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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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Mature ISA transfers loss of interest
When I have transferred several ISA between different banks having given them more than 15 days notice prior to the maturity date the bank closing the account has transferred the money to a low interest account and then several days later transferred the money to the new ISA. This has resulted in loss of interest…
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A pain in the PLUMs
On MSE recommendation I started a PLUM Cash ISA. No real issues, other than the usual digital format over-optioned click fest app (no I don't want this app to be the conduit of my life with various add ons and options - just want to save money get interest end off). The issue is now - trying to transfer the ISA out. As it…
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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ISA transfer funds issue
I have a matured fixed ISA with Shawbrook Bank, which has now been moved by them to an easy access ISA. I completed the ISA transfer online form with Virgin. Three times now it has been rejected by Shawbrook Bank with the reason that the funds are current year and not previous year monies? On the Virgin online form there…
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Rare Whisky Cask investment
Are Rare Whisky Casks a good £50k investment?
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HSBC New money v Old money
An old relative opened an HSBC ISA up using new 25/26 money last week, not realising they had their 24/25 HSBC ISA maturing a few days on - which has now matured into a lowly 2% ish rate easy account money. I said maybe go back and get them to find a way to combine the 2 into one as it'll be in the cooling off period.…
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Moneybox interest drop with cash ISA transfer
Hello everyone! I am currently transferring my Moneybox cash ISA due to the introductory interest rate ending. I have had a cash ISA since they were introduced back in 1999 and they seem to take longer now to transfer than ever. My main concern is I only requested the transfer through Tembo 2 days ago and I just received…
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Help! may have messed up my ISA allowance.
Hi, I opened two ISA accounts in December 2023 one was for a 1 year term and the other 2 year term, stupid me thinking cause i've done one as 2 year thinking that won't affect the tax year, i did one for 17K and one for 20K i've already had the 17K one mature so i need to try sort this other one can anyone help with what i…
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Opening new stocks and share ISA as POA is proving impossible and is a disgrace
My father has dementia and I have POA and have been managing his accounts since 2020. Managing EXISTING accounts is fine, but I'm finding it impossible to open a new ISA. Background: My dad is now in a care home, paying £1700 per week. He has around £500k which is enough for about 5 years. He has accounts at Lloyds which…
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'Save cash ISAs and keep £20,000 limit' urge building societies in open letter to the Chancellor
More than 50 building societies and other financial firms have signed an open letter urging the Chancellor Rachel Reeves to save cash ISAs by keeping their £20,000 tax-free limit. The move comes amid reports Ms Reeves will announce a cut to the cash limit in her Mansion House speech on Tuesday 15 July. Read the full story:…
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Tembo
Tembo don't allow connections between themselves and Barclays Bank, so not letting me set up a new ISA and transferring a maturing Barclays ISA to them. The only way I can think of to get round this is to open an ISA with a Bank they do allow connections and then when that's done transfer yet again to Tembo. Any other…
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Problems transferring principality ISA
I saved 20k into a principality variable cash ISA last tax year and another 20k this tax year. I now want to transfer the entire balance (40k plus interest) into one of the top one year fixed ISAs, which are as of today with Zopa and Virgin money. Having tried this, neither Zopa nor Virgin accept transfers from…
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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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Looking for an ISA fix with a good rate where you can deposit monthly
Struggling with this, wasted hours. I know about Shawbrook as I have one about to mature but the new rate is only 4.02% There is another one, can't remember the name but not suitable coz they won't let you have current year isa's with other banks as well and I have a few this year. Any suggestions? Need to decide quickly.…
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Moneybox to Close Brothers ISA Transfer
Just tried to do this but moneybox does not appear in Close's drop-down list of providers. anyone done this and can it all be done electronically? Thanks
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Charter Savings Bank ISA Transfer
Hello Forumites! Towards the end of April 2025 I opened a new Fixed rate Cash ISA with Charter Savings Bank - having seen their rate on here. They advised me that for them to be able to transfer my existing ISA (from Plum), I would have to complete a form, print it, sign it and send it through the post. Bit of a pallaver…
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LIFETIME ISA for self build of first home
Hi there, my partner and I are in the process of building our first home. We have each been saving in a lifetime ISA account for 6 years - and now in the process of wanting to withdraw our savings in order to support completion of the build alongside our self build mortgage. HMRC does not stipulate any direct guidance in…
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Transferring CHIP ISA
My bonus rate has ended so looking to transfer my ISA to another provider. On the transfer form do I just input the account number and sort code?
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Principality BS Online Bonus 5 Access Cash ISA - new Iss 5.
I have had one of these accounts for about a year. During that time, the interest rate has dropped from 5% to 4.15%. Today I discovered there is now a new 'Issue 5' account with the same name paying 4.4%. There was no email notification of this - I only found out by accident. To get the better rate you can open a new…
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CMC Invest FSCS protected or not?
Hello, I have recently switched out of T212 Cash Isa to CMC Invest Cash Isa for the better rate. I went through the "This Is Money" website to open the account who state "It leans on the FSCS cover of NatWest and Qualifying Money Market Funds to protect customer deposits in its Isa up to £85,000 if it goes bust." When…
