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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.

S&S ISA - transferring-in from a Cash ISA
It's my first time posting here (it's a Life Admin Saturday and I've also just posted to the retirement planning forum!) I've been a reader of this forum for a good few years, mainly following tips about savings and cash ISAS and the knowledge of the regular posters here has been much appreciated. I’ve finally come to the…
Isa’s and “friendly” society’s
Hello, I recently inherited some money and want to put the max £20000 into my isa on 6 April. I have been paying a small amount into isas with Scottish Friendly ever since my daughter was born several years ago. Can I continue to pay into those isas after the 6 April if I put the max into my isa?
L-ISA transfer - BeeHive>Moneybox. Duration?
Relative of mine applied at Xmas/New Years to transfer their L-ISA from BeeHive to Moneybox. As of yesterday their Moneybox account still showed £0 & they're asking me how long this process should take. I would've thought it would've been sorted by now. Couple months should be plenty of time but seemingly not. Over to you…
Cash ISA age limit
I understand you can open a cash isa age 16+ but why do some providers still state you must be 18+ ? A number of the best buys on MSE fall into this category
ISA QUESTION
I have a one year fixed ISA with bank A that matures in May 2024 using my full allowance for 2023/24. I wish to open another fixed ISA in APRIL 2024 with bank B using my full allowance for 2024/25. Bank B tell me if i open a 1 year fixed ISA with them in April i then cannot transfer over the ISA from bank A when it matures…
ISA Question
My wife opened a fixed rate isa funded it with 20,000 August 23. But the funds were returned to her bank because there was a problem with the account name. She decided not to do anything more and left money in the bank. The ISA remains open but no funds in it or interest ever paid. Question is can she open another isa with…
Help to Buy ISA
Hi, I'm just thinking out loud here, I have about £6k in a Help to Buy ISA yes I'm aware the scheme is closed. The interest rate isn't much, I am hoping to buy a house in the near future I don't know how it this isa works anyway other than getting a top-up from the government. I'm just wondering if it's worth keeping my…
Short dated gilt accumulation units in an ETF/tracker
Dear All, Does anyone know of short dated gilt accumulation units in an ETF/tracker/ low cost fund? I'd like to hold some short dated gilt funds (say 0-5yrs) in a passive low cost fund in an ISA and hence want accumulation units and am surprised that I could not find any accumulation units in a passive short dated gilt…
St James' Place - Management Fees - Reclaims
I'm seeing lots of adverts and emails recently about reclaiming Management Fees from SJP - where they have taken an annual fee but provided no service. Is this a real thing, or just spam from opportunistic 'Claims Handlers'. We've had SJP ISAs for many years, but never hear from them. Any thoughts appreciated.
S&S ISA transfer incentives for the turn of the FY
I stumbled across the recent announcement by InvestEngine for a tier reward system depending on how much is transfered to them from another ISA provider. Its that time of the year so nothing too surprising but it got me wondering on a few possible questions. -Do you normally take advantage of these? Any anecdotal…
Understanding basic S&S ISA charges
Can somebody please help confirm/correct these examples? I've not added the cost of actually purchasing the fund so maybe guide me there. I'm not sure I've calculated the on going charge correct either? There is no monthly investment, but ongoing let's say you whack the 20k in, in one go each April. Have I covered all…
Please help me understand these figures from Aviva, I'm losing my mind.
Ok so let me set up the background of my ISA Stocks and Shares account. I hold two funds in this account - Fidelity Index UK Acc P and Fidelity Index US Acc P To date, it's value was just shy of £5,000, and today I am purchasing another £4,000 worth, split across these 2 funds. The fees shown for both are the same % Here…
Long Term Cash ISA
Question........................Looking at the next tax year, at what point do you decide a long term cash ISA is better than a short term one?? Top Interest rates for a one year and a 5 year are less than a 1% difference so if you compound the interest your quids in...........................or am I wrong??
Fixed Rate ISA maturing mid tax year
Hi, I'm new to this site, so please be understanding if I get it wrong. Senario; If i took out a 1yr Fixed Rate Cash ISA in August 2023, which matures in 2024. In on April 6th 2024, I assume I can open a new 1yr Fixed Rate Cash ISA with the max £20,000. When the original Fixed Rate Cash ISA matures in September 2024 the…
ISA allowance 23=24
Had 2 instant access ISAs at 5/4 /23, in Jul23, transferred £4000 from 1 to other, then £8k from another savings a/c, all with RBS. Forgot about the above and tried to open new fixed rate ISA on 8Feb. It was rejected as RBS said I only had £8k available, ie. £20k less the above £12k. I accept that the £8k would be part of…
Isa transfer issue - asked for prior year transfer they requested in year!
I have identified an issue with an ISA transfer - which I would like advice on given the potential HMRC implications. This highlights potential issues with the systems of the new provider - who I don't wish to name but does get a lot of coverage on this sub forum! At the end of November I requested an isa transfer from a…
ISA options to use allowance
So far this tax year I’ve put 12500 into a fixed rate cash isa, funding window now closed as product withdrawn, leaving me with 7,500. option 1 - take the hit on interest and transfer to another ISA then top up with 7,500. option 2 - is this possible; open S&S isa, but leave as cash? Then transfer to cash isa next tax…
Stocks & Shares and Trading Platform
Hi, Just after a little advise, are you able to move profit generated from stocks on a trading platform to a Stocks and Shares ISA tax free? Any help would be appreciated.
Cash ISA Transfer
Do ISA rules allow me to open a new cash ISA which requires a deposit of £1 so that I can transfer i
Interest between ISA transfers
From HSBC to Virgin. Who is responsible? Thanks.

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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.

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ISAs & tax-free savings

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