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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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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 2026/27 tax year. **As with any financial product, before opening an…
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Chip Smart Cash ISA - Beware this condition...
Just a heads-up for those thinking of opening a Chip Smart Cash ISA. It has much going for it for the first year as a new customer, good rate for 12 months after opening (variable but tied to BOE rate) it's flexible so cash can be withdrawn and replaced (in the same tax year), albeit withdrawals are not same day they take…
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HSBC ISA transfer unacceptable service
I transferred my ISA to HSBC 9 weeks ago. The money has left my previous account but has never arrived in my HSBC ISA. Despite multiple emails, phone calls and a formal complaint letter, I have had no proper response. The only explanation I receive is that they are “too busy” dealing with ISA transfer requests and have no…
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Trading212 to Moneybox Cash ISA transfer: success story
This is just a brief report on my happy experience transferring a Cash ISA from Trading212 to Moneybox. Since 2024 there have been lots of reports that transfers out of T212 have been a little slow and painful, and not always supported (it was unclear how much this was to do with the receiving institution also). It was a…
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2026/2027 trading 212 cash isa question
I’m trying to decide whether to stay with Trading 212 Cash ISA for the 2026/27 tax year or switch to Plum for the higher interest rate and new customer bonus. A bit of context: • First time using a Cash ISA last tax year • Opened and paid into a Trading 212 Cash ISA • Got the first-time/new customer bonus there which was…
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ISA transfer funds missing. Trading 212 to Santander
Hi all, Requested a cash ISA transfer on 17th April from 212 to Santander. Went into Santander branch as I had to use the paper form and wasn't sure of sort code. Eventually on 30th April, funds left my 212 account and I have been waiting ever since for them to appear in my Santander fixed ISA. Communication with Santander…
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Hargreaves Lansdown HL - Cash ISA Transfer out
Just an FYI to anybody thinking of using HL's Active Savings. It took 37 days from my initial online ISA transfer request for the money to arrive at the other bank. Clearly there were 2 banks involved but from talking to both it was HL who were always slow in responding. Secondly, they have paid the last partial monthly…
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Trading 212 ISA - cash withdrawal speed, weekends?
Good Morning Even though withdrawals say they can take 2-3* working days, whenever I've requested one, the money has arrived in my nominated account almost instantly. These have, however, been on a weekday. Anyone have experience of requesting a cash withdrawal on a weekend? Is it also instant? *Can't remember exactly what…
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Santander Fixed ISA eVoucher offer
It looks like there are a few here who are familiar with the current deal. I have a hypothetical question about it. I know Santander run these kinds of offers regularly. Does anyone know roughly how long they run before they're pulled? Perhaps all of April for example, to entice a large ISA instake? Or perhaps just a…
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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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ISA transfer from cash ISA (prior year contributions) to Lifetime ISA
Just wondered whether one is allowed to re-purpose prior year easy access cash ISA funds into a Lifetime ISA (max £4k) in the current year, whilst still retaining the full £20k current year allowance to contribute into a different cash / S&S ISA? I specifically want to dump the full £20k allowance into a multi-year fix…
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Flexi ISA for a 16 year old
Which banks can a 16 year old open a flexi cash ISA? He has a Virgin Money Cybersave account which offers very little interest and I would like him to open an ISA to start saving in that instead.
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Hargreaves Lansdown HL Junior Stocks & Shares ISA
Hi, I've put funds in to the above and now want to invest in ETFs for my children (1 year old and 3 years old) . My criteria is: Low fee Accumulation funds so that any returns are re-invested focus on how the fund has performed over 5 years Good georgraphic spread (not all US as many fudns are) Idealy a UK fund manager…
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Santander ISA matured
My santander isa matured at the start of May. I opened a new isa online and transferred the money. They tell me that I should have 'filled out a form' with them and as I didn't, it's classed as new money. I asked for the transfer to be reversed but they they this isn't possible. Is it new money and if it is, can the…
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ISA transfer
Help please My 18 year old had a stocks and shares ISA He wanted to take some of it out to have easier access to some of it. He called them without me with him and the outcome was he was advised he HAD to take it all out. They have sent him a cheque for the total amount. I think he was advised wrongly or he didn’t…
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Which cash ISA providers allow you to spread new money across different providers?
I have a flexible cash ISA with Coventry at the moment but they won't allow this years subscription to be spread across different providers. I want to put some cash into my S&S ISA with trading 212. What's the best way of doing this please? I could do a transfer from old money, but it would be so much easier to just…
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ISA 2026/27
May sound a bit dim but I've opened an ISA in June 2026 (£20k), will I get the same interest rate until June 2027 or will the new £12k allowance in April 2027 make any difference?
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HSBC FR ISA Cashback
Have any of you guys opened the above in a way that has enabled you to claim the cashback. The T&C state that it has to be new money and cannot be money transferred from a HSBC current account or savings produce or First Direct too. I have both those bank accounts and no other. To try and get in on this offer I tried to…
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HSBC cashback offer
Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…
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Kent Reliance Changes - should I open new ISA
I have had a KR Fixed rate ISA for few years and have always regularly deposited into it every month or so. I believe I will no longer be able to do this so will just have to leave it as it is until it matures next year. Are there other ISAs that allow regular deposits? Or should I look at a normal savings account instead?…
