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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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Should I use Equiniti to sell shares?
I have a few low value stock holdings (EX Building Society
conversions to PLC status) on the Equiniti.com platform that I plan to sell off. Their fees appear very high. E.G. They are quoting a fee of £40
for one holding with a market value of £480. Is that reasonable?
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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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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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RBS / NatWest ISA
Has anyone else opened one of these Fixed rate ISAs recently and transferred in? I did a transfer request about 10 days ago online (via link in RBS app) but haven’t received any acknowledgment from RBS or anything from the existing provider (Nationwide). It seems a bit odd as normally you do get transfers acknowledgment. I…
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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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Transfer multiple ISA pots out of Zopa
I've got 4 different ISA pots with Zopa. One is a new fixed pot which ends next year, the other 3 are instant access pots only earning 3.5%. I want to transfer these 3 pots to a new ISA account I have with Natwest. I could attempt to combine these 3 pots into 1, but it will leave some as yet unpaid interest in 2 pots if I…
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Not subscribing to an ISA - it gets cancelled?
For my father, he received the following letter from Nationwide. HM Rules state that if you don't subscribe to your ISA for a whole Tax year or more you're required to complete an ISA renewal before you can start making subscriptions again. We have not received a response to our letter therefore to ensure that the ISA…
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Best Junior Stocks and Shares ISA 2025?
I’m looking to open a Junior Investment ISA using funds from an existing Child Trust Fund (CTF). I’m relatively new to this area, but I want to make sure my child has the best possible start in life. My child will be turning 18 in around 4–5 years. I’m not a financial expert, so ideally, I’m looking for a simple, “set and…
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ISA and savings help please
Hi - I will soon get a lump sum from my public sector pension, partial retirement - around £75,000. I have never had such an amount of money in my life so could someone please guide me what to do with it please? I will use around £16k for house updates so that leaves £60,000. I am quite risk averse and would like to always…
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Confused about ISAs
Hi i am new to ISA savings and a little confused. My fixed rate ISA matured in august 2025 and I have recently transferred £20k to a new fixed rate ISA with a different provider ( using the transfer in process). Am I right in thinking that I can open a further ISA for this tax year and deposit another £20k with a different…
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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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Is it possible to have EUR Holdings & withdrawals in an ISA
I will have some ongoing € commitments and I would like to limit my currency exposure. Is it possible to hold EUR denominated income funds in an ISA, receive that income in EUR and then transfer EUR to a EUR account such as WISE/Revolut?
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ISA withdrawal vs transfer
HI, I'm new to this forum and also not very good with ISA rules. Please can you help? I have an existing easy access ISA with the NatWest which I haven't used for a few years (it just collects interest each year) and opened another recently with YBS in order to transfer some funds to keep the maximum in the NW ISA to below…
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Taxable savings and income
I have a question please? Assuming that i earn £12575 or less. If i accumulate £1800 in savings interest in addition to £1000 savings interest from an ISA will i pay tax?
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Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025
I notice that there's been a change to the Flexible ISA Regulation (5DDB) dated 15 July 2025. See: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made The main effect of this is to change paragraph (3). From April 2024 this said: "(3) Any replacement subscription may be made only to the account from which the…
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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Opening two Cash ISA's with one provider in a year
I had a two-year fixed rate cash ISA with Natwest which matured in July this year. At maturity it converted into a low rate easy access ISA. I then opened a new Natwest fixed rate cash ISA and transferred the full balance from the easy access ISA to it. I didn't add any cash (my 2025/6 ISA allowance is elsewhere). Very…
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ISA maturity uncertainty
Hello, I'm a little confused: I have an ISA (4.75%) which matured at the end of the day yesterday (6th Oct). Yesterday, I applied for this to move to a new provider 'at maturity' as I was advised by the current provider to wait until the date and do this (although I have since realised I didn't need to wait). However, the…
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Virgin Reject ISA Transfer
I requested Shawbrook Bank to transfer my Virgin ISA into their 4.31% 1yr fix. I heard back today from Shawbrook that the transfer has been refused. Contacted Virgin and the explanation given is that Shawbrook have sent the request to the wrong ISA Virgin team. Apparently it depends on what sort code is on your Virgin ISA.…
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Tesco Instant Access Cash ISA
On the application page for the Tesco Instant Access Cash ISA it states... "You can pay money into your account once your application is complete, but you won't be able to take money out until you send us certain information by post. We'll tell you what this involves once your account is open." Does anyone have experience…
