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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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Trading 212 - New Cash ISA
I am trying to open a new cash ISA with T212 ready to fund it with funds from the 6th April. I have started the opening process through the link but have now got to the point where it wants me to fund it so I have shut it down. When I was digging around it was just showing the rate of 3.6% but when I tried to add the promo…
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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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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Chip Financial Cash ISA transfer to Skipton
I called Skipton yesterday to transfer a Cash ISA from Chip Financial to Skipton for a better rate. I was told that the transfer could take up to 7 days to complete. Amazingly, this afternoon I was notified by Skipton that the transfer was complete and the ISA money plus interest due is now showing in my Skipton ISA…
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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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New Money & Transfers
Having looked at the newsletter, there are some really good new ISA's for new money… which I will look to do, but then what do I do with my existing ISA? I think MoneyBox rates will drop and the new ISA's with the good deals either won't accept transfers or if they do, they will be lower rate. Don't really want to keep…
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Maturing ISA
Hello I have a maturing Cash ISA which I’ve arranged to be paid into my bank as the transfer rates weren’t as good as a new ISA. If I pay this into another provider, a new Cash ISA before April 5th, is this still counted as my 2025-26 allowance or will this be my next tax years allowance? Thanks in advance.
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Zopa never again
I have a Zopa ISA maturing early April. I have initiated a transfer asking for it to be made on maturity. It has been rejected and on speaking to them I've been told I have to wait until the maturity to give the instruction or pay a breakage charge. I have never experienced this before I told the agent it was not normal…
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ISA - topping up before april for tax-free savings
Currently have 0 in my ISA if I top up my ISA to 20k before 5th April 2026, does this mean I get an additional tax free 20k allowance next year ie I can invest 40k in my ISA tax free starting from 6th April 2026 and all the interest on the 40k will be tax free for the financial year 2026-2027
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Transfer from Kent Reliance
I opened an Easy Access ISA this financial year with Kent Reliance and put £20,000 in it. Now I tried to transfer it to a new Aldermore Easy Access ISA and Kent are refusing the transfer saying that with the accrued interest it's too much to transfer. They say I'm only allowed to transfer £20,000. Does this make any sense?…
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Guidance required on inter year ISA tax allowances
Hi All. I need some guidance/knowledge on inter year ISA transfers please. I have never had enough savings that would put me over the £1000 tax free personal savings allowance. However this will change next year when i expect a decent amount that will change this. I propose to put roughly 15k into a flexible cash 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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Transfers query
if i open a new isa with say company B transfer t212 isa in the application, Lets say the money moves accross within a week , product has a 14 day cooling off window, company C now has a a better deal, Do you cancel with company B and isa funds returned to T212 or will you open new isa at company C putting in compants B…
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Moneybox Cash ISA rate for transfers in
Morning all I currently have a cash ISA with T212 which I've been happy with but the rate is now 3.6%, which is a little low compared to some others at the moment. I'm thinking of transferring to Moneybox as they're offering 4.26%, but I want to clarify that this rate applies to transfers in. On their website, it seems to…
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YBS four access eISA
Hi. I was on Youtube and saw and for YBS so I clicked on it and it led to a page about the Four Access eISA. Here is the link though I don't know what you will see as it originated from an ad:…
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Moneybox 4.26% Isa - Transfers In
Moneyfactscompare stating 'Bonus rate not applicable if transferring in' which is not reflected in MSE , and not obvious on Moneybox ISA page. Can anyone shed some light ?
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Withdrawing from flexible ISAs and annual allowance
Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap? I have a flexible Zopa ISA, funded this tax year. I also have a Plum ISA (non-flexible). At the start of the tax year I put £5k in Zopa, and have also funded £15k to the Plum ISA (so total £20k,…
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Best short term home for ISA funds ? it's a minefield
I have a fixed rate ISA ending in a week. With all the uncertainty in the world I'm loathe to enter into another fixed term at this moment so would prefer an easy access account until the dust settles shall we say. Obviously I want the highest rate possible,but many don't allow transfers in or if they do the rate is…
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Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
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Nationwide 2 year fixed ISA advice
If I out £20K in the above ISA today, then another £20K in the same ISA on 1st April, would I have to wait until 31st March 2028 to withdraw the whole lot (including tax free interest) to make the most of my investment. The rate is fixed at 4.05%.
