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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.

Discounted ISAs
Hi there, my first post on this board! :D I am looking to open a Maxi ISA this year and, after some deliberation, I think I have finally decided to go for the JPMorgan Fleming Natural Resources Fund. My question is, does anyone know where I can obtain the best discount on this particular ISA? Hargreaves Lansdown are…
Cash Isas and interest
Hi, Possibly a dumb question this but I was a bit well unsure. Am saving for a house deposit and want to use a quick access cash isa and pref this years allowence and then next years allowence. - Some pay interest annually some pay monthly and some a mix. If for example my money was in an ISA 3 months and the interest paid…
2005/2006 ISAs
Can anyone tell me approximately when the new ISA rates come out? And when is a good time to choose another provider without losing too much interest? I got into a real tangle last year with M&S bringing out a good rate only to be pipped by the Halifax about 3 days later!
Non-cash ISA's
I have my mini cash ISA full and intend to add another £3000 in 05/06. My question relates to the stocks and shares mini ISA I also have for my mortgage. When I was in the Abbey the other day the advisor said that I could have a "bond" Isa instead of the stocks and shares as they might perform better. She did say that last…
How is the interest for an ISA calculated?
Hi, The 5th of April dead line for ISA payment is closing and I have not yet filled my ISA. But if I pay in the full £3k in next week then will the interest of 5.5% with Bristol & Wests new deal be calculated for the whole year = £165? Or will the interest be calculated for few weeks unitll April 5th? regards
Savings options
Hi, I don't know if I'm in the right forum, but here's my question ..... my daughter will be 16 in a few weeks time, and will then be eligible to claim Disability Living allowance in her own right. Currently her Allowance of approx £150 pcm is paid into my account by D/Debit from the DWP. She would like to take control ,of…
Another Transfer question
I've had a cash mini ISA for a couple of years so it's got more than the £3K in it. If I transfer to a better rate ISA can I only move £3K max with me in the first year? Thanks
Abbey Postal ISA
I know there a lot of hate towards Abbey Customer Services at the moment but could someone tell me how long does it usually take to transfer a cheque from Bank X to Abbey postal ISA? I think I read ages ago on their forms it would take up to 4 working days but I'm after an answer from someone who actually got this account.…
Transfer question
Is it possible to transfer a Mini (stocks and shares) ISA with only £1500 paid in so far this year to a Mini cash ISA and be topped up? thanks
Isa can u spread £3000 limit over 2????
I have 2 Isa's opened up in 2 different tax years Question.... Can i pay into both in any one tax year but not exceeding my £3000 limit....i.e £1500 into each When I questioned this at the BBBS the lady kicked up a big fuss "Ohh you cant have 2 Isa's ...the inland revenue "Police" will av yer and you will be banged to…
Nationwide Instant Access ISA Interest
Hello All, My partner opened a branch account in 2002 but only went in today to get her interest added for periods ended 31/03/04 and 31/03/04. I'm very surprised the gross interest paid is only 3.75%, seems low to me, especially as the current rate is 4.85%. Anybody know if the branch rate is less than internet rate? And…
best option
We have always used all our tessa & isa allowances since they started and now have £53,000 in toissa,s & isa,s .This year we will invest in another isa each making our pot £60,000. Would like some info on best deals. We have never touched the interest so this has accumulated,however we are nearing retirment and may need to…
Intelligent Money
Has anyone any experience of Intelligent Money? Mentioned in Martin's Cheapest Way to Buy Funds article. I sent them an email yesterday but haven't had a response. Doesn't bode well.
YOUNG AND TOTAL NEWBIE TO ISA's
Hi, Looking for advice... Hope you can help - I've already found this site VERY helpful! Im 20 years old. 21 in June, I have 2 bank accounts (Visa Electron, Visa Debit) both with halifax I have 1 Halifax Classic credit card which Is in the process of being updated to Halifax ONE credit card (Intrest free for 9mths on…
Nationwide Members ISA notice period waived
I asked Nationwide to transfer my Members ISA to Alliance and Leicester on the 15 Feb and the paperwork has been sent 23 Feb. There is a 60 day notice on this account so I phoned Nationwide to find out why the transfer had been so quick. They said in busy periods the transfer can take up to 60 days anyway so they waive the…
Quick question about isa's (transfering money)
Sorry for the newbie isa question, just need a quick simple answer to a simple question i cant find the answer for. Say i save £3000 this tax year, and another £3000 after april 06 2005, and i transfer the money from that company in october to a better rate, can i transfer the whole £6000 to the NEW company or can you only…
Best cash ISA account,don't need quick access??
I want to invest the full amount allowed for this tax year.Any thoughts from the experts on here?
Abbey Special Edition Choices ISA
Been looking for a new ISA after the IF ISA interest rate went down. Have had a look at the Abbey Special Edition Choices ISA which is offering an interest rate of 5.5% fixed for one year. It seems like a good deal, you can transfer other year's ISA's across. However there seem to be a few downsides: - Interest earnt on…
Drip-feed rather than lump sum
I have £200 per month to invest in a Stocks and Shares ISA via one of the discount brokers using a fund supermarket. I'd like to split my £200 between 4 (or more) different funds. Having had a look around, I'm concerned that many of the interesting funds have a minimum investment amount, usually £1000. Does this mean I…
money to invest.
ok i am a student at uni in my second year. Currently have 7k to earn as much interest as possible on. I dont want to invest in anything too risky. Currently have an ISA with nationwide paying aroun 4-5% and an e-savigns account doing the same. As a student i dont have to pay tax on interest but are there any accounts i…

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