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ISA Providers; Are most choosing to ignore the Chancellor's new ISA Reforms?
I contacted the provider of my Innovative Finance (flexible) ISA because I was having difficulties finding any providers of an easy access ISA that would allow me to make partial transfers-out to Proplend in accordance with the 10 Nov 2023 ISA reform Newsletter issued by the UK Chancellor in readiness for the New Tax Year,…
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New cash ISA
Can I open a new Cash ISA in a new financial tax year, while still paying into my Help to Buy ISA monthly (the max £200 allowance) that I opened approx 2-3 years ago? thank you
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ISA transfer "IN" not as easy as the "OUT"
Hi All, apologies if this is something that has been asked many times before. Am I the only one that's noticed that transferring and ISA OUT tends to be relatively easy (either the electronic or the somewhat archaic but understandable snail mail) but finding someone that will allow transfers IN seems to be more challenging…
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Is anyone topping up their Barclays Fixed rate flexible ISA ?
Hi I opened 2 Barclays Fixed rate flexible ISA's a while back 1yr @ 5.2% (maturing 27/11/24) and an 18 month @ 5.05% (maturing28/05/25) I'm trying to work out if they are worth topping up with new money and if it's even possible to top up both. ATM they both have £10 in. sx
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Growing ISA’s over a ten year period
Apologies if this is an obvious question but I was a bit clueless with ISA’s taking the interest from a maturing one then closing and opening another for years. I know, stupid. Anyway, I have an ISA maturing 12th April and another in October. My plan is to transfer the maturing ISA to a new Cash ISA, add another £20k and…
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What happens if I transfer too much to an ISA?
I made a mistake and should be due to have £20,001 in my ISA instead of just 20. The transaction hasn't completed (definitely the correct amount, I tested first with a smaller sum), but the money is nowhere now so I've messaged both building societies. I know it can take some time (the advised timescale has elapsed), but…
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LISA and High interest savings
I have 45g to invest and want to buy a property in 2/3 years - can anyone please advise me on the best options?
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Logistics on changing fixed ISA to new provider
Apologies if this is a very basic question but I’ve not had a fixed ISA before and now have two maturing in the next month. Ideally I will probably want to change provider. How does this work in practice? I know with normal cash ISAs the new provider handles the transfer, effectively pulling in the funds, rather than the…
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More than 20k to save, can't get my head around ISA's.
I'm honestly absolutely clueless. I opened an ISA last November with 20k. As I understand it, I can now open a new ISA in this tax year. I am lucky enough to have another 20k to put in it. When November rolls around, what do I do with the first 20k? As I won't be able to open any more ISA's until the following April? I'll…
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Cash ISA help/advice needed please
Firstly apologises if this topic has been covered at some point. I have a Cash ISA thats been sitting with a provider for a good few years and matures on 16th April'24. Its fair to say its more than £50k. If I transfer all of this into a Stocks & Shares ISA, I think I can contribute another £20k for year 24/25. My question…
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Fixed ISA
Hi, I have a fixed 1 year ISA for 2023-2024 with Halifax which matures on 15th May. This has a balance of 23k. I want to open up a new ISA for 2024-2025 which I have 60 days to fund. I want to fund this instantly with 20k from my regular saving account. My question is, will I be able to do this and then make a request to…
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Santander Maturing ISA
I had a maturing ISA with Santander .Mature date 1st April.Decided to re invest with Paragon. Set up an account and asked to take the ISA from Santander on maturity. Received a letter from Santander on 19th March to say they had received the request from Paragon for transfer. It is now 8th April and my ISA is still with…
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Clarifying ISA Allowances available across multiple years
Hi everyone! I'm not quite clear on ISA Allowances across more than 1 year, and so I wanted to check what the position is - from what I've read I think it's as follows, but it's not quite clear to me and I'd be really grateful if someone could confirm the position definitively, thanks. Year 1I open an ISA with Provider A…
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Consent.online
Hi, Just trying to open a cash isa with Shawbrook, even though they have all my details and nothing has changed for years, they sent me this message; ----------------------------------------------------------------------------------------------------------------------------- "We take your personal security and fraud…
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Instant Access Cash Isa
All of our ISAs so far have been fixed rate as we have never needed to get to them However we now want to open one where we can put money in, take out if needed and then replace later up to limit of course. I wonder if you kind people can advise best one and way to go about it. Thanks. M99
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ISA rules query
If I open an easy access ISA with X with new money, can I also open a fixed rate ISA with X by transferring in from another provider?
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Easy Access Cash ISA with variable rate and fixed bonus rate
If I open an Easy Access cash ISA that has a variable rate and a fixed bonus rate for a year am I right in assuming that the variable rate can still change over the course of the year and the fixed bonus rate is static. There are a few of these on Money Savings Expert so wondered if a fixed rate at a lower rate is the…
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Opening New ISA - transfer question
I am thinking of opening the Oaknorth 1 year fix currently offering 4.77%. It allows transfers in but does not state at application only. Does this mean I can open a new ISA then when my existing one with different provider matures in July I can port this over and the entire sum will earn 4.77 until the anniversary of…
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Lifetime ISAs guide
Hi! This is the discussion thread for the Lifetime ISA guide. Click reply below to discuss. If you haven't already, join the forum to reply. Thanks folks,
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Advice on Fixed Rate One Year Cash ISA
One of my current fixed term cash ISAs is due to mature soon I can leave it in for an extra year at approx 0.5% less than best of the rest Or go for one of the best of the rest Currently looking at Shawbrook and Zopa Are there any issues with these I'd like to pay in £20k and transfer my maturing ISA Any others I should…