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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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ISA virgin....(Not R.Branson, just a newbie)
Are cash ISA interest payments tax free? Are any "easy access"? Is interest paid monthly? is 5% achievable? TIA
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S & S ISA, rules, tax and things
If I have a S&S ISA and grow the value by buying and selling, I don't pay CGT or tax on dividends, ok. Is there a limit on how far the ISA can grow? Suppose I just want to sell the shares and hold the money there as cash? Does that make any difference? If say the original 20k becomes 40k, can I transfer 20k to "somewhere…
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Trading 212 easy access ISA 5.2% APY and 1% cashback. Too good to be true?
Hi all, This sounds just too good to be true and I wonder if I have missed anything or if this is just an account that beats all the other market offers at the moment? I am a bit confused... Trading 212 offers an ISA and offers 1% cashback (not counting towards an ISA allowance). The cashback is paid within 3 business days…
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 2024/25 tax year. **As with any financial product, before opening an…
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Can you invest own 2 ISA's while transfer is being completed?
Good morning. I am with AJ Bell and have already used up over half of my ISA allowance for this year but wish to transfer my holding to Hargreaves Lansdown in order to invest in a company that is not available on AJ Bell. I was wondering once I start the ISA transfer could I invest in this new company with Hargreaves…
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Flexi cash to S&S Isa
Looking for advice on whether this is possible. I have £20k to invest now in this years ISA and was going to invest a lump sum now. Over the rest of the tax year I want to use this ISA to drip feed into a S&S ISA. Is this possible? From what I’ve explored it looks like most cash Isas need a linked account and that is the…
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Isa’s gone over the fscs limit…can i split it on reinvestment
Good evening I have had isas over years and years. A few years ago i transferred them into one isa that was paying a good rate.. The only issue is its coming up for maturity but is over the fscs limit. I would like to transfer it again into another isa, but dont want to be over the fscs limit. Would i be able to split it…
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Can you have multiple ISAs with Shawbrook?
As title, I can't see anything in their terms that says no. Reason I ask is that I was just wondering - since the ISA rules about how many you can open per year have changed - and how Shawbrook seem to allow deposits through out the term, theoretically could you open say 3 year and 5 year fixes with the minimum deposits…
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Newbie seeks ISA advice
Please forgive me if this question is a bit dumb. I hope someone here can explain the basics. I have 2 Cash ISAs maturing on 31 May, both with Coventry BS. One is an Active Loyalty Fixed Isa and the other is just a Fixed ISA. Both amount to £37k in total. The nice lady on the phone told me that I could reinvest in the…
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'Nude' LISA changed to 'Tembo' with 4.3% rate!
Just saw my app had updated with this info. Really pleased! https://www.getnude.com/
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Anyone transferred a cash isa to Zopa?
A few weeks back someone posted that their transfer to Zopa had failed. Apparently this was due to a fault in Zopa's system whereby it couldn't accept an amount that differed to that declared during the opening process but on closing the transferring account, interest gets added thus resulting in a discrepancy between the…
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Plum feedback, how can you transfer in from plum
Hi, can anyone give feedback on Plum Cash ISA? There are no bank account details. How can I fill the transfer-in form from Plum transfer to another provider? Is that easy to withdraw? I am kind of doubt about continuing to use IT. Thanks
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Keeping LISA, SIPP and ISA with the same broker
Does anybody keep all tax sheltered accounts with the same broker to minimise fees? If the broker has a maximum yearly fee, and it is across all accounts, it could make sense for investors who's total holdings are large enough, but separate accounts are not. However, I know the main 3 mentioned here (DODL, AJbell and HL)…
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Lloyds fixed 2 Year Cash ISA
Morning, Just a couple of quick questions... Last month I opened the above account with 5K & will be topping up shortly with the remaining 15K of this year's allowance... 1) Can I transfer in any other maturing Cash ISAs at any point during these 2 years 2) Will I just be able to add to this same cash ISA during the 25/26…
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Looking for Non Fixed Cash ISA
Must have at least 4.5 % interest Paying annual or Monthly Interest If Monthly ideally I'd like to take out the interest to top up my monthly spending commitments I will be funding it with this year's ISA Funds less £500 already used on a Fixed Cash ISA
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"Full transfers out for current tax year, partial for previous tax years" meaning
Looking at Plum's cash ISA T&Cs, it says: "Only full transfers-out for the current tax year are
accepted. Partial transfers-out are accepted for previous tax years." What exactly does that mean? Say I open up that ISA now and put in £5k, I assume it means that if I want to transfer some out later this tax year I have to…
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S&S ISA
I have stocks and shares isa with Virgin which is a footsie 100 tracker it is obviously doing very well at the moment my concern is when the footsie starts to go down so will my shares value my wife and myself are in our 70s I wonder if I should transfer to a cash isa either fixed or easy access at least that way I will…
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Allowance rules
I have £20000 in a fixed rate ISA that ends in July 2024. If the rate drops dramatically and I want to move that to a new ISA, I presume that is my £20000 allowance for the year 2024 or does it not count as its ISA to ISA - and I therefore have another potential £20000 allowance??
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ISA compound interest
I am about to open my first ever ISA.-for a fixed 5 year term. I’ve completed the online form with UBL as theirs was the highest interest. However I noticed in the bumpf it stated the ISA does not compound interest. Is this normal for ISAs -or are there some that do? Also the account opening is still pending -no funds…
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New ISA rules
So i put £17750 into a Paragon 5 year fixed cash ISA last month, so i have £2250 of this years allowance left. Can i put that anywhere or must it go in another Paragon account?