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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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Top Junior ISAs guide: discussion
This is the discussion area for the Top Junior ISAs Please click reply to discuss
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 2026/27 tax year. **As with any financial product, before opening an…
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HSBC cashback offer
Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…
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CHIP easy access ISA
I have recently opened one of these and I'm not happy with the fact that they want access to all my bank account details - this includes balance and transactions. This doesn't sound safe and secure. Advice please.
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Interest not compounded 1 year fixed ISA
I am thinking of saving with a company offereing 4.71% fixed for one year. What do they mean the interest is not compounded. I have never seen this before
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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Coventry Building Society
I have a 1 year fixed rate ISA that is due to mature on 31 May 2026. I am expecting to hear from them regarding maturity options, but nothing has arrived so far. I believe the default option is another 1 year fixed rate ISA at Coventry, which I do NOT want. Unless they have something better on offer for maturity than their…
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MSE News: Warning: 'We're being forced to close and move £1,000s from our kid's Junior ISA'
If you're looking to open a junior ISA (JISA) for your child, first check whether they have a forgotten Child Trust Fund (CTF). Around 1.7 million CTF accounts were set up automatically, meaning it can be easy to double up. One MoneySaver who thought he was doing the right thing investing for his kid in an ISA has a…
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212 cash isa
Good afternoon, my first contribution to the forum. Just went on 212, via MSE link, to open a 4.61% cash isa. Completed the initial details to open a/c but then the linked bank account details hit the alarm button. 212 sent me to a third party site, this site then requested my username and password! The big warning is…
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Quickest ISA transfer
Hi Can anyone tell me the quickest providers for transferring a cash ISA? Many thanks
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Chip ISA and bank access permissions
I've had a Chip ISA for some months now (run through an app on my phone), and while I am satisfied with the interest rates and account features, I noticed something a bit odd. Periodically, the app asks me to renew permissions for Ship to look into my bank account. Or at least, that's what it appears to say. It seems that…
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Stocks & shares isa changes
Hi, getting myself confused with the future changes to the s&s Isa’s. For example, I pay in £100 a month and have a balance of £10,000 in the account. what amount would I be taxed with the new 22% charge? Basic rate tax payer. Simple answers please, go easy on me. thanks
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Cash ISA confusion
Hi All Is there any provider that regularly offers decent cash isa rates to existing customers? I’ve currently got £30k inc £20k added this year with Chip at 3.75%. Got totally shafted by them as I had a bonus rate but they hugely reduced their underlying rate part way through the year. I’ve never previously had big…
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Moneybox bonus ending – stay or transfer?
I have a Moneybox ISA but my bonus period is ending, leaving me with a 3.45% rate. I’ll need to access some of the money at the end of January when my mortgage is renewed. I’ve looked at the MSE top ISA list, but I’ve already held a Chip ISA, I wouldn't be a new customer to access their bonus rate. Ideally I’d like to…
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Sticks isa
Hi I would like to start investing in a global index fund. One like this HSBC FTSE All-World Index (Class C) I would be investing my £20,000 allowance every year What would be the best/cheapest wat to do this? Through HSBS its self or through another provider. Any advice would ne appreciated as I have never set anything…
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Raisin Cash ISA - coming soon
Just had an email this morning to say that the platform will be branching out into Cash ISAs soon. I've signed up to the newsletter, so will have more information shortly. Chasing competitive interest rates doesn’t have to mean opening a new ISA every single year. Doing that usually leaves you managing multiple passwords,…
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Charter Savings Bank cash ISA account opening - not.
Just a cautionary tale regarding the hoops unsuccessfully jumped through attempting to open a cash ISA with Charter Savings Bank. Last week, my wife decided to move her cash ISA from Moneybox to Charter Savings Bank for reasons of interest rate. Filled in the online form stating that she wished to transfer an existing ISA,…
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Stocks and Shares ISA
I have a Stocks and Shares ISA which has an Uninvested Cash element and an Investments element. If I transfer £x from my current account into the Cash element ready to make a trade but then decide not to trade, so I then transfer £x back to my bank account, am I considered to have used £x of my annual allowance even though…
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Sidekick ISA: is the 1.38% 'bonus' rate taxable?
I recently opened this account with a 3.23% interest rate, and an additional 1.38% 'bonus', taking the headline rate to 4.61% But when my interest was paid, only the 3.23% was credited to the ISA, and the 1.38% bonus interest was put in another account, called a Sidekick wallet which obviously isn't the ISA; their customer…
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Withdraw from one ISA and put in another
I have one "main" S&S ISA opened many years ago. Let's call it ISA A In May this year I opened up a new S&S ISA, let's call it ISA B I put 20k in ISA B in May. Then I withdrew this whole 20k in September. Now can I put 20k in ISA A?
