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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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Zopa mistake
I thought I'd let you forum people know, in case you didn't already, that Zopa have made a mistake and they have informed HMRC of people's ISA interest as though it was taxable interest.They have informed HMRC that they have made this error and HMRC have confirmed to them that they will correct the error on people tax…
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Transfer out Trading 212 cash ISA
Hi, I'd like to transfer out my T212 cash ISA and had two questions. 1) Does anyone know which cash ISA providers can do the transfer digitally, ie where I wouldn't be required to download a paper form and request it by post? 2) I recently tried it with Charter Savings bank but they insist on a sort code which T212 don't…
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Moving £45k into a Stocks & Shares LISA - How Would You Invest It?
Hi! I had originally planned to use my cash Lifetime ISA for a property deposit, but it's now likely I’ll be inheriting a home and no longer eligible to use it for a property. So I’m transferring my LISA, a pot of around £45,000, to an AJ Bell Stocks & Shares LISA and will now invest it until I turn 60, in 20 years. I’m…
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Stocks and Shares ISA
I have no idea where to start with this. Although I am reading through the guides now, I have no idea where to invest my money. This money amounts to £1000 a year, of which gets paid in monthly. Can I pay this direct into the ISA account or does it have to get paid to the intermediary account and I have to manually put it…
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Flexible ISA question
Question about ISA flexibility: I understand how flexible ISAs work but I'm unsure about what happens when you do transfers to and from flexible ISAs. I opened a Monument Flexible ISA this year with contributions from this tax year. I then did an ISA transfer from Monument to a Kent Reliance ISA which is Non-Flexible when…
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Flexible, non flexible Isa rules
Hi as its possible to take funds from a non flexible Isa which was previously a flexible Isa with a different provider, is there downsides to going this route as I currently am wanting to transfer from a low paying flexible Isa to a non flexible however even though AI says its possible to just transfer back a year or…
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Trading 212 - How do I get the free shares?
Can someone walk me through how I get the free shares? I have never had an account before. Opened one, and have added £100+ in a S&S ISA. I've chosen my "pie" and from what I understand, on Monday, Trading 212 will buy shares in my chosen pie and I'll be away. How do I see the free shares and decide where I want to invest…
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Is Multiple ISAs the Best Way Forward?
Never had an ISA before as I didn't have enough cash to reach the tax threshhold. Now I have. I have six savings "pots" attached to Chase for various things. Each one saves around £1000 a year. I don't really want to change how I bank but it seems those pots, together with my current account interest will start tipping me…
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Cash ISA Transfer
I
follow the mse advice and when there is a better cash isa rate I transfer it. However,
twice this year the money has been released from the old cash isa on the
Friday and then it is credited to the new cash isa on the Monday. I
lost two days interest on both occasions. On over £300,000 this is a lot of
money (£38 per…
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Trading 212 - what do we think?
Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…
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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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Setting up a SS ISA on a Trading Platform
Can anyone suggest a trading platform that does not require a SMART phone to register an account? I just want to invest modest amounts each month into a SS ISA without being stung each time I pay in... Any suggestions please?
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Multiple stocks and share isa
It is my understanding that since April 2024 ‘the rules’ allow me to have multiple stocks and shares isa. I would like to start with a lump sum then add regular monthly savings to a managed account but I have had some difficulty finding a reputable platform that will allow me two or more separate funds. I would like to…
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Transferring Cash LISA to S&S LISA? Or S&S ISA?
I wonder if anyone has any advice on this as I am struggling to find the answers. I am age 48 and took out a cash LISA when I was 39. As a home-owner this was for retirement. I've been maxing it out and now am now down to my last 18 months of being able to contribute. I am currently getting a rate of just over 3% interest.…
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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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Why is there a 10 digit account number on the Transfer Request Form?
Cash ISA transfer from T212 to RBOS - just been sent the transfer request form to review and sign. The receiving RBOS account has a 10 digit account number that I don't recognise. Anyone know why? I have contacted T212 and RBOS to ask why my 8 digit RBOS account number is not on the form and await their replies...
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transfer from isa to isa ...but done mannually via current account
hi all after The programme this week I opened a new ISA with Atom, with the view to transfer my existing ISA ( both cash ones) across, but Atom don't allow ISA to ISA transfer only transfer via current account. How does moving my existing ISA into my existing Current account and then into my new ISA impact me ? anyone else…
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Flexible ISA Question
I have an instant access flexible ISA with Virgin Money. My balance at close of play on 5/4/2025 was £10,600. Between 6/4/25 and 29/5/25, I withdrew a net £1,100 and the opening balance on 30/6/2025 was £9,500. Between 6/4/25 and 29/6/25 my balance never exceeded £10,600. On 30/6/2025 I transferred £5,000 to a flexible ISA…
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Withdrawing from flexible ISAs and annual allowance
Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap? I have a flexible Zopa ISA, funded this tax year. I also have a Plum ISA (non-flexible). At the start of the tax year I put £5k in Zopa, and have also funded £15k to the Plum ISA (so total £20k,…
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Transfer Out Plum ISA
Has anybody successfully transferred out a Cash ISA from Plum? I initially opened an ISA with Cynergy Bank but as part of the account opening, Plum (Plum Fintech Ltd (Saveable Limited - FCA: 739214)), wasn't listed. I contacted Cynergy once the account was open, only to be told they only accept transfers from institutions…
