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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 please re: Fixed Cash Isa's that still accept funds during duration of fixed term
Hi, would appreciate some help if poss please re: any fixed cash isa providers that still allow funds to be added during duration of the fixed term. Thanks in advance. (My understanding is Shawbrook allowed this - but looking on their website recently am not sure if their current fixed cash isa issues do or if it is now…
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Shawbrook ISA - When did they they change their T & C's?
Having an ongoing FR ISA with them since 2024 it was a Condition for Shawbrook that you could only subscribe to one ISA with them during the tax year. However it now says in their FR ISA summaries that you can open multiple Shawbrook cash ISAs per year. When did this change?
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Transfer of S&S ISA with Scottish Widows to Charter Savings Bank
Not having a good experience with the transfer. Currently have £76k for a house deposit with Scottish Widows in a S&S ISA all in cash (all investments sold). Applied and posted an application to Charter by first class post on 19th January 2026 (cost me £3.05). Not heard anything from either providers since. Am I right in…
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Taxed on savings interest
I have recently had a tax bill from HMRC and also a new tax code added to my private pension. On further investigation I find that HMRC are billing me for interest on savings from 23/24 and new tax code for 24/25 again for savings. While I am rightly annoyed, should I bother looking for high interest accounts if the taxman…
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Transfer from plum to Charter imposible?
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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New cash ISA limit for those turning 65 during the tax year
I will turn 65 in May 2028. Will I then qualify for the over 65 cash ISA limit from my birthday, or will I have to wait until the following April to qualify?
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Trading 212 withdrawing interest
Hi Folks. I'm a newbie to this one. I have 3 x years of Trading 212 ISAs, the 3rd being current 2025/6. I want to withdraw the floating £2,000 interest, but £2,000 comes off my 2025/6 allowance (and the interest still shows as interest). This generates lots of questions, of course. Qs: Does that mean I'm losing £2,000 tax…
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Experience Transferring a Help to Buy ISA?
Been considering my options with my Help to Buy ISA for a while and just wondering if anyone has any experience of transferring their H2B to a Lifetime ISA. Like how easy was it, what exactly did you do and who did you decide to transfer to. Thanks
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Should I Transfer part of my employment pension into my ISA?
Is it a good idea to Transfer part of my employment pension into my ISA with CHIP? Is this worth it? in order to benefit from the interest? given the fact that the cash sits in my employee pension pot not earning interest.. advice and thoughts welcome?
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Transferring Sharesave shares into ISA - help needed
Hi, my Sharesave shares matured recently and I want to transfer them into ISA. How do I do this? The shares are held by JP Morgan workplace solutions and I'd like to complete the transfer in this tax year. I already told them I want to keep the shares so have just under 90 days to do the ISA transfer. I don't have a S&S…
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Virgin 1 Year Fixed Rate Cash ISA Exclusive Issue 11 - Maturity
Got an email earlier to remind me maturity is on 31/03/25. It will switch to an Easy Access Cash ISA Exclusive Issue 3 @ 4.51% Which is also flexible.
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Fixed Maturing soon, looking at options
Hi All I have a Shawbrook Fixed maturing soon, it looks today that we are being offered a Maturing ISA Fixed with Shawbrook at 3.91%……it purely contains an ISA deposit from a couple of years ago and has "rolled over"., I had a look and see that Kent Reliance are offering a 1 year Fixed at 4.08%……whilst checking the T&Cs I…
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Tembo fixed term ISA paying in funds
We have opened a fixed-term cash ISA with Tembo, and sent over a first payment, we were going to top it up to ma the ISA for the year. We have now fouund that with each transfer a separate ISA is set up with a different maturity date. Indeed, the last transfer today, it is not going to benefit from the interest that we…
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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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Adding to a fixed term ISA.
My first ISA was with Barclays which was fixed over 2 years and we could add to it over the the term. I then transferred it to another provider when matured with the intention of adding funds over the next 3 years in September. However I found out that it was closed for new funding at the end of October, but my new funds…
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Taking profits from a stocks and shares ISA
over the years I’ve built up a good portfolio of stocks and shares and cash in ISA’s, always maximising my allowance. I’ve also built up profits and interest payments in the accounts. Now I’d like to take out some of my profits. I have flexible accounts. Now it seems, when I take money out it is taken from the allowance…
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In Specie transfer
Hi. In March my two SAYEs are going to mature. I can't open a stocks and shares ISA until the new tax year as I've maxed out this year's allowance in cash. I've never transferred shares into an ISA before. They're held with Equiniti. I don't want to use Equiniti to do this. How do I do an in specie transfer?Do I open up a…
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New to savings
hi all I am am after some advice I am just about to be made redundant and I am looking at saving around £50k but I am not sure th best option for this. I am looking to lock this for 12 months as I will hopefully have a job by then but wondering what the best option for saving would be?
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Are there any reasons not to invest in this?
I'm almost 41, and whilst I'm late to the game, I have become interested in investing in stocks. Specifically, I narrowed it down to: * Platform: Trading 212 (Stocks & Shares ISA) * Fund: VUAG (Vanguard S&P 500 UCITS ETF – Accumulating). * Reason: Very low FX fee (0.15% per trade), no monthly account fee on the ISA. I'm…
