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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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S&S ISA Transfer Timescales
Hi, just looking for information. On Aug 6th I opened a new ISA and requested a transfer of my Wealthify S&S ISA. After a couple of weeks I contacted new provider who confirmed they had sent the transfer request to Wealthify on Aug 6th. I contacted again last week and was subsequently told they had been in touch with…
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(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
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Tembo to Paragon transfer issue
Tembo let me know that funds had been send to Paragon last week, kept checking, but did not appear in my account. Checked with Paragon by secure message on Friday and now told; I can confirm that we received confirmation of transfer from Tembo stating they sent us the funds on 9th September. However, we have not received…
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Cash ISA transfer confusion
Morning, I opened a Cash ISA account with Chip on 18th September 2024. My boosted rate is about to expire so I'm looking at transferring. Currently the app reads ISA allowance: £0 / £20,000. Will this reset on 18th September 2025? I was considering transferring to Cynergy Bank as they offer the highest rate but they don't…
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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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Problem with ISA transfer
Completed a cash ISA transfer form, was accepted and new account opened. Have been waiting since 16th July for the funds to move across (from HSBC to Kent Reliance). Phoned KR and they said waiting on HSBC. Phoned HSBC and they deny all knowledge of having received any communications from KR, despite me giving them the…
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Trading 212 Cash ISA - Impossible to transfer ISA out!
A WORD OF WARNING! T212 makes it easy to accept a transfer in. But Transfers out are almost impossible. Every ISA provider demands an account number, sort code and (optionally) a reference number to accept an ISA transfer in. T212 doesn't give you a sort code or proper account number. Their 'account number' is just…
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Natwest ISA
Hi Had a Natwest fixed rate isa which matured on 4th September. Issued instructions to new provider on 28th August to open a new isa and set up transfer from Natwest on Maturity. All parties acknowledged requests. On 5th Sept Natwest informed me that they had moved funds to an easy access isa. Waited for transfer to take…
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All world, stock market tracker growrh rates
All, I'm curious to know what growth rates folks have plugged into their massive pension spreadsheets for general, all world, stock market trackers? Obviously no-one can predict the future but I have in 4% above inflation. All of mine are currently flying at the moment so 4% is on the pessimistic side, but interested to…
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How to transfer out of Trading212 cash isa?
I'm at my wits end with Trading212, desperately trying to find a way to transfer my cash isa with them to another provider but seems most banks don't want to touch it. Have spoken with Coventry, Cynergy, Kent reliance, Monument and none will let me transfer in the cash isa from trading212. I asked trading212 if they have a…
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Maturing cash ISA over £85,000
I have a 1yr fixed rate cash ISA maturing in 3 weeks with Shawbrook. With interest it will have risen a couple of thousand above the £85,000 threshold. I hoped to reinvest some in an ISA in the same bank and transfer the remainder to a new provider to get it under the fscs limit but Shawbrook says I can reinvest or…
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Transferring out of Chip Cash ISa
I am transferring out my Chip Flexible Cash ISA to another provider due to my forthcoming reduction in interest rate. What should I put in the ISA transfer form for the question - Existing ISA Reference?
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Cash ISA Renewal
My cash ISA is up for renewal after 18 months. I am advised by the bank the ISA will be renewed at a rate of 1.1% which I consider to be extremely low in the current financial climate. Not sure if there are many finance houses who are accepting transfers in at reasonable rates I already have maxed current year ISA…
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Restrictions on transfers
Reading other posts there seems to be some organisations that either won't allow transfers in or some that won't allow transfers out. Transfers in to Trading 212 or Cynergy come to mind. Is there a lost anywhere ? I am looking to transfer part of a Virgin S&S
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ISA transfer out from Plum and Trading 212
I want to transfer out my cash ISAs with Plum and Trading 212 but am having difficulty finding a provider who is able to accept a transfer in from these companies. Anyone been in a similar situation and found a suitable provider?
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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Cynergy - Cash ISA Transfer in previous year plus current year?
So, it looks like rates are awful right now compared to where they were only few months back. Looking to transfer to Cynergy but their process looks complex. I want to: * Transfer my entire ISA portfolio including previous tax years * Transfer what i've put in this year Also, it says interest is paid annually and as this…
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Can interest from a LISA be used for your 1st time buyers first property?
My daughter has just been told by a solicitor that the 4 x £1000 that has been added to her 4 year LISA cannot be used for her 1st time buyer deposit and only the 4x£4000 she has added can be used. I cannot see this anywhere on your pages, could someone clarify for me please?
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MSE News: Government fails to act on Lifetime ISA fines
The Government has failed to commit to urgently addressing "serious holes" in Lifetime ISAs (LISAs). It follows calls from cross-party MPs for reform, as well as long-standing campaigning from MoneySavingExpert.com (MSE) founder Martin Lewis to scrap the scheme's fine on first-time buyers purchasing homes above the LISA's…
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Paying interest into a different account
Sorry if this should be obvious! Having recently retired (yay!), I want to use the interest that my savings will generate to supplement my monthly income, rather than leaving them to accrue in the savings account. I'm looking at fixed rate ISAs which don't allow withdrawals (I will keep some rainy day money elsewhere).…
