Cash ISAs: The Best Currently Available List

Frogletina

slinger2 said:

At the top of this thread (Cash ISAs: The Best Currently Available List) it says that the Zopa Smart ISA doesn't accept transfers in. That's not true any more I think. And it seems that, although you can't transfer directly into their Fixed Term ISAs, it's easy enough to transfer first into a Smart ISA and then move it across to a fixed rate ISA afterwards.

I requested a partial transfer from an easy access isa with Virgin to a Smart Isa with Zopa. I requested it last Thursday, confirmation on Friday from Zopa that they were dealing with it and on Monday it was in my Smart Isa. I was very impressed.

slinger2

Same here. I've done a couple of partial transfers into it and both have been pretty quick as these things go

intalex

intalex said:

Anyone with a Barclays ISA know how to view how much of the £20k annual ISA allowance for the current tax year has already been used up with contributions, and so how much is left?

Anyone with the magical answer? Or is there no other option but to reach a human staff for this info?

t0rt0ise

intalex said:

intalex said:

Anyone with a Barclays ISA know how to view how much of the £20k annual ISA allowance for the current tax year has already been used up with contributions, and so how much is left?

Anyone with the magical answer? Or is there no other option but to reach a human staff for this info?

Can't you look at a transaction list and add it up?

andyhicks88

If an ISA adds interest back into the account does that interest get counted as part of the 20k?  So actually you couldn't put your full 20K in there because you have to take into account what the interest would mount up to as well?

t0rt0ise

andyhicks88 said:

If an ISA adds interest back into the account does that interest get counted as part of the 20k?  So actually you couldn't put your full 20K in there because you have to take into account what the interest would mount up to as well?

No. Interest doesn't count.

flaneurs_lobster

t0rt0ise said:

intalex said:

intalex said:

Anyone with a Barclays ISA know how to view how much of the £20k annual ISA allowance for the current tax year has already been used up with contributions, and so how much is left?

Anyone with the magical answer? Or is there no other option but to reach a human staff for this info?

Can't you look at a transaction list and add it up?

It's what I do, spreadsheet with each year's contributions helps too.

Ocelot

Aldermore 3 year ISA down from 4.5% to 4.4% now.

Nick_C

I need access to about £3k at the end of April.  If I withdraw this from my flexible cash ISA (Principality) and return it in July, will that £3k deposit in July be part of my £20k allowance for 2024/25?

Edit:  found the answer at Which? but will leave my post in case it helps others.

"The Isa only has cash from previous tax years

You can withdraw money from this account, and - as long as you put it back before the end of the current tax year, and replace exactly the same amount - it won't go towards your current tax year Isa allowance.

So, for instance - you paid £20,000 into a cash Isa two years ago, and you take out £3,000. You can replace the £3,000 (and no more), as well as using up your full £20,000 allowance from the current tax year, meaning you can pay in £23,000."

https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/cash-isa-rules-and-allowances-aR5dQ5B0vmpi

surreysaver

Nick_C said:

I need access to about £3k at the end of April.  If I withdraw this from my flexible cash ISA (Principality) and return it in July, will that £3k deposit in July be part of my £20k allowance for 2024/25?

No. It won't.