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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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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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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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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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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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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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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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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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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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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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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
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Cash ISA - stupid question perhaps
Trading 212 offer a good (promotional) rate on their cash ISA currently. My question is: If I pay in say £20,000 now, and then in the new financial year, pay in another £20,000, will the whole sum benefit from the 12 month promo? It's not 100% clear to me.
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Charter failed to transfer cash ISA in 45 days
Hi. I'm Having a problem transferring my ISA from plum to charter savings bank. I opened the charter account at the beginning of January and at the end of January contacted them to ask why the delay? After waiting five working days for an answer and they confirmed "we have sent a request letter to Plum on 13/01/2026 and on…
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ISA Transfer Disaster
I won't name the bank now, in case it affects my outcome. But will if it gets resolved. I'm just after some urgent advice for now. So I apply for an ISA with transfer in from another bank at the application stage. They send emails saying the transfer is happening and the money gets sent on a Monday morning by faster…
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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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Bed and ISA
I presently have a stock and shares ISA, and a general investment account with EQI. I have been informed that their fees will be increasing on 1st April. Are there any flexible ISA providers that will do bed and ISA. I just take my dividends from the ISA and then top up shares from the general account so do not really buy…
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First Direct Stocks &Shares ISA forced share sale after takeover
A UK share I held in my First Direct (FD) stocks & shares ISA was subject to a takeover by a USA company that floats on the NYSE. FD sent me two letters both advised I could sell prior the takeover date or if I took no action the shares in the new company would be added to my account plus additional monies from the…
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Move ISA to already contributed one
Is it ok to move a flexible ISA now from a separate bank to another flexible ISA that I have already contributed to the maximum amount for 2025/26?
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New ISA Manager and early transfer without penalty
HI I've just received an e-mail from Virgin Money with confirmation that my ISA Manager is officially changing to Nationwide from 2nd April. My fixed ISA doesn't mature until the end of June and I was wondering if I'd still be penalised interest if I transfer by the transfer deadline. Thanks Paul
