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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.
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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…
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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…
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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?
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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?
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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…
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help with transfer multiple isa's
hi all. looking for clarification. ive funded an isa for this tax year with chip. this isa does not allow transfers. however ive got 2 other isa's with virgin one thats already matured and another thats due to mature in a few months. can i transfer both of these into another isa provider? cheers
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Cash ISA's
Apologies for sounding a bit thick, and/or if this has been discussed already, but I've got a quick question about Cash ISA's. I've got £20K in a Virgin Money cash ISA that's been open since November 2022. Can I open a new ISA now (for example Plum), deposit £20K new money into it, and transfer the Virgin Money ISA into…
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ISA question
I opened a 1 year fixed rate ISA with NatWest last July so it is due to mature this July. However, as the new tax year has just started and allowance reset to £20k, can I add into this fixed rate ISA for the remainder of it's term before the rate drops? If so, can I do this only once or make multiple deposits? I know you…
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Any more providers ?
Are people aware of (m)any providers who have still to announce their fixed rates for 2024/5? (Oaknorth?) ..... or is it time to jump with Shawbrook while it's available, particularly since I noticed lastyear that the leapfrogging to reach the 'top of the table' was only in increments of 0.0001 which is worth £1.65 per…
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Zopa - Eligibility Requirements & new ISA rules
Zopa still have the following in their eligibility requirements: To open a Smart ISA, you'll need to have already opened a Smart Saver. You can do this in our Smart Savings Hub. You must also: * have not paid into a cash ISA with another provider this tax year * have not already used up your total annual ISA allowance of…
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Good ISA to open which recognises current account
Can't decide which ISA to transfer my matured ISA to. Put off by bad reviews on Trustpilot and put off by a couple that I've applied to but have to get certified statement and post etc. Are there some that are easier, haven't had this problem before
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Multiple cash ISA 1,2,3,4,5 year fixed
I have just opened multiple cash ISAs with Zopa an easy access at 5.08% 1 year fixed, 2 year, 3,4 and 5 year fixed all at various interest rates between 4-5%. Not seen any advice on this but why can’t I see anyone advising open a 5 year fixed and not deposit any money just in case the interest rate drops over the next few…
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Flexible ISA
I would be grateful if those more knowledgeable could confirm that my understanding of the flexible ISA rules is correct. My daughter has an off set mortgage with an interest rate at half a percent over base so currently 5.75%. I currently have a limited access ISA with Coventry. Can I open a new Coventry Flexible access…
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2 year cash isa
Sorry fairly new to this and not sure how it works. I opened a cash isa in March 2023 and then another in April 2023. Both run for 2 years. I assume I can open another isa April 2024 now we are into the next tax year. I’m not sure what happens when the 2 isa’s mature next year? What are my options other than withdrawing…
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20K to be put into cash ISA mid May
Hello, I've got 20K in a fixed rate bond which matures mid May & I want to put into a new cash ISA for 24/25 (for tax reasons) I also want to transfer a 2.5K cash ISA from Gatehouse into it to (from a previous tax year) Should I just open an easy access one now or a 1 year fix around the middle of this month, that allows…
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Multiple cash ISAs
Hi, I have not opened a cash ISA yet for 24/25 and I understand that I could open several and put £20,000 in each one and these will remain tax-free. Last year, I was only able to Open one cash ISA . Have the rules change this New tax year? Thanks
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Quick cash ISA question
I think the answer is yes to all but please confirm If I transfer an ISA from provider A that has just matured to provider B, can I still open a new cash isa with £20K Provider C Also can I transfer another older cash ISA from provider D to Provider E later in the year in addition to transaction involving A & B and C
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Transferring Cash ISAs
Can anyone please advise: I opened a one year fixed rate Cash ISA yesterday with £20,000. I have a Cash ISA with a different company which will mature in October 2024. This will then transfer into an ISA with a lower interest rate. Do I then have to wait until the new tax year, April 2025, before I can open a new ISA to…
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Yearly savings fixed interest accounts
Two of my savings plans with fixed interest have recently matured. However, the interest calculations were incorrect and would have left me out of pocket. The first was a Club Lloyds Monthly Saver with a fixed rate of 6.25% for the year. Lloyds changed it to an instant saver when it matured after a year so when I closed…
