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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.

Trading212 cash ISA - newbie bonus?
Hello folks After reading the recent MSE article here about ISAs, I immediately opened a new Cash ISA with Trading 212 as it seems to have the best rates currently - 5.04%, including 0.54% new customer bonus. I've opened the account and deposited some money, but the interest rate shown is just the standard 4.50% - lacking…
Help To Buy ISA queries?
I have a Help To Buy ISA with 25K in it. I've just been paying in the £200 per month for years and not really given it much thought. Now the interest rate has dropped to 1.05% for anything over 12K. 1. Is there any point putting more than 12K in a Help To Buy ISA? As the maximum bonus is 25% capped at 3K. 2. Would it be…
APS providers which aren't online only
I'm helping someone to use the APS allowances after their spouse's death. The person won't do online banking so we need accounts which can be managed by other means (preferably by phone) and also allow transfers of the allowance, since two of the four ISA providers don't support APS and one is not suitable. The fourth is…
Transferring ISA Bond from United Trust Bank to Lloyds
Last year I applied for an ISA 1 Year Bond with United Trust bank. This is due to mature on the 22/05/2025 with interest to come. On the 14/04/2025 I applied for a new ISA with Lloyds, I’ve already paid into this account. Do I need to wait until the 22nd before I can transfer this to my Lloyds one, or else I won’t get the…
ISAs after death
I currently have around £110k in cash ISAs increasing every month with compounding interest. I have no plans to dip into this money until I retire in around 3 years time. I also intend to max out each yearly ISA allowance up until then, so I should have in the region of £180k-£190k in tax free ISA savings (if Rachel Reeves…
Quick ISA question - how long is the 'year'?
Will be opening an ISA at the end of next month - there are some which give a 'bonus' rate for a year of an extra 1% or so, but I guess this question relates to all ISAs - if I open it and put the money in at the very start of July is the money tied into the account for a calendar year or until the start of the next…
Trading 212 Cash ISA transfer in process
Is it straight forward and swift, or fraught with unnecessary headaches? I need to find a better rate asap. Been putting it off far too long!
Well done Principality Building Society.
Credit due. Popped over to my local branch of Principality on Weds to fill out a transfer form from RBS to Principality. I got up this morning, and all the funds have been moved over and in the account. Well done to them. 👍
ISAs and Special Needs
Hi folks Not sure whether this is the right forum or whether I should be asking in the Disability Forum but I'm trying here first. My son (32) is severely autistic, non-verbal and has learning difficulties. His dad, my OH is his legal guardian in financial and health matters. My son has a moderate amount of money in a…
Help To Buy Isa
Hi I am looking for some advice regarding the no longer available H2BI. Both my adult kids have the full amount invested and it's sat there waiting for the time they can afford to buy a place but like many others find that with the limit outside of London being £250K this means they won't qualify for any bonus as despite…
Flexible cash ISA - withdrawing interest
This discussion was created from comments split from: Flexible ISA fund interest withdrawal (and adding back in).
New Santander ISA funding
I’ve got an ISA maturing at the end of May and I’m looking at moving all the funds into a new Santander 2-year fixed option. I hope this would qualify for the £50 incentive as the total will be in excess of £15000. What I’m trying to establish is; 1) Can I open the new ISA now and start funding it with ‘new money’, then at…
Additional Permitted Subscription ISA
I was looking for information about this today and landed on a discussion which was dated 2020. Fortunately did not act on the advice without checking as I have been advised by NatWest that the advice is incorrect now as they say HMRC does not allow an APS to be transferred to a new provider.
Suffolk FR ISA 2 year allows further additions until 05/04/26
Might be one to open speculatively Min only £100 to open. Can add funds until end of this tax year which only a few other providers allow.
transferring cash isa's to another provider
Hello. I have a couple of old cash isa's that are, will soon be paying just above 1%. These have no restrictions as the fixed period is over Looking on this site, you can get around 4% in a cash isa - I am investigating fixed rates for one year Am I correct that I just need to contact the new provider and they will send me…
Chip ISA and unexplained account changes
I’ve had a Chip ISA since 24/25. I made a deposit and it failed, tried 3 more times and all failed, likely a poor internet connection. Attempt 5 worked; funds showing in Chip, confirmation email arrived. Couple of days later the funds had still not left my bank account but were showing in chip. Then say 3 they vanished…
Tranfer ISA to Kent Reliance
Hoping someone here may be able to suggest something.I am trying to open a Kent Reliance easy access ISA by transfer from Aldermore. Kent wants an 8 digit account number. Aldermore has a 7 digit account number, or (with 3 characters added) a 10 'digit' roll number.Kent won't accept a 7 digit number, it won't accept the 10…
Chip ISA promotion codes
A warning message really to anyone who has just opened a Chip ISA and thought they were using the best newbie promotion code available according to the Chip in-app advice! I opened a Chip account on 19th May where the app advised the best booster rate was 4.85%. The following day - 20th May - they released a new booster…
Transferring Cash ISA from Zopa to Trading212
I opened a new Cash ISA on Trading 212 in April and requested that they transfer my previous Cash ISA from Zopa (which contains about 40K). It's been more than 3 weeks (including a couple of bank holidays to give them their due) and it still hasn't migrated across to T212. Is this normal or are T212 swamped with similar…
Cash ISA transfer - sanity check
I’m having a bit of a ding-dong with YBS over a cash ISA transfer into them. It’s a partial transfer (allowed by the old provider), with the transfer amount being well below the amount accrued from previous years, and well above the amount I deposited this year into the old ISA. I have asked that the transfer should only…

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MSE News

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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
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ISAs & tax-free savings

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