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We want to hear about your Lifetime ISA (LISA) experiences
Are you planning to use your Lifetime ISA (LISA) towards your first home? Have you used one already, or tried to? We’d like to hear about your experience.Got a second-hand story about a friend or relative using a LISA? We'd love to hear that too. Or better yet, ask them to register for a Forum account and post about it…
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ISAs & Tax-free Savings Sticky
💷 Forum threads on this topic which you may find useful: * Tax Free Savings Guide Discussion Area * Lifetime ISA Discussion Area * Help to Buy ISA Discussion Area * Stocks & Shares ISAs Discussion Area * Cash ISAs: The Best Currently Available List * Transfer Cash ISAs Discussion Area 💰Helpful content from…
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HL LISA fees
Fees going to .25% for management of LISA with Hargreaves Landsdowne. I normally buy funds twice a year. Once after April 5th, once when the bonus comes through. Where are other people looking to move their LISA to if cheaper alternatives exist? I already have II (now scottish widows) for ISA so prefer to keep seperate…
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Ford Money - Interest Reduction
Just received notification that Ford Money are reducing the rate on their Flexible Cash ISA from 4.04% to 3.79% on the 12th February. Have been really happy with how easy and quick it's been to withdraw and replace funds. Same day payment if requested before 1.00 pm. Might to look for a better interest rate.
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Looking to open a Lifetime ISA
Just had a reel pop up on Instagram of Martin Lewis saying I should open a lifetime ISA and I am 40 in a couple of months so it's now or never. However I am finding it so confusing! I have also seen people saying they signed up and have been charged on their own money, but I can't understand why. Basically I am a 39 year…
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Cash ISAs: The Best Currently Available List
Cash ISAs: The Best Currently Available List **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. ** The current Cash ISA limit is £20,000 for the 2025/26 tax year. **As with any financial product, before opening an…
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Zopa mistake
I thought I'd let you forum people know, in case you didn't already, that Zopa have made a mistake and they have informed HMRC of people's ISA interest as though it was taxable interest. They have informed HMRC that they have made this error and HMRC have confirmed to them that they will correct the error on people tax…
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HL JISA New Fees
Just wondered what peoples thoughts were on HL's new fees on JISAs My daughter has held a JISA with HL for a while now, I typically fund the account monthly by debit card, and buy ETFs with any cash balance on her account. As of 1st March, investing into a JISA with HL this way will attract fees (£6.95) per transaction,…
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IG's £200 Cashback when you invest £200
Hi. Does anyone know if I would still get the £200 back if I deposited the money into IG but did not buy S&S or ETFs? I've already deposited the money and am now feeling extremely overwhelmed having to choose what to buy. I've only ever invested through a platform so wasn't expecting the billboard of flashing lights. If I…
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How can i find out if i've maxed Cash ISA allowance for the F/Y?
Long story short, i've been moving my main Cash ISA to various providers this year as the rates keep dropping and i keep using up all the new account bonuses, until they drop significantly. I also have a Lifetime ISA. I forgot how much i deposited this year because not all the providers track what i put in, and i've taken…
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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Transfer Out eToro Cash ISA
Hi everyone, hoping for some advice. I recently opened an eToro Cash ISA, but I'm not entirely happy with it. I know it is linked to a QMMF (Qualifying Money Market Fund), but the value has actually dropped over the past few days. If the interest was paid monthly, I probably wouldn't notice the daily volatility, but…
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IG buy shares
Hi. Following the offer posted on the newsletter I opened a stocks & shares ISA with £200 yesterday. I have gone back on & cannot work out how to buy. I can’t find the open platform option at states on Martin’s instructions . I got the app but still can’t work it out. Anyone help?
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Transfer Out Plum ISA
Has anybody successfully transferred out a Cash ISA from Plum? I initially opened an ISA with Cynergy Bank but as part of the account opening, Plum (Plum Fintech Ltd (Saveable Limited - FCA: 739214)), wasn't listed. I contacted Cynergy once the account was open, only to be told they only accept transfers from institutions…
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S+S ISA for house deposit
Hi all would be interested to hear any comments/advice on this My daughter has about £20k in a S+S ISA , about £15k in the bank savings (not isa) and has a LISA which again is about £15k and is maxing that out every year - so about £50k in total. She is hoping to move out and buy her first home in 3 years . My query is ,…
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MoneyBox cash ISA rate not as advertised.
I looked on MSE for the best ISA rate last week and saw MoneyBox was the top rate at 4.32% AER. I'd never heard of MoneyBox before. I downloaded the MoneyBox app and opened the cash ISA account, but the rate on my cash ISA is only 4.27% AER
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Flexible ISA rules
Hi, This has been asked and answered before. I’m asking now as it’s possible the rules have changed since some of what I’ve read was originally posted. Also, there is some conflicting information on different websites. Query: I have a balance in my trading 212 flexible cash isa. Let’s say for simplicity the balance is £20k…
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Transferring to Trading 212 Cash ISA
Just opened a Trading 212 cash ISA and trying to trqnsfer funds from my bank (Allied Irish Bank). I have never done this before, so please bear with me. Despite giving them the sort and account codes it looks as though they cannot transfer the funds ? I get a message transfer a portfolio from another provider (I get a list…
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Emerging LISA future rules
I have recently read an article (The Mirror: "“Lifetime ISA win for first-time buyers – but bad news for retirement savers”), which said that: "… You currently face a withdrawal penalty if you use your Lifetime ISA savings for any reason other than buying your first home or retirement. This not only wipes out the bonus,…
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Flexible ISA's redundant
Hi all, having a so called flexible ISA with Zopa, they say that it's not going to be allowed to transfer part of the ISA to another provider, however if you do a full transfer they will close the account; they say they will accept partial transfers in so that's why it is a flexible ISA. This can't surely be right, as all…
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Tax Free Savings Guide
Hi! This is the discussion thread for the Tax Free Savings guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks, MSE Helen
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Coventry ISA transfer in form
All current years subscriptions plus part previous years subscriptions Immediately adjacent to this line it says total amount beside a box for entering the figure say £10000 pounds how much would you expect the current holder to transfer? Coventry are unaware of the current years figure
