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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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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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Trading 212 Cash ISA issues - transfer out or cancel under 14 day cooling off period?
Hi forumites, My partner has quickly lost confidence in Trading 212 and we're wondering if it is more sensible to transfer out or cancel under 14-day cooling off period? My other half and I each opened Cash ISA accounts with Trading 212 one week ago, at the start of 2026-27 tax year. My account opening went smoothly but my…
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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ISA Transfer from Kent Reliance to An Other Bank
Have completed an online transfer request with a new provider who have accepted the transfer but have advised that Kent Reliance require written authorisation. Are Kent Reliance responsible for sending me a form to complete or is this done by the new provider?
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Funding Junior Cash ISA and Adult ISA in the Same year for over 16s (but under 18s)
Hi, I have seen in the MSE article regarding JISAs that 'When a child turns 16 they can open a normal cash ISA in addition to a junior ISA (however, they cannot open an adult stocks & shares ISA or a Lifetime ISA until they are 18).' but I was unable to see if you are able to fund both in the same tax year. In this current…
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Cash ISA transfer - Charter to Vanquis
Has anyone experienced a Cash ISA transfer from Charter Savings Bank to Vanquis Bank? How long did the transfer take?
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Plum - App Issues
Tried to open a Plum Cash ISA, on the app. Took me through the account setup, and eventually got to the ID & Address verification screen. Both boxes were marked as Verified (I had not sent photos of any documents at this point), and I could not continue. My only option was to press the X at the top of the screen, which…
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42 years with Lloyds and this is how they treat me!
Just feel the need to spout off as cannot share this with my wife. Had a 12 month fixed term ISA with Lloyds which matured on 13 April. Made a genuine mistake in clicking the wrong button to transfer 2 days before it matured, Lloyds deducted £660 from my annual £2,537 interest which they are entitled to do (90 days…
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Transferring a LISA?
I opened my sons first stocks and shares LISA with Vanguard via Hargreaves Lansdown last year and will do the same again this year but I might choose a different Vanguard fund with HL. We are planning to use it towards his pension. Is it normal and sensible when opening a new one to transfer in an existing LISA so they are…
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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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Moneybox Account Number/Sort Code
I want to transfer an existing Cash ISA with Moneybox into a Trading212 Cash ISA but I cannot find my moneybox sort code and account number to give to Trading212 anyone know where I can find it ? cheers
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Can we use a cash ISA account just like a normal 'easy access' savings account
Mrs B and myself have about 30k in Ulsterbank paying 4.25% AER Could we transfer this into two cash ISAs and use it to dip in and out as we need for spending purposes?
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Investec ISA
How about this for a load of utter rubbish in their key facts: "At the end of your fixed term, we'll get in touch to explain your options. By default, your balance will move into an Investec Save Instant Access Cash ISA, and any interest earned will be paid into your linked account. This keeps your balance within the ISA…
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Gatehouse bank ISA maturity instructions change of mind.
Hello I currently have a Gatehouse isa that is due to mature on the 24th. I have already given instructions for it to roll over into another 1-year fix at my present rate 4.35%. I was told via the maturity options online that l can change my mind up until 21s of this month. My question is, as it's a new isa, wouldn't l…
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HMRC Tax Code and untaxed interest
I have some untaxed interest on savings. My PAYE income could well be zero for current tax year. My IFA advises I can receive £1,000 personal savings allowance, tax free, and the next £5,000 of interest would be taxable at the starting rate for savings, currently 0%. HMRC have issued a tax code that deducts my estimated…
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Open new and transfer from old ISA within provider
I have a flexible variable cash isa with Tembo which is now at 3.8%. There new isa pays 4.3 so I wanted to open new and transfer full balance into it. The old isa would then close. They say I can’t because you can’t have two isa’s with same provider. Are they right? I know there maybe better options elsewhere but I’m…
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Cash ISA transfer - Charter to Vanquis
Has anyone transferred a variable cash ISA from Charter to Vanquis? How quick are transfers? Do they both use electronic systems?
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Transferring from Virgin fixed rate 1 year ISA to Santander fixed rate 1 year ISA
I currently have £10,000 in the Virgin fixed rate e-isa 683 which I took out in January this year with an interest rate of 4.11%. I'm now thinking of transferring it to the Santander 1 year fix at 4.5%. This would mean that I there would be a 60 day penalty for closing it (worked it out to be £68 and would be £43 worse off…
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Top Cash ISAs
Hi! This is the discussion thread for the Top Cash ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks
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2026/2027 transferring a cash ISA from Trading 212 to another provider
Hi all. I'm looking for a cash ISA provider that will accept transfers of an existing ISA from Trading 212. I tried Virgin Money, but their list of providers that they'll accept transfers from doesn't include T212. Someone recommended Principality Building Society; I've spoken to them, and they confirm that they can't do…
