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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 Transfers by Cheque
I am in the process of doing a Cash ISA transfer from Principality Building Society to Virgin Money. I was advised that Principality had closed my old ISA account 3 days ago. When I checked with Virgin to see where the funds were, they advised that they are waiting for a cheque to arrive!! Wow - I googled this to see what…
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Interest on ISA
Apologies if this comes across as a silly question but I've recently received an inheritance and would like to put £9000 into a junior ISA for each of my children. I understand this is the maximum I can put into a junior ISA. My question is regarding the interest: if this is paid into the junior ISA would this be…
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NEW ISA Rule 2024
Hi, can you save with multiple providers of 2024/25 Cahs ISA? For example. You save 5000 with one bank cash ISA and save another 15000 with another bank cahs ISA. Both added same or less than 20000 limit. I think HMRC allows save same type ISA with different providers from 2024? Thanks
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Monthly ISA saver
Hello, Is there such a thing as an isa account that acts like a regular/monthly saver? Thanks
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Virgin Money Payment delays.
Hi New member here and I'm in a bit of dilemma so hope someone can point me in the right direction. My wife and I have an ISA with Virgin Money from which we both take a regular payment. Unfortunately the most recent payments (Easter Bank Holiday) have not been received by us. We have contacted them by all methods but they…
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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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NS&I Index Linked
I have a 5 year NS&I Index Linked a/c maturing shortly but I have worked out I will only be getting about £770 interest on my original investment sum. I've tried to work out the interest rate which to me looks like its 0.6%. That can't be right surely.
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What to do with previous isa balance
Hi, I'm a little lost with what to do with last year's isa balance. I have £20k invested at Close Brothers which matures shortly and I have opened a new ISA at plum £20k. My question is what do I do with the previous isa balance? How does this stay in the tax free wrapper? Any help appreciated. Thank you.
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Any point in staying with Hargreaves Lansdown for my ISA? Trading212 looks cheaper
If you read Stocks & shares ISAs: find the best platform - MSE (moneysavingexpert.com), it has trading212 under "Lower fees, but less established platforms", and HL under "Higher fees, but more established platforms". Does how established a platform is really matter? You investments are ring-fenced anyway. All I want to do…
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Cash ISA question
I have £35k in a savings account paying 4.5%. I do not want to pay any tax on this and considering a cash ISA. Can i gather interest up to the £1000 limit and then transfer to an ISA at a point later in the year to avoid taxation on the interest? I have no current ISA.
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Fixed Rate ISA moving abroad
I am British and was resident in the UK at the time of opening a Fixed Rate ISA with a well known and established financial institution. I made two distinct transactions, the first one the second week in April 2023 (transfer from another ISA provider) and the second one the first week in May 2023. In June 2023 I left the…
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ISA online app online companies like Plum
Hello MSE im a newbie. Asking question. Why are some ISAs (esp those with the best rates) only available as app on smart phones. ie Plum and not on a laptop/online which is so much easier to navigate, use and secure? If so how can i be reassured the apps on phones are secure?
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£28 to withdrawal cash from a Help to Buy ISA
Hi everyone, Nat West are charging my husband £28 every time he makes a withdrawal from his Help to Buy ISA via a branch - it seems really steep. I've gone online to see if I can find withdrawal fees in their terms and conditions and I have yet to find this information. Is anyone else experiencing this and is this…
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Transferring in
Why is it some banks etc won't allow transfers in?
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ISA transfer to ZOPA - FAILED
Hi everyone, I was looking for some help/advice on what I should do next? I tried to do an ISA transfer mid December when Zopa started taking transfers, It still hasn't been completed and I currently have no access to my funds. After complaining to Zopa, I found out their system had no tolerance to accept funds greater…
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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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Nottingham BS RS Cash ISA 5%
Not seen this elsewhere so could be an option. Upto £1500 a month, no transfers in. https://www.thenottingham.com/savings/products/starter-isa-issue-12
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Post Office Online ISA - Payments In
I recently opened a Post Office Online ISA, and my initial £100 deposit is now showing in my account. As I understand it, I can only make payments into this account by debit card or cheque. My First Direct debit card limit appears to be £10,000 in any rolling 30-day period. Depending on other spending on my card, does this…
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New ISA rules April 2024
HMRC has recently released more information regarding the new ISA rules to come into effect from April 6th 2024. Notably, it includes: 1.1 Increase the age for opening cash ISAs from 16 to 18 years old and over From 6 April 2024 it will not be possible for anyone aged 17 and under to subscribe to more than one…
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ZOPA Smart ISA Newbie Query
Hi, I am new to ISA's and have done a lot of reading, landing on ZOPA for my first attempt at this! I currently have my money in an easy access savings which helps as I am not sure what's what at the mo while I fix up my house (trying not to touch it but just in case!). This savings account pays my interest monthly into my…