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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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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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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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ISA advice please
Just a couple of quick questions if anyone can help please. Firstly I have an ISA with a low rate that runs til July. I lose the interest if I withdraw from this ISA. Firstly when it runs out it puts me on an even lower rate. If it does this will that use up my allowance for the new year when it moves it? Secondly after…
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Cash ISA Question
Very new to ISA`s only ever had "normal" savings but last year I opened a Cash ISA and deposited 17k into it, the interest rate is about to drop so my question is Can I transfer the 17k into another cash isa before 2025/2026 tax year? Can I put a further 20k into the same cash isa for 2026/2027 tax year?
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FSCS money protection with Trading 212 bank
Can anyone help me please? I have seen advice from MSE website that Trading 212 offers best interest rate for ISA account. However, I noticed this bank does not have record on FSCS website. I want to know if this bank has money protection? And how much? Thanks!
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Messy Isa's
Hi, I am trying to tidy up my Cash Isa's, ho hum… Isa I; a 2 year fix from October 2023 that matured October 2025 then rolled over into a 1 year fix which matures in October 2026. Isa 2; a 1year fix from April 11th 2025, which matures in April 11th 2026. …………………………………………………………………………………………………………….. Is it possible to…
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Hargreaves Lansdown - Funding LISA from Fund & Share account?
I'd like some help moving money into a HL LISA from the HL Fund & Share account I created please. I've set up a HL account for my son and then opened up a LISA, and at the time of doing so I funded it with £100 to get it going whilst I awaited cashing in some Premium Bonds to top it up to the £4k maximum. I then created a…
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Cash ISA transfer from Chip to Moneybox
My nephew asked for my help in setting up his first S&S ISA so that he could invest half his cash ISA savings in an S&S ISA. He is currently with Chip who don’t allow partial transfers so I suggested that he transfer all of his Chip cash ISA to a Moneybox cash ISA that has a better rate anyway and then do another transfer…
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Flexible cash Isa's rules
Hi, I have 2 x Zopa flexible cash Isa's for the years 2023/24 & 2024/25....... I have a zero balance in each, have I now lost the opportunity to put £20,000 back in each one for ever? I also have a 212 flexible cash Isa for 2025/26 with a zero balance I believe I can put the £20,000 back in before April 6th 2026?
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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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ISA Renewal Date Query
In 2023-24 I took out a new 1 Year Fixed ISA on 2nd April 2024 which I renewed on 3rd April 2025. I expected to be able to renew on 3rd April 2026 but notice that renewal date has slipped to 8th April which is in Tax year 2026-27 because of the Easter Bank Holidays. Will this affect my 2026-27 ISA allowance as I was hoping…
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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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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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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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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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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%.
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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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Virgin ISA one year fixed transfer question
A couple of weeks ago I opened a Virgin ISA one year fixed and I already paid into that Isa . Now I see that Virgin has risen the interest rate. I'm unsure if I can open a new ISA with Virgin with this new rate and transfer the existing one into the new one. this is what it says in Virgin and for me it's not clear, first…
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A bit worried after enquiring about possibly transferring my maturing fixcash ISA to a new Provider.
I telephoned to make a provisional enquiry for when my present Fixed Cash ISA matures at the beginning of April in this tax year. The interest rate after maturity would be low and I wondered about transferring to a new, better interest, provider - as suggested in these forums. The bank adviser scared me by saying that,…
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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…
