We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

Does withdrawing from a Flexible ISA equate to "subscribing" to it?
Hi, As I understand it multiple subscriptions are allowed for 24/25 onwards however I have been desperately trying to find out whether withdrawing from a Flexible ISA equates to "subscribing" to it in the current tax year (23/24). My situation is as follows: I have two stocks and shares ISAs, ISA 1 and ISA 2. Both were…
Best ISA for 10K now
Lads, Whats the best ISA for putting 10K TODAY with a view to withrawing it in 2026 when I come to remortage. Also if I opened an ISA last June does that limit what I can do this year? Cheers!
Is money box a safe company to invest with .?
Are money bow insured ?
Paragon 1 Year Fixed ISA @ 5.05%
Not the best, but not far from. Paragon have hopefully opened the ISA market as we approached the end of the Tax year. Even monthly interest available. Now waiting for the others to compete with Virgin @ 5,25%,
Fixed Rate Cash ISA advice
Hi guys, im pretty new to Cash ISA’s and this year was the first time I’ve opened one. I’m still a bit confused with the rules around them going forward so just wanted some advice for those who know better. I opened a 1 year fixed rate cash ISA in August 2023 and deposited £20,000 which I understand is the max amount per…
ISA Question
I opened a fixed 2 year cash ISA with Virgin in April 2023 at 4.26%, I've now opened the 1 year 5.25% fixed with Virgin, i'm waiting to fund on April 6th, is there anything stopping me transfering the 2 year fix into the new ISA.
23/24 ISA Allowance
Hi All Newbie to ISA's here, so apologies that I'm a novice in advance!! So I took out my first Cash ISA last August (2023) with10K. Its a fixed rate one for a year. I'm aware the deadline to use by other 10k allowance is coming up before the end of the current tax year in April 2024. I've checked with my provider (Nat…
Bed and isa
I have some shares that l would like to bed and isa, but have had them so long l don’t know what they cost
Yorkshire Cash ISA maturity - do you retain your flexible withdrawal allowance
Does anyone have first hand experience of this? When my Yorkshire 6-access ISA matures, I am told it will retain its account number but change to a different product. Currently I have mae withdrawals from the ISA, and aim to put them back in as part of the flexible allowance this tax year. But maturity occurs next week. Do…
Innovative Finance ISAs
There isn't much info about these on the site or forum - does anyone have any experience / recommendations of providers etc?
ISA Question
Hi I have a fixed rate cash ISA with a bank which matures in November 2024 which has the maximum allowance for this financial year of £20k.Can I add the maximum allowance ie £20k into this ISA once the new financial year begins in April 5th or do I have to wait until the maturity date of the ISA in November ?
Just opened a Chip Cash ISA (5.10% AER)
Hello everyone, Yesterday I opened a Chip cash ISA(5.10% AER). I've linked it up with my bank account for 90 days and as yet not transferred anymoney into it. I did read something about transferring back out I might have to give them a call first, not sure I'll have to do this if I've linked my bank account already? It was…
Transfer in to Zopa
Hi, Anyone done a transfer into Zopa yet, any issues? I already have a Zopa ISA funded from this years allowance. Elsewhere I've two Virgin (exclusive) accounts which together now exceed the FSCS limit, so am considering transfering the smaller one into Zopa.
Lifetime ISA Cash or stocks
I'm 22 and will graduate this year. I recently have downloaded the moneybox app and looking into putting some money into a LISA. I was thinking of putting it into cash because I wasn't sure about risking it, however, I had a think about it it and I think I don't mind losing a bit of money as long as it isn't over a £1000.…
Can a cash ISA only be funded in the year of opening?
Hello ISA experts I would like to know if I open an ISA now for the 23/24 year can I still pay into it in 24/25 and open another ISA in 24/25 and fund that also? Many thanks.
New employer but same WPP?
Just wondering what happens when you leave one employer who go with one workplace pension provider & you go to a new employer who also uses the exact same pension provider? Do you contributions go in to the same pot or is it like a second account?
Which S&S ISA (or SIPP) providers have Crypto ETFs available ?
I'm about to sell my profitable crypto coin for £6k profit to avoid future CGT (and keep the losing coin for a while). But I don't want to get out of crypto now that I am finally in profit! My current ISA is with ii and I can't find any crypto ETFs there to make a quick swap easy. So looking to move £20k into a new S&S ISA…
Does HTB ISA prevent opening another ISA?
Hello everyone. While I am aware that you can only open one cash ISA each tax year (assumption that the full 20k allowance is utilised) and/or contribute to one, I just want to double check something. My partner opened HTB ISA few years ago and has been putting in max.£200 each month. This account will soon reach the…
Matured ISA Transfer
Hi All. Can i ask for advice please on the below scenario, I'm a bit confused and unsure if this is possible. Feb 2023 i opened a Barclays 1 year fixed ISA which matured Feb 2024. This ISA was funded with the full £20K of my 2022/2023 allowance, and then in June 2023 i added another £2000 from my 2023/2024 allowance. When…
Matured fixed ISA bond
I wanted to move some of my money out from my matured fixed rate ISA bond, which consists of a few years, to another bank and was told I can only do the full amount. Is this correct?

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

View All

ISAs & tax-free savings

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

ISAs & tax-free savings

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free