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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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New ISA
Hi, I currently have a maxed out ISA for 2025/2026. Could I withdraw the funds and start a new ISA for this year and pay it in and then it's still classed as having one ISA this tax year? Or can you not do that? Thanks
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Time taken to transfer
Why does it take up to two weeks to transfer Cash ISAs from one provider to another. So far it has taken several days for Flagstone to even provide Trading 212 with the relevant details. I reckon chasing after another 1% is going to take up to two weeks.
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Cash ISA close withdraw then setup new ISA to get boosted rate
So I have my first Cash ISA with CHIP that I took out last year. I am currently getting 4.48% boosted rate which expires on 31st May this year on the full allowance. I don't think I can afford to put any new money into a cash ISA next year. I have opened a trading 212 cash isa with the minimum deposit amount of £1 as it…
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Paying HL ISA fees
I periodically top up my HL account with a few £ to cover the fees on my stocks & shares ISA, the money sits separately from the ISA and fees are paid from this. However I’ve noticed that any amount I top up with comes off that years ISA allowance. Is there a way to fund the fees without it affecting my allowance please?
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Santander e-voucher offer
Hi Just been emailed this as part of Santander boosts but I think it's their usual offer. I'm not sure whether to bother to be honest. If I new it would a short wait for the voucher I might be tempted. Cheers
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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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LISA addition before end of tax year
Hello all, I'm looking for some opinions about maximising the benefit of my lifetime ISA before the end of the current tax year. I have a good amount of money in a normal savings account at the moment, around 5 months worth of income, and I also have around £2000 in my LISA. I'm wanting to put some more money into the LISA…
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Newbie to ISA, maturity question
My dad has an ISA with Lloyds which is about to mature (2nd April i think). I know it will transfer into a basic isa after the maturity date. I'm hoping to transfer it all into another fixed rate ISA. If I let it roll into the new lower rate Lloyds account can I transfer out of any time? Also if I find a new after 6th…
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Transferring isas
I opened a trade212 stocks/shares last year fully funded £20k, in the new financial year i would l intend to add another £20k after april 6. But from a couple of years ago i have a fully funded cash isa with oaknorth, can i transfer this into the Trade212 stocks/shares isa?
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Trading 212 cash ISA 10 day limit
Just a warning for anyone opening a cash ISA with Trading 212. If you don’t deposit any funds within 10 days of opening the account then you lose the promotional rate. I didn’t spot that anywhere obvious (I may have missed it) but it’s in their terms and conditions…to which they will point you when you query it. They…
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Cynergy ISA maturing soon. Best option for delay free transfer out?
Maturing ISAs with Cynergy are automatically re-invested in another fixed rate ISA if I do not contact them with instructions. Cynergy’s online options are - 1. Renew into a 1 Year ISA. 2. Renew into a 2 Year ISA. 3. Transfer and close. They have also sent a letter which describes the options as 1. Renew to a choice of…
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How long for funds transferred to be received in an ISA
I recently arranged a transfer of a Trading 212 Cash ISA to a Hargreaves Lansdown Stocks and Shares ISA. Trading sent me an email last Friday (13th March) at 09:53 to say the transfer was complete. Checking the Trading ISA showed that the balance was nil. Same for the HL one. However, I've just checked again now and the…
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Lack of ISA knowledge - help
Hello all, I bank with Santander and have two cash ISA’s with them that are out of the fixed period so are currently at 1%. The balances are £21,243 and £48,472. I plan to invest my £20k limited before the end of this FY but was wondering what the best option are. I would like to keep it all with Santander but don’t know…
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Transfer recently from Shawbrook to Virgin Money
We often see observations from folks about "How long does it take to transfer" and also other poor reports……so here's a personal anecodote….. Opened up a VM 1 yr Fixed ISA on Friday (PM), put the transfer info for my Shawbrook 1 yr which matured on the Sunday. Message on Monday from Shawbrook "We have received your request…
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Lifetime ISA and house in trust
I have inherited 50% of parents house when my mum died which is held in a discretionary trust. My dad is entitled to live in the house until he dies. Can I still use my Lifetime ISA to purchase my first home, even though I have 50% share of parents home in a discretionary trust.
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What happened to the planned changes to cash isa limits etc
couldn’t find the original thread …. Whats the latest?
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Moneybox - FSCS Protection?
I thought I read Moneybox was FSCS protected, but on the FSCS website, it says they are not? This is a bit worrying given MSE recommends them as the top interest for transfers…?
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Coventry 1 Yr fixed cash ISA
Looking at this as I have a couple of maturing fixed ISAs and want to invest my 26/27 allowance to consolidate into one account. However concerned that the application process only gives the opportunity to request one transfer in. Can anyone confirm that I will be able to transfer in a second account once the ISA is open?…
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Is money transferred from a Help to Buy ISA to Lifetime ISA considered part of the annual ISA limit?
Within this current tax year, I want to transfer from a Help to Buy ISA to an existing LISA. I have made no contributions to either the Help to Buy or the LISA in this tax year; however, I have contributed £20,000 into a separate cash ISA. I am being told by the building society that I have my LISA with, that I can't do…
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Transferring an ISA from HL
Thinking of moving an ISA from HL to Ii where I already have ,what used to be, a single company SHARE ISA. This ISA is now going to cost me £14.99 pm The HL ISA contains shares and funds ,some of the funds are HL's own. Am I right in assuming that these will have to be sold and then cash transferred ? If so, I'll have to…
