-
Transferring Cash ISA questions
I've not transferred an ISA for many many years so don't know the do's and don'ts. My Cash ISA is currently with a Credit Union and I will be getting the interest (annually) of 4% early April 2025 but I'm thinking of transferring it to Trading 212. I'm sure I read that Trading 212 only accept certain transfers and I'm…
-
Jan 2025 - Can I take more out of a flexible ISA account than in to fund another ISA
@eskbanker May I ask you this question please (thank you for having answered to some of my saving questions elsewhere). Anyone else who can give any insight, please do, thank you. Sorry the title of the thread is not great. I am opening a three years fixed Shawbrook bank ISA and was about to withdraw money out from a…
-
Cash ISA/Stocks and shares ISA
I have a cash ISA with a bank, can I open a stocks and shares ISA and also another cash ISA with another provider
-
Quite a complex ISA scenario with foreign SAYE in play.
Hi. I've been trying to get an answer to a question even my accountant friends are not sure of. To keep it brief and to the point.. I have multiple SAYE schemes with an American Company that all matured in November 2024. I then transferred the SHARES (not the money) from the US appointed holding account to a UK AJ Bell…
-
ISA and year End
Hi I am a little confused about how cash ISA's. From what I understand each year a person can open up an ISA which then in the first year gives one £20k tax free savings, the second year then £40k and so on. So my question is, if I opened up a cash ISA mid last year, then do I just open up another one this year and how…
-
Closing Junior Cash ISA
My two children have Junior Cash ISA's with Halifax, which were originally set up by their foster carer. When we adopted them we changed their names and address (which was a complete mission, I had to go into branch about 5 times and don't live anywhere near one) anyway a couple years down the line and we don't use it and…
-
Trading 212
Good morning Advice and help required please I have opened a trading 212 cash isa and completed a transfer form to move money from ford bank. Trading say they have contacted ford but ford say they haven't heard anything. It's been over the 15 days now. Ford live chat not very helpful and say they will look into it. They…
-
ISA Transfer Question
I am in a fortunate situation whereby I am wanting to build up money in an ISA to avoid paying pax. Currently, I have £20,000 (plus interest) in one ISA which is due to mature on 5th Feb. I also have another ISA account from this year which will mature in the new financial year April 2025. This means that in this financial…
-
Impact of higher tax rate on savings
Hi all, My new job is going to push me into the higher rate tax band, though probably not this tax year. I remember Martin speaking about how the amount of savings interest you can earn before paying tax on it goes down at that point, but I can't recall and can't find how much savings you would have to have for that to…
-
Trading 212 / Moneybox
I'm currently think of transferring my cash ISA to either Trading 212 or Moneybox, but am a bit undecided between the two and was wondering if anyone knew the answers to the questions below: * Do either provider subscribe to the BACS Electronic ISA transfer Service? * If not, do either backdate the interest earned from the…
-
What ID is needed to set up LISA
which kinds of ID are needed to set up a LISA? My daughter will be 18 soon but doesn’t have a driving license, her “child” passport runs out in May can I still use that in March or does it need at least 6 months on it? If I send off for a provisional driving license would that be accepted? Does anyone know how long it…
-
Virgin ISA transfer out
When transferring out from a Virgin ISA, is it best to select 'Clydesdale bank plc' for sort code beginning 82, even if 'Virgin Money' is also an option on the new ISA provider transfer request online form?
-
Increase in value
How much would £145k invested in 2009 have to be worth today to mean that I am in profit ?
-
Do transfers from other ISAs count as "ISA funds from previous tax years"?
Let's say I deposit money into ISA A in tax year 2023-24. Then I transfer all of that into ISA B in tax year 2024-25. I also make new deposits into ISA B in 2024-25. If I then want to transfer just the 2023-24 cash from ISA B into new ISA C in 2024-25, can I just choose the "transfer ISA funds from previous tax years"…
-
Trading212 Cash Isa does it Compound
Hi All Does the trading212 cash isa interest compound looking to open one.
-
Paid into S&S ISA as non UK tax resident
Hello, I was UK tax resident for the past 4 years, in which I had a S&S ISA. For 2024-2025, I paid a lump sum of 20k on 10 April 2024 and then in June moved abroad. I won't be coming back until the end of the tax year, so according to the SRT that'll make me non-UK tax resident for the entire 2024-2025 tax year. Does it…
-
Transferring a fixed rate ISA after it matures, but without it going into a non-ISA account
Hello - apologies if asked before, I didn't spot this question in the forum. I have an Oak North fixed rate 1 year ISA that matures 28th Feb 2025. I would like to transfer it to whatever the best cash ISA is just after maturity. But if the ISA converts into a regular (non-ISA) savings account just after maturity, then when…
-
Moving money between ISAs?
Is moving money between ANY ISAs allowed? I currently have a Barclays Cash ISA which is maturing in a week. After I collect interest I would like to move this money into a Barclays Stocks ISA. Can I do this without losing tax free status? Thanks
-
Moving my poorly performing Stocks and Shares ISA to a cash ISA
I have had Stocks and Shares ISA for 9 years with very poor return. I want to move some of it into a higher interest cash ISA. Can I do this directly, without going via my bank? I know there is a form that can be completed. Is this the safest way to do it?
-
How is tax calculated on a non ISA share dealing account
hope this question makes sense. I’ve got a S&S ISA that I’ve added the maximum to for the last 3 years, and have saved £20k (it’s currently sat in my normal dealing account, invested in ETF’s) ready to transfer into my ISA this new tax year in April. The dealing account is actually about £26k, built up since last April…
