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Marcus saver? You can boost your rate to 3.3% with a few clicks – here's how
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Slinky said:KittenChops said:I have never received any emails from Marcus to tell me there's a new bonus rate available...
Perhaps you opted out of marketing emails when you set your account up? Or are they going to spam?0 -
dosh37 said:refluxer said:gesdt50 said:Martin goes on to say ""It's also worth noting the Marcus ISA does not allow transfers-in from existing ISAs. In addition, it's not a flexible ISA, meaning that if you withdraw money, it will still count towards your £20,000 ISA allowance if you later decide to redeposit it."Am not 100% sure however think what it means is that if one was to take out 2000 back down to £0 and then decide a few days later or so to redeposit that it would be classed as you having deposited £4000. Would this be correct, can someone smarter than myself give some clarity ?Thanks for any helpI always thought that if you make withdrawal from an ISA account you lose the ISA umbrella status for that amount.Have I got that wrong?Is the ISA status maintained as long as you re-deposit within the same tax year?1
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dosh37 said:refluxer said:gesdt50 said:Martin goes on to say ""It's also worth noting the Marcus ISA does not allow transfers-in from existing ISAs. In addition, it's not a flexible ISA, meaning that if you withdraw money, it will still count towards your £20,000 ISA allowance if you later decide to redeposit it."Am not 100% sure however think what it means is that if one was to take out 2000 back down to £0 and then decide a few days later or so to redeposit that it would be classed as you having deposited £4000. Would this be correct, can someone smarter than myself give some clarity ?Thanks for any helpI always thought that if you make withdrawal from an ISA account you lose the ISA umbrella status for that amount.Have I got that wrong?Is the ISA status maintained as long as you re-deposit within the same tax year?
If an easy access ISA isn't flexible (such as the Marcus easy access ISA), then every time you pay into it, it counts towards the £20k ISA allowance.2 -
wiseonesomeofthetime said:I got the email about the bonus rate increase after I got the email confirming my renewal of the bonus 🤷♂️1
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dosh37 said:refluxer said:gesdt50 said:Martin goes on to say ""It's also worth noting the Marcus ISA does not allow transfers-in from existing ISAs. In addition, it's not a flexible ISA, meaning that if you withdraw money, it will still count towards your £20,000 ISA allowance if you later decide to redeposit it."Am not 100% sure however think what it means is that if one was to take out 2000 back down to £0 and then decide a few days later or so to redeposit that it would be classed as you having deposited £4000. Would this be correct, can someone smarter than myself give some clarity ?Thanks for any helpI always thought that if you make withdrawal from an ISA account you lose the ISA umbrella status for that amount.Have I got that wrong?Is the ISA status maintained as long as you re-deposit within the same tax year?0
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I lost interest & gave up on Marcus a while back. I put my excess cash in Coventry at 3.35%, Cynergy 3.25, Santander 3.25, Yorkshire 3.60, Barclays 5.0% and some short fixed paying 3.5 -4.0%. I've left a small amount in Marcus just in case they do offer something really outstanding.1
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subjecttocontract said:I lost interest & gave up on Marcus a while back. I put my excess cash in Coventry at 3.35%, Cynergy 3.25, Santander 3.25, Yorkshire 3.60, Barclays 5.0% and some short fixed paying 3.5 -4.0%. I've left a small amount in Marcus just in case they do offer something really outstanding.1
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How long do these bonus rates stay on offer usually? My current bonus expires in June I'm wondering whether to take this one now or leave it until then.
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Ash_Pole said:How long do these bonus rates stay on offer usually? My current bonus expires in June I'm wondering whether to take this one now or leave it until then.
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Ash_Pole said:How long do these bonus rates stay on offer usually? My current bonus expires in June I'm wondering whether to take this one now or leave it until then.0
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