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ISA when working for the UN
Hello, I started in 2023 a new job working for the UN in another country, my salary there is exempt from taxation. I am still though working part-time for a UK employer and have a house in the UK and as such am considered UK tax resident. I can't seem to find clear information regarding whether I could open an ISA account…
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Cash ISA taxed or not using PSA?
Hi, Newbie question. I'm getting a bit confused over whether I will get taxed on interest above a certain threshold on a Cash ISA. Scenario - I have opened a cash ISA at 5.1% and will soon deposit £20k. So by my calculations I will make more than £500 interest over the the year. As a 40% tax rate payer, does that mean i…
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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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Trading 212 Cash ISA's GROSS interest rate?
Hello, I'll keep this post short... Am I correct in my calculations that the GROSS rate is 4.88% right now? (AER is 5.00%). Many thanks if you have the answer : - )
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Complaining about cash ISA transfer
I sent this to my new provider: --- I want to raise a complaint, it has now been 18 working days since I initiated the request with you to transfer in my cash ISA from [existing provider]. According to gov.uk this should take no more than 15 working days. I am now losing out on interest and the process has been highly…
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Chip cash ISA
Just started to apply for a Chip cash ISA, I’ve given them all my debit card details and now they are asking to allow 90 access to my account, why do they want access to my account? I’m nervous about giving this. Should I be?
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Maturity options, Nationwide members Fixed Rate 2 year ISA (FRISA)
My 2 year fixed rate FRISA will mature around the start of October so it's early days to to consider what might be on offer but I thought I would start this thread so that anyone with an earlier maturity date could post what sort of deal NW were offering. I remember last time the rates on offer were raised at least once to…
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Chip Cash ISA to Trading 121 S&S ISA
Morning , I requested a transfer of my Chip Cash ISA (for full balance) to my Trading 212 Stocks and Shares ISA on 7th August 24, but Trading 212 still shows progress as 'contacting provider'. I've not heard anything from Chip and my ISA funds still show in my account. Is it normal for transfers to take this long? Will it…
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Kent Reliance cash ISA 4.91%
Can someone
give me some reassurance please. Kent Reliance cash ISA 4.91%. Am I correct in
thinking if I open this account now with a minimum of 1k I can add to it as and
when during the term of the account as long as I stay within my 20k allowance? Thanks.
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oversubscribed cash isa
My mum accidently oversubscribed to Cash ISA's by about 10k.The recent one was opened today, can it be rectified by cancelling the account during the 14 day cooling off period?
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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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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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IS TRADING 212 the best option for ISA?
Hi there, I have both my LISA and SIPP with AJ bell. I have been considering opening an ISA to invest small amounts for the coming 10 years or so. After doing some research, I decided to go with trading212 because as far as I read it is “free” my questions are : is it really free to invest ? does it matter if I invert in…
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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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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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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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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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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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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?
