Top Cash ISAs Discussion Area

10_66

Link below contains a list of flexible ISA providers. They may not all offer transfers in though:


http://www.moneysavingexpert.com/savings/flexible-ISAs?_ga=1.112725255.208231019.1460382144

colsten

10_66 wrote: »

Link below contains a list of flexible ISA providers. They may not all offer transfers in though:


http://www.moneysavingexpert.com/savings/flexible-ISAs?_ga=1.112725255.208231019.1460382144

And not all their ISAs are necessarily flexible ISAs.

For example, Nationwide offers the FlexClusive ISA and an HTB ISA. So they are on the list of providers of flexible ISAs. The FlexClusive is flexible, the HTB ISA is not. HTB ISAs aren't flexible as the maximum monthly deposit limit remains regardless.

Also, the MSE list might not be complete / current.

You always have to check the T&Cs of your ISA.

adindas

I remember reading somewhere that now we could now put current ISA saving to higher interest saving. As long as we put it back at the same tax year, it will not loose its ISA wrapper status.

Is it true ??

Is there any websites links elaborate about this case ??
Thanks

eskbanker

adindas wrote: »

I remember reading somewhere that now we could now put current ISA saving to higher interest saving. As long as we put it back at the same tax year, it will not loose its ISA wrapper status.

Is it true ??

Is there any websites links elaborate about this case ??
Thanks

Like the one from two posts ago perhaps?

sammybee

isa help

Myself and partner (NOT MARRIED) have an isa each, if one of us die does the other get the isa cash, ??? we both have a will stating the other inherits everything

Consumerist

sammybee wrote: »

isa help

Myself and partner (NOT MARRIED) have an isa each, if one of us die does the other get the isa cash, ??? we both have a will stating the other inherits everything

My understanding is that if one of you dies in these circumstances, the ISA funds will be inherited by the other but they will not be within the ISA wrapper from the date of the death. i.e. interest earned from the date of the death will be taxed.

If you were married, the surviving spouse could have their ISA allowance increased for a single year to accommodate the inherited ISA funds - in effect, retaining the tax-free status for the inherited funds.

Archi_Bald

Consumerist wrote: »

If you were married, the surviving spouse could have their ISA allowance increased for a single year to accommodate the inherited ISA funds - in effect, retaining the tax-free status for the inherited funds.

Married or in civil partnership