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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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Drawing from which tax year?
If I have £20k in an ISA 2025-2026, and I add £20k to it in 2026-2027, then draw out £10k, which tax year am I drawing out from? With Moneybox and tempted to transfer another £20k next week, but is there a way to tell which year you draw from? Thanks
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Cash ISA transfer - Charter to Vanquis
Has anyone experienced a Cash ISA transfer from Charter Savings Bank to Vanquis Bank? How long did the transfer take?
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Does anyone have any experience with Prosper for a Cash ISA?
Their new rate seems to be very good: https://www.moneysavingexpert.com/savings/best-cash-isa/#topeasy No transfers in, rate drops after 1yr Prosper - for new customers only , 4.7% - 2.78% variable + 1yr 1.92% 'Prosper boost' - No transfers in - Min. £10,000, Max. £20k a yr- Open via app- Interest paid: monthly (bonus paid…
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Cash ISA help - transferring money from Halifax ISA to BOS ISA
In April 2025 my husband opened a new fixed cash ISA with Bank of Scotland as it had a good rate (I think it was either 4.5% or 5./5%) and the plan was to put £18k in there. The reason we wanted another cash ISA was a) as the money needed to be kept separate b) to benefit from the good interest rate. By mistake though he…
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Plum ISA
Can someone explain this to me please? The 2.54% base rate is paid monthly and your are protected by the UK’s FSCS safety scheme, as Plum holds your savings with Lloyds Bank, Citibank, QNB and BBVA. For more on this see Are my savings safe? The 2.03% bonus is calculated daily but only paid after one year. It’s not FSCS…
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New to Vanquis ?
Are Vanquis somewhat OTT when it comes to ‘New’ customers? Yesterday, I was helping my OH arrange a transfer from a maturing Moneybox ISA to the Vanquis current 1 year fix. The online application seemed straightforward enough, but moments after completion an Email arrived asking for documents relating to ‘Proof of identity…
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Can one bag two different Trading212 offers?
Is it possible to take advantage of the MSE promotional rate for a Trading212 flexible cash ISA and also open a Trading212 Stocks & Shares ISA to claim the "free" £50 shares offer, or does one preclude the other (is each a "newbie" offer?)? Thanks, Isaiah
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What would you do with your £20k
I have £20k to invest on Monday when the new ISA tax year begins. I’m unsure whether to put it in my existing Shawbrook 5.22% 5yr cash ISA (this will be year 4) with a guaranteed return in 2028 when it matures, or open a stocks & shares ISA taking advantage of the current market whilst it’s down. I don’t have any real…
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If a company goes bust?
Hi, so for example, I pay in £20k for the 2025-2026 tax year with Plum. Plum goes bust next month and I make a claim for that £20k and get it back. Have I lost my 2025-2026 ISA allowance? Thanks
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Cash ISA tactics for the new tax year ?
With talk of interest rate rises I'm just wondering what others are doing regarding their 2026-27 cash ISA deposits. I was thinking of depositing in a flexible ISA and, if there is a significant rate rise, I would transfer the cash to the higher rate account. Now , if there was a higher rate account that didn't allow…
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Current Cash ISA
I've probably left it too late for this year but have funds in a cash isa which I've just discovered is only 2.75% (I opened it a few years ago). Presumably it's too late to open a fixed cash isa with another provider for this year?
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Opening new Vanquis ISA
I want to open a new 1 year fixed rate ISA with Vanquis solely for the purpose of transferring a maturing ISA from another provider. I have also funded another ISA this year. The first question in the application is "Have you already opened an ISA in this tax year?". Truthfully answering "yes" to this brings up the…
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Childrens ISA - providers that can offer both cash and S&S ISAs?
Good Morning All, I'd like your thoughts on the following please. I'd like to open ISAs for our one year old and three year old. My wife and I have both used up our 2025/26 allowance so can't saveany more within these accounts for them but want them to have their ownaccounts anyway. There are currently three options as I…
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Trading 212
I currently have 27k in my Trading 212 easy access cash ISA at an interest rate of 3.6%. I'm sure there are some better deals out there but it still needs to be an instant/easy access account as I have just put my flat on the market so will need access to quite a chunk of it at some stage. Any advice greatly appreciated 😊
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The New ISA Rules from 2026
Hello all! I have a question about the new ISA rules coming into effect 2026/27. I understand we will be limited to saving just £12,000 per year. What happens if you already have £40,000 in your ISA (from years of saving) and need to keep transferring it to a new ISA at the end of every fixed ISA period? Will we be allowed…
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Open new cash isa and transfer matured cash isa into same
Have a Shawbrook cash isa maturing April. Looking at opening new cash isa of £20k with Castle Trust Bank @ 4.2% fixed 1 year. Can I also transfer Shawbrook into this to maximise interest?
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Moneybox to Prosper before April 6th?
Is there time to transfer my Moneybox ISA funds to my personal account and then fund a new Prosper ISA before April 6th? Meaning I can then add another £20k next week? Not sure it's worth the risk as things may not be instant with the bank holidays. Thanks
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Nationwide fixed rate isa matures on the 6th
I was given the option to reinvest to another fixed rate between 1 to 5 yrs. Got a bit stuck on the form when I have to put tax year 2026 -2027. Was told it is not a new subscription and should be able to contribute to a new ISA. Is that right? Thanks
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Hmrc self assessment point 6 & ISA interest?
Hi, Not sure of I have to do self assessment again this year, or for 2024-2025, or even if I have the correct year for when I need a self assessment for. BUT in any case, point 6 of the "do I need to self assess" questionaire mentions additional income. If I am using my normal savings and easy access cash ISA interest to…
