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ISAs & tax-free savings

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

Cash ISA
If I have added £20000 it my isa by March 2024, can I add another £20000 to it in April 2024 in the next tax year?
Coventry Building Society ISA transfer process
Using the online transfer process to move previous years funds into an ISA with CBS I have encountered a problem that CBS didn't seem to know about. My request was rejected because the form sent to the other building society has the following question and answer on it 'Have you subscribed current years funds to this ISA?'…
Leeds BS ISA Maturing
Hello - I've tried searching the forum but can't see the scenario detailed that I have... My Leeds BS ISA (12m fixed) is maturing on 2/4/24. this is at 3.75% It will have around £83k in it when the interest is paid. Leeds don't have anything competitive so I think I want to do the following with these funds... split the…
Changing stocks within ISA
If I have a stocks and shares ISA setup with an online tool (eg investengine) am I allowed to change the allocation within the ISA at any time, eg buy an ETF, Sell an ETF, move to cash etc (all within the ISA)? I'm asking this because if I think an ETF might be decreasing in price I might want to sell it, move to cash and…
Metro refusing to allow me to pay back in withdrawn funds into my Easy Access Variable Rate Cash ISA
In 2018, as I needed access to my Stocks and Shares Isa funds I transferred it into a variable rate flexible cash ISA with Metro Bank and ever since then I have been adding in 20k extra per year. At the beginning of each tax year I have been withdrawing all of my built up fund in the cash ISA and used them to offset my…
Additional Rate Taxed Savings ... what to do?!
Hello everyone, This year (and maybe only this year) I'm an additional rate taxpayer. Due to a house sale I've had a fair amount of cash sat in a high interest account all year, and this has accrued about £9k of interest! (Barclays Blue Rewards Saver 3.5%) I've already used my £20k ISA allowance so am wondering what is…
Transferring Santander Fixed Rate ISA
My Santander ISA matures on 2 April and I want to transfer it to a new provider as their rates aren’t competitive. Are there any providers who are very efficient for transfers or any to avoid?
Drip-feed from Chip ISA to regular savings - cons?
Anyone using the Chip ISA? Can I simply move all my money there and drip feed out to higher rate regular savers if I need to? Normally should just be covered with my salary but what could go wrong with this strategy? I've just seen the MSE high-interest lump sum and drip-feed from lump sum into regular savers comparison…
Opening a second cash isa before April
Hi, I am newish to ISA rules and wondering if someone can help me. I opened an isa in 2022 fixed for one year at my full allowance of 20k. It matured in Oct 2023. I transferred the full amount including the interest which i thing was around 20.8k at the time into a fixed cash isa with another provider. I would like to open…
CHIP cash ISA
Does anyone know if I can sign up / open a flexible 5.10% CHIP Cash ISA now, and not fund it until after April 6th, or do I have to fund it with at least £1 (which I don’t want to do). I can’t seem to have that clarified anywhere. Thanks.
Getting the interest rate updated on your Cynergy Online ISA
Just posting this for the benefit of others as I almost lost out. I took the advice of Money Saving Expert and opened a Cynergy Bank online ISA at the start of February - just a month ago - and deposited £20,000. At the time the interest rate was 2.85%. Then Cynergy very quietly announced that their online ISA has risen to…
Anyone have S&S ISA with Virgin Money?
I have another thread explaining what I want to do with regards to opening a Virgin S&S ISA before tax year end, for allocating maximum £20000 funds. I will be investing approx £3000. Plan is to move this to Virgin Fixed Rate ISA. The main question is, I see there are fees with regards to management, account holding etc..…
Cash ISA - move to new cash ISA
Hi hoping someone can help clarify this for me please as a bit confused ! In April 23 I opened a new cash isa in order to get a better rate on a prior year cash isa which was with a different provider. I have not put any new cash into this isa this year ie just the prior year isa value. question I have is can i still open…
Renewing maturing ISA
My cash ISA matures on 12th April, next tax year. Should I complete forms now to transfer to new ISA on maturity, using present rates or wait until interest rates are published for 24/25.
Lifetime ISA - different product for retirement vs first home?
With lifetime ISAs, is it a different product depending on whether you're saving for retirement vs buying a home? Reason I'm asking is that I want to open a Tembo lifetime ISA for retirement, but when I download the app and start filling out the forms it's asking me for details about the house I'm buying and when I'm…
Paying into Moneybox Cash ISA - direct debit only?
Does the Moneybox Cash ISA make you set up a direct debit to pay money in? According to their help page (https://www.moneyboxapp.com/faqs/how-can-i-pay-in-2) it sounds like you can make an instant transfer from your bank, but according to this thread…
Premium Bonds - Did you win?!
Wasn't there a thread for premium bond winners to post their winnings month by month? I've searched the forum but cannot find anything like it, or did I make it up? Or maybe it was on another board..? I don't currently have any premium bonds but I am considering them, maybe seeing some members winning will be the catalyst!
Halifax to Virgin ISA Transfer timescales
Apologies if covered before but couldn't find anything. I currently have a Halifax 1 year fixed rate ISA due to mature 6/4/24. Wanting to lock in the Virgin 5.25% rate by transferring my existing pot to them and contributing further £20k 24/25 tax year. If I open the Virgin now and initiate the transfer what is the…
ISA Query
Am I right in saying that it is the time at which you deposit money into an ISA that determines the tax year and not the time at which you open the account. I would like to lock in the 5,25% Virgin ISA rate (one year) now but not dpeosit the money until after the new tax year has started (6th April). I have already used my…
ISA transfer advice needed
I have two old ISAs earning next to nothing in interest and also want to start a new one this financial year (before Apr 6th 2024) I have read loads of threads and other savings advice but can't seem to find (or perhaps can't understand) what I need to know If I use up this years allowance of 20k starting a new ISA, can I…

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ISAs & tax-free savings

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