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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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Changes to ISAs
Hi. I have £40k in an ISA and the interest rate has dropped recently, so I would like to move it. I believe there are changes coming in April as to how much you can add to an ISA (depending on age), is that correct? I was wondering if I moved £20k now to a better rate account, and then another £20k before the deadline,…
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ISA top up - tax implications
Hi everyone, I have a flexible cash ISA which had around £70K in it early last year but now has more like £20K following some large expenditures. As it is a flexible ISA, I can replace the £50K before the 6th April. I will lose it after that if I haven't replaced the money. My partner (we are not married), has 50K spare.…
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Transfer ISA from T212 to Plum
Hi, my T212 rate is to end next month and I want a good rate for my current ISA and another £20k from April. Am I right in saying I can transfer from T212 to Plum now, and then in April I can add another £20k to Plum on the same rate for the new tax year? Anyone had issues with a transfer this way? Thanks
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Are any providers offering 2026/2027 Cash ISAs yet?
That's it really. Are there any providers out there offering Cash ISA products now for the next financial year(incl interest rates) on the understanding that deposits are made soon after 5 April 2026?
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Moneybox Interest Rate After 12 Months
My 12 months with a Moneybox instant access isa ends in a few weeks and the bonus is removed, at which point I understand the rate drops to 3.something%. Am I right in thinking that Moneybox do not offer the bonus % to existing customers so that, when the 12 months is up, I will have to look to transfer out to get a higher…
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2nd ISA/End of Interest Offer
Hi, I have a T212 ISA that is maxed out and the interest offer comes to an end next month. I also have another £20k I want to put in a new ISA for the 2026-2027 tax year. With the existing ISA, I presume I have to wait until the new tax year to open a new account somewhere else and then transfer it? With the new £20k 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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Help understanding how ISA accounts transfer across financial years?
Sorry if this is a really silly question but I’ve read ISA rules on various sites and I’m still not clear on this. I have a cash ISA account for the current tax year 25/26 and I’ve had notification it will mature soon so I should consider transferring it. I have about £12000 in it and want to put a bit more into it before…
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Why can’t I withdraw the full stocks and shares ISA
Hi, I have over £6K in my Vanguard S&P500 account and was just curious on the process of withdrawing the amount but when I tried going through the process of withdrawing, it says I have £2,076 cash available to withdraw. Why can’t I withdraw the full amount if I wanted to? I could understand if there were potentially large…
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New ISA tax year - Easter Monday
I’ve just noticed that the new ISA tax year on April 6th, falls on Easter Monday - Bank Holiday. Does anyone know if this make will affect any transfers made to banks or building societies on that day? ie, will they not be accepted or applied until April 7th. Not a big deal I know, but if there’s no point transferring…
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This is Money podcast….
I was listening to this weeks “This is Money” podcast and I heard someone say that from April 2027, any money paid into a S&S ISA, won’t ever be transferable to a cash ISA. Have I heard right, is this correct?
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Looking for the best cash ISA that provides the full offered rate on transfers in
I currently have a Trading 212 easy access cash ISA which is giving me 3.6% and I've just seen that Moneybox are offering their cash ISA at 4.52%, which includes a 1.07% bonus rate for 12 months…but then I see that this bonus rate is not available on transfers ☹️ There are quite a few providers out there that are offering…
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Security Vs Cash ISAs UK
5 years ago I participated in a 3 year sharesave scheme at the company I work for. 2 years ago it hit maturity and we were given the opportunity to transfer up to around £2000 into a cash ISA tax free. I haven't touched the rest of the shares which were worth just under 18K at the time since then although when looking at…
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Cash ISA predictions 26/27
Does anyone know when info about cash ISA rates will be available please and where to find it please?
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Marcus Bank increases ISA bonus to 0.74%
Just received on email that there is a ISA new bonus rate of 0.74%, up from 0.49%. New rate 4.01%. You have to renew the bonus on the Marcus site to apply it. The general savings bonus remains unchanged.
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Aldemore Reward (for staying)
Hi, I have a 2 year fixed ISA maturing with Aldemore later this month (taken out at 4.55% in 2024). I have received an email from Aldemore stating this maturity, and if I log-in and check maturity instructions I will get a preferential deal/rate if I renew the ISA with them for a further term. Oh great I thought, may get a…
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How to fill in this form? (JP Morgan)
Hi, I want to transfer matured Sharesave shares out of JP Morgan Workplace solutions. They have the following online form to fill in. Are they asking for my name and address or the name/address of the bank/platform I want to transfer to? I contacted them a week ago via the online query form but still haven't received a…
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Problem opening an ISA
I am 92, I have never driven and don't have a licence. My passport has expired and am unable to travel anyway; so I haven't renewed it. How can I open an ISA?
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Transferring Child Trust Fund
Hi, I want to transfer my son’s child trust fund into a junior stocks and shares isa. I’ve been told by Fidelity I can’t do that and that none of the others will let me as it has to be like for like. They’ve said that I can hire a financial advisor to do it for me. Is that the only way? Thanks.
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Stocks and shares ISAs gains after paying IHT
Good evening forum members. We have successfully been granted probate between two executors and we have paid IHT tax already. The stocks and shares ISAs have gained in value are we liable for more tax on these gains e.g 20K gain. Thank You
