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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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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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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Lifetime ISA parliamentary consultation: have your say!
The Treasury select committee have commissioned a review "asking for evidence on whether the Lifetime Individual Savings Account (LISA) is still an appropriate financial product nine years after it was created", including a range of questions seen regularly on threads on here, so those with views on the subject are invited…
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New ISA rules April 2024
HMRC has recently released more information regarding the new ISA rules to come into effect from April 6th 2024. Notably, it includes: 1.1 Increase the age for opening cash ISAs from 16 to 18 years old and over From 6 April 2024 it will not be possible for anyone aged 17 and under to subscribe to more than one…
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Trading 212 - now showing "replaceable funds" separately
I complained to Trading 212 a while back that the way they display your remaining ISA allowance is misleading. Credit where credit's due - they have now separated out your "replaceable funds", i.e. previous years' funds that you have withdrawn, and this is shown separately from your used/remaining ISA allowance for the…
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Flexible ISAs: Current year subscriptions can no longer be replaced in a different ISA
This came up in a thread on the main savings board, but I thought it worthy of its own thread, as several forumites make use of ISA flexibility to move money between their various ISAs and it has been the subject of quite a few threads in the past month or so. Original thread is:…
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Market leading 4.90% Four Access ISA from Coventry
Market leading 4.90% ISA from Coventry. Available from mid-day https://www.gbnews.com/money/coventry-building-society-savings-isa-rates
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S&S ISA Transfer to iWeb
I requested the transfer an S&S ISA transfer from Halifax Sharedealing by post (no online option for this request) into an existing iWeb ISA on February 23rd. There were 3 funds to be transferred. This was my first ever S&S ISA transfer, so I had set my expectations for completion of the transfer to some 4-6 weeks, with…
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Query re bereavement and ISA allowances please
My wife, who passed away from cancer just under 3 weeks ago, had a range of Stocks & Shares and Cash ISAs from a variety of providers from previous tax years but had not contributed to a new ISA this tax year. I think I more or less understand the regulations affecting 'Additional Permitted Subscriptions' but would welcome…
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Interactive Investor to iWeb S&S ISA Transfer - Positive Experience
Hi everyone With trepidation I kicked off an ISA transfer from Interactive Investor to iWeb on Saturday. Three tracker ETFs in total. Just received notification that the transfer has completed and confirmed it by signing in. I can not complain at all. When starting the transfer it did say that ii to iWeb would be mostly…
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Secure your 2023-24 fixed term ISA rate *now*
If you are planning to have a 1 year fixed cash ISA next year, it might be a good idea to apply for it now. The Virgin Exclusive ISA* is 4.25% and matures 29/03/2024, which suggests they might withdraw it for new applicants at the end of the month EDIT 19/03/2023: the 4.25% version has been withdrawn on March 17. Thus you…
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Caution - Investec Fixed Term Cash ISA
I started to apply for a 1 year fixed cash ISA, after it came up as one of the top rates in the weekly newsletter. During the online application it asked for a linked current account and stated all funds in and out of the ISA would have to use this linked account. That made me question how transfer request to another ISA…
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Martin Lewis: Cash ISA limit could be cut – this is 'p*ss people off economics'
Reports in various newspapers, including the Financial Times, suggest that the Chancellor Rachel Reeves will announce a cut to the £20,000 cash ISA limit during her Mansion House speech on Tuesday 15 July. MoneySavingExpert.com founder Martin Lewis has reacted to the news, calling the potential cut "a mistake". Read the…
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Rapid ISA transfer
I must admit - I'm impressed. Earlier this month I opened an ISA with Vanquis requesting a transfer from a maturing Virgin ISA. That ISA matured today and the transfer had been completed by this evening - I'm not sure when exactly. Just a bit of good news for a change.
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Coventry Four Access ISA (Online) (2) @ 4.80% AER
Coventry Building Society launch Four Access ISA (Online) (2) @ 4.80% AER variable. - Online only - 4 withdrawals/transfers a year including internal transfers - Accepts current/previous year(s) ISA subscriptions - Charge equal to 50 days interest on withdrawal amount from the 5th withdrawal. - Limited issue
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Autumn statement - ISA rule changes from April 2024
Courtesy of Martin Lewis on X (Twitter)... "ISAs being tinkered with one key one - adult ISAs only openable by age 18+ from April (currently age 16+). Plus fractional shares allowed, partial transferred allowed and more. My team and I will be digging, it's all in the background #AutumnStatement docs" Plus, in one of the…
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Barclays 4% ISA. If you're not already a customer....I wouldn't bother !
Having read in Martin's blog that if you're not a Barclays customer and want to avail of their 4% one year ISA you have to apply in Branch, I duly presented myself at their Abington St Northampton Branch this morning. The lady I spoke to insisted that I had to create a profile on line and then come back to the Branch. I…
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Marcus cash ISA coming - 0.4%, no xfer in. *** now on general sale
Such generosity overwhelms me......
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2021-22 ISA limits
From today's Budget:
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2020-21 ISA limits
Adult ISA limit for 2020-21 remains £20,000. JISA limit for 2020-21 raised from £4,368 to £9,000 (source: https://www.gov.uk/government/publications/budget-2020-documents/budget-2020)
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Transfer into Tandem Instant Access Cash ISA
Saw that Tandem had an Instant Access Cash ISA currently paying 4% and decided to move my current Chip Instant Access Cash ISA which was paying 3.55%. This was over £40K being moved across. Did this within the Tandem app yesterday and couldn't believe it that the funds fully moved across this afternoon. Initially I thought…
