We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

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…
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…
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…
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.…
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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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…
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
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…
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…
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…
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?
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…
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…
(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
5K - Where do I put it?
I've got 5k left to put into an ISA for this year (Currently have 15 in Marcus) Debating whether or not to look at a fixed rate (4.32 Hodge Bank) or would it be better to still go with the variable (Trading 212/Plum at 4.98) I know it's a gamble and it's the classic crystal ball scenario. What would others do/suggest here?
ISA transfers in from last year, add money this year and want to draw some and a little unclear
Hi. hope someone can clarify Transferred into a new FLEXIBLE isa £7k from last year. Added 2k this year which as it's flexible i can replace later on in the year. If i was to draw £5k of the £9k would I only be able to replace this years money ie. £2k or would I be able to replace also the money from last year with the 5…
Lifetime ISA
Lifetime ISA - Do I deposit 4k now then again in new tax year? Hi All, I have question around Lifetime ISA? I'm looking to potentially buy with my partner within Cardiff within the next 12-18months. She is not a first time buyer, I am. Not sure if anyone can advise here or point me in direction of. I have a maxed out help…
Tembo Cash ISA - interest overdue
Interest on a Tembo Cash ISA was due on 10th July (for all) but has not yet been paid. Does anyone know of a reason?
'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:…
ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
MSE News: Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'
MoneySavingExpert.com founder Martin Lewis has made a suggestion on how to get young people investing WITHOUT cutting the £20,000 tax-free cash ISA limit... Read the full story: 'Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'' If you haven’t already, join the forum to reply.
ISA transfer-in highest interest rate?
I saw the MSE guide yo the tip interest rate cash ISA's but i was wondering who pays the highest transfer -in interest rate? Plum are 3.29%
APS ISA Help
Hi, My dad died earlier this year and I was tasked with sorting out his finances on behalf of mum - it's been a horrendous job as he had paperwork going back god knows how long to accounts that didn't exist so it's been...interesting, working out what is still current! It's taken me ages to get my head around the APS…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

ISAs & tax-free savings

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

ISAs & tax-free savings

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free