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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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Virgin ISA maturing
I have a Virgin ISA maturing in a week or so-two year fix-paying £22000 approx. One of the Maturity Options offered is a one year fixed ISA. I already have a one year fixed ISA for the maximum £20000 with Virgin opened this tax year. Would taking up the offer of the one year fixed ISA Maturity Option-transferring £20000…
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Has Tembo lost my LISA funds? Being ignored by them!
To keep it brief: about four weeks ago, I initiated a transfer of my LISA funds from Moneybox to Tembo in order to take advantage of a better interest rate. For the past week and a half, my Moneybox balance has shown £0. Their customer service team has confirmed that the transfer was completed successfully on their end.…
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Wealthify down?
Good morning all, Tried logging into the app, it shows an error message akin to "we can't log you in, your connection isn't secure. Please retry." Retrying does nothing. Tried to log in via the website Wealthify.com, website doesn't load and seems offline. Anyone know what's going on? My recent experience with them has…
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Cash ISAs
I currently have a very old Cash ISA to the value of £20,000 and the interest rate is pretty poor. I also have another fixed term ISA that is coming close to full term and would like to know if I can transfer the money from both into to a new Cash ISA and add more money to it. Any advise would be welcome
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Part transfer 2 ISAs to a new ISA
Hi - I have 2 ISAs that mature this November. The additional interest will take them over £85k so I thought I'd move money from them both to get below the FSCS limit. I was wondering if you are able to open a new ISA by transferring in from 2 different ISAs or do I have to open 2 different ISAs and then transfer to each…
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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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Bed and ISA - loss in trading account carried forward to use against future gain?
Hello everyone, As part of Bed and ISA strategy, I am going to sell shares worth of £15,000 in trading account and then buy back in ISA account. But it will create a loss of around £15,000 in the trading account. Yes, the shares lost around 50% of its value. My question is, if I have no capital gain during current…
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HSBC New money v Old money
An old relative opened an HSBC ISA up using new 25/26 money last week, not realising they had their 24/25 HSBC ISA maturing a few days on - which has now matured into a lowly 2% ish rate easy account money. I said maybe go back and get them to find a way to combine the 2 into one as it'll be in the cooling off period.…
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Looking for an ISA fix with a good rate where you can deposit monthly
Struggling with this, wasted hours. I know about Shawbrook as I have one about to mature but the new rate is only 4.02% There is another one, can't remember the name but not suitable coz they won't let you have current year isa's with other banks as well and I have a few this year. Any suggestions? Need to decide quickly.…
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nonsavvy isa owner
I have a Fidelity ISA with less that £10000 that I want to close.How do I get my balance transferd into my nominated Bank account quickly and cheaply? Thank you for reading .
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Plum App account registration error
Has everyone experience trying to register for a Plum account only to find at the final stage of entering the address details etc the Continue option button is not activated. Is there a solution available?
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Trading 212 - now showing "replaceable funds" separately
I complained to Trading 212 a while back that the way they display your remaining ISA allowance is misleading. Credit where credit's due - they have now separated out your "replaceable funds", i.e. previous years' funds that you have withdrawn, and this is shown separately from your used/remaining ISA allowance for the…
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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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Plum app cash ISA
I might be showing my age but I just opened a cash ISA on the Plum app. The app shows the cash in my account, but I have no account number or any other personal details. It feels a bit odd not to have something tangible to connect myself to the money. Is that just how it is nowadays? Please tell me I've nothing to worry…
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MSE News: Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'
MoneySavingExpert.com founder Martin Lewis has made a suggestion on how to get young people investing WITHOUT cutting the £20,000 tax-free cash ISA limit... Read the full story: 'Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'' If you haven’t already, join the forum to reply.
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ISA and SiPP - pros and cons?
I have a question- more of a sense check really for me. Myself and my partner have a 70k lump sum that we are looking to invest and are looking for the most efficient way to do it . I have a workplace pension being paid and a job which combined keep me just out of higher rate tax. My partner has a work place pension that…
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Opening new stocks and share ISA as POA is proving impossible and is a disgrace
My father has dementia and I have POA and have been managing his accounts since 2020. Managing EXISTING accounts is fine, but I'm finding it impossible to open a new ISA. Background: My dad is now in a care home, paying £1700 per week. He has around £500k which is enough for about 5 years. He has accounts at Lloyds which…
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Transfer out from moneybox - Closing balance does not include July interest
Just generated a statement now transfer out is complete (48 hours after requesting) but it only shows interest up to July 1st in the closing balance. I can't see how much they have sent to Close Brothers yet but will it include any interest due for July or do they pay this another way? Thanks
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Mature ISA transfers loss of interest
When I have transferred several ISA between different banks having given them more than 15 days notice prior to the maturity date the bank closing the account has transferred the money to a low interest account and then several days later transferred the money to the new ISA. This has resulted in loss of interest…
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Junior ISA
I know as a grandparent I can’t open a JISA for my grandchildren but I can put money in once it has been opened, the question is… If my daughter receives Universal Credit will my putting money in to her son’s JISA impact her UC payments? Thank you.
