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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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Coventry ISA transfer in form
All current years subscriptions plus part previous years subscriptions Immediately adjacent to this line it says total amount beside a box for entering the figure say £10000 pounds how much would you expect the current holder to transfer? Coventry are unaware of the current years figure
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Emerging LISA future rules
I have recently read an article (The Mirror: "“Lifetime ISA win for first-time buyers – but bad news for retirement savers”), which said that: "… You currently face a withdrawal penalty if you use your Lifetime ISA savings for any reason other than buying your first home or retirement. This not only wipes out the bonus,…
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Meteor - IsBank - 1yr Fixed ISA
Hi everyone, I've just started an ISA transfer from Moneybox to Meteor to be able to open their 1 year fixed rate at 4.35%. You can't open the account until the transfer is complete so it is a gamble but my current rate with Moneybox is 4.13% and I'm sure I'll be able to get this elsewhere is Meteor remove the rate, has…
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Tax Free Savings Guide
Hi! This is the discussion thread for the Tax Free Savings guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks, MSE Helen
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New Help to Buy ISA
I was listening to the Martin Lewis podcast and I might have misheard, but he seemed to say at one point that the new help to buy ISA which will replace the LISA, will only be avaialble as a cash savings product, and not as an investment wrapper/S&S ISA. Is that right or did I misunderstand that comment?
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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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Withdrew money for house deposit from my Trading 212 Cash ISA, how can I replace it?
I have had a Trading 212 Cash ISA for some time. Last year, I moved my S&S with Vanguard from a GIA to an S&S ISA with them. I have now withdrawn much of my cash from the T212 ISA to pay down a flat deposit. As a result, I am being shown replaceable funds - amount of X, and my annual allowance with them as still 20K. Of…
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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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Nationwide won't allow interest to be paid out of my ISA
The last time I opened a cash ISA with the Nationwide it wasn't possible to have the monthly interest paid out into my FlexAccount. That was OK then but soon I'll want the income from ISA interest. Why don't Nationwide allow interest to be paid out, even when the interest is paid monthly? I asked in branch and the advisor…
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New To Stocks & Shares ISAs
I am 55 and my wife is 50. Both are 40% tax payers working full time, with no debt and a paid off rental property bringing in a monthly income. My pension pot sits at £1million and we are currently working at filling my wife's pension pot which currently doesn't have much in. We have £100k in cash isas (Yes, probably too…
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Easy Access Cash ISAs That You Can Continually Pay Into
Good afternoon, I've a couple of cash ISAs maturing during the 26/27 tax year. On 6th April 2026, I'm looking to drip feed the 20K max limit thought the year into an easy access cash ISA PLUS perhaps transfer the other two maturing cash ISAs once they mature. Is this actually possible? Any advice appreciated. Cheers
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Holding XSTR In S&S ISA.... Thoughts?
I've recently transferred a S&S ISA from T212 to Freetrade. In addition to my Global ETF, I tend to hold a reasonable amount of cash in the same account. This wasn't a big deal in T212 as it attracted daily interest from money market funds. Freetrade offer limited interest on cash, so I've considered buying XSTR ETF or…
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Transfer into Tandem Instant Access Cash ISA
Saw that Tandem had an Instant Access Cash ISA currently paying 4% and decided to move my current Chip Instant Access Cash ISA which was paying 3.55%. This was over £40K being moved across. Did this within the Tandem app yesterday and couldn't believe it that the funds fully moved across this afternoon. Initially I thought…
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Electronic ISA transfer scheme members
Does anyone have the full list of members for the above please. I find some lists but they appear incomplete eg. missing Charter & Tesco for example.
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Sanity check - S&S ISA to SIPP
I am not looking for financial advice, just a sanity check to see if this is a reasonable plan. I have a S&S ISA of about £3,000 that I opened a few years ago as a first taste in investing. I haven't contributed to it recently. I am contributing to a flexible Cash ISA for short term goals. I also have a SIPP with about…
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Withdrawal of a lump sum from an ISA into a new portfolio
I currently have two Cash ISAs one opened in the 2024 tax year and the second 17/04/2025. I’ve used up both full tax free allowances. Can I transfer/withdraw £10k from the latter in this tax year and invest in a portfolio to give me better returns or do I need to wait until April 6th ?
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Transfer Out Plum ISA
Has anybody successfully transferred out a Cash ISA from Plum? I initially opened an ISA with Cynergy Bank but as part of the account opening, Plum (Plum Fintech Ltd (Saveable Limited - FCA: 739214)), wasn't listed. I contacted Cynergy once the account was open, only to be told they only accept transfers from institutions…
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Monument ISA transfer in.
Can anyone that has had an ISA transfer to Monument complete in the past day please advise how long it took. I'm in the process of transferring an isa to them but it will take me above the FSCS protection limit and need to initiate a partial transfer out to lower the balance. I'm wanting to gauge when that might be as I'm…
