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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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Partial Cash ISA transfers to keep below the £85k limit
I recently wanted to transfer part (50%) of a Santander Cash ISA to a new Cash ISA with Cynergy but appear to only be allowed to transfer all the cash ISA. I wish to split my existing cash ISA into two others with separate providers in order to stay below the £85k FSCS guarantee. When I transferred my stocks and shares ISA…
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Fixed rate ISA - please help
I spent hours reading all the posts and decided to go with Virgin Money Issue 11 on the afternoon it was withdrawn. I have looked at Paragon bank but I don't know anything about them so I would value your opinions/experiences with them or other recommends. I don't like apps, I am looking for a fixed 1 year ISA to open this…
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ISA - should I put my £20k allowance in now or wait
Hi I don't know whether to lock my ISA allowance into a fixed rate ISA now or wait until interest rates get supposedly higher. I know it's the answer everyone wants but I just want people's opinions. Thanks
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Aldermore ISA declaration states I can not subscribe to any other CASH ISA in 24-25
I received a copy of my ISA reactivation declaration from Aldermore. It clearly stated I am not aloud to open any other cash ISA this financial year. The following is on their Web site... Aldermore offers Cash ISAs only. You can split your Cash ISA allowance between any of our Cash ISA products. This will be classed as one…
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New ISA rules clarification on multiple accounts
I know in this new tax year we are able to open multiple ISA’s of the same type. I want to open ISAs with multiple banks, not just the one. Just wondering if this still stands or is it just that it hasn’t been updated yet. From Zopa’s website. Is it that they only allow multiple cash ISAs to be open with them only? Ie…
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Transfer maturing cash ISA
I opened a new fixed ISA on 6/4/24 and subscribed £20k. I have a fix with another provider maturing on 1/5/24. Can I open a new fixed ISA with any provider to transfer this into?
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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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Cash Isia or stock and shares Isia
We have a large amount to invest and want to know is it best to put into flexi account, fixed account for one year on Cash Isia or put into Stockand shares Isia . We are new to all this but really need some good advice
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ISA Transfer in to Moneybox
My ISA is being transferred to Moneybox. However, Moneybox asked me to specify how much I was transferring in, so I looked at the most recent value and wrote that. Will they transfer it all including the most recent interest. I don't want to be left with a tiny amount in my old ISA.
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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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Normal savings or isa
We are looking to save some money for next year to pay for a wedding. I have been trying to look into the best opition for saving. I've looked at fixed term isa and normal bank savings. I thought Ida's had a better interest rate but natwest for example seem to have a higher interest rate. Could someone please offer some…
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I've really screwed up with my ISAs tonight :(
Hello I lost my dad recently, and so not really thinking straight. Tonight I closed my Virgin ISA (85k @ 0.25% interest) and transferred the money to my nominated account (eg current account) thinking I could then transfer this to my new cash ISA with a different provider. Of course I should have used an ISA transfer form…
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Interest rates on ISA
One year easy access accounts are paying better than fixed accounts. Is it best to open an easy access one now at 4.85% or a fixed one at a lower rate and protect against interest rate drops in the next year .
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Flexible cash ISA
Hi all, I currently have £50,000 in a flexible cash ISA. If I withdraw £35,000 during this tax year, can I subsequently re-contribute the full £35,000 or only this year's tax free allowance of £20,000? Many thanks Dooshy
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Principality building society flexible isa
Hello, I'm think of opening a branch isa with PBS its currently 4.8% or somthing like that but will probably drop soon. I've never dealt with them before but are they fairly easy to deal with? I've heard that they can be old fashion in the way they do things, compared with other banks and BS. Thank you in advance for…
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Shawbrook FR ISA
Thinking of taking out a ISA with Shawbrook but a little nervous as I have always stuck with the older traditional banks etc before. Is there anything I need to be aware of about using them, are they easy to use and manage accounts with. Many thanks.
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Barclays fixed isa.
Hello, brand new on here hope someone can advise. I've opened a 1 year fixed isa on the 10 April with the intention of depositing my 23/24 isa full 20k plus interest, matures in Oct 2020. but it looks like l can't do this, is this correct? The said 23/24 isa was added too with three lots of cash over it life so have they…
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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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Moneybox and FSCS
This discussion was created from comments split from: UPDATE: ISA Transfer - they lost my money! 😖 (Do you lose interest when switching?).
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Concerns re Plums lack of transparency
I opened an account with Plum on the 6th of April using the app. I wanted to transfer £20,000 for 2024-2025 cash ISA and had to do this in blocks of £5000 from my Chase account. This money has only just been taken from my Chase account (12Apr), but it doesn’t show in my Plum account and when I contact them they said it…