be…
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Transferring from stocks and shares isa to multiple cash isas
Hi , I have read information on the Gov.UK site regarding the ISA rules but would appreciate your confirmation if the following is allowed. It would involve transferring 50% from a stocks and shares isa to two cash isa's ,one immediate access and the second a one year fixed term. The cash isas would probably be with two…
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Moneybox and FSCS
This discussion was created from comments split from: UPDATE: ISA Transfer - they lost my money! 😖 (Do you lose interest when switching?).
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Principality building society flexible isa
Hello, I'm think of opening a branch isa with PBS its currently 4.8% or somthing like that but will probably drop soon. I've never dealt with them before but are they fairly easy to deal with? I've heard that they can be old fashion in the way they do things, compared with other banks and BS. Thank you in advance for…
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Aldermore ISA declaration states I can not subscribe to any other CASH ISA in 24-25
I received a copy of my ISA reactivation declaration from Aldermore. It clearly stated I am not aloud to open any other cash ISA this financial year. The following is on their Web site... Aldermore offers Cash ISAs only. You can split your Cash ISA allowance between any of our Cash ISA products. This will be classed as one…
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ISA Transfer in to Moneybox
My ISA is being transferred to Moneybox. However, Moneybox asked me to specify how much I was transferring in, so I looked at the most recent value and wrote that. Will they transfer it all including the most recent interest. I don't want to be left with a tiny amount in my old ISA.
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ISA - should I put my £20k allowance in now or wait
Hi I don't know whether to lock my ISA allowance into a fixed rate ISA now or wait until interest rates get supposedly higher. I know it's the answer everyone wants but I just want people's opinions. Thanks
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Help to Buy ISA and Cash ISA
I have a Help to Buy Cash ISA with Nationwide that I have been paying into. It's quite likely that I will soon be using and closing this Help to Buy ISA in the next few months as I intend to buy a house soon. I wanted to make a few more payments into this ISA to squeeze the most benefit out of it. However, I was wondering,…
