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Stupid ISA questions
Can you open a new ISA, and switch an existing ISA, in the same tax year? What I mean is, if I have an ISA this year with Bank A, then open a new one next tax year with Bank B, can I transfer them both to Bank C who's offering better rates a few months later ? Also, if you switch an ISA, can you onlyswitch the amount…
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Self Select ISA and SIPP
Come the new tax year, I've decided I'm going to start scaling into stocks etc again, and I'm thinking of opening a SS ISA and maybe a SIPP as well. So my question is can anyone recommend a provider, hopefully with low dealing costs, ideally it would be good if you have products with the company/s suggested and so first…
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medium risk isa
have some money that i want to invest and no how the market is at the moment but would u put money into a medium risk isa at this moment
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How can I open an ISA without a Chq Book or current a/c?
I want to open Cash ISA accounts for each of my teenage (16+) children. At the moment their money that would be used to open these accounts is held in my name (in my offset mortgage savings pot, which I am now keen to empty as my mortgage interest rate will be just 0.99% from the beginning of next month). Anyway,…
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Post Office cash ISA question
Hi, I am going to transfer my Post Office cash ISA to Natwest's e-ISA. The online Natwest form asks for the account number of the ISA to be transferred (an 8 digit number I have been told). Now my Post Office ISA form has an ISA Number which is H00012345H. The Natwest form cannot accept this - its too long - should i just…
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Nationwide Fixed Rate ISA Bond ready to mature
I received a letter yesterday from Nationwide informing me my fixed rate ISA bond is due to mature on 7 march and asking did I want to reinvest it. Letter dated 6 February! Letter enclosed with it apolosing for the delay and offering to give the rates at the time the letter should have gone out as long as I respond by 16…
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Barclays Tax Heaven ISA
hi I subscribed to the barclays tax heaven isa last april for the year 08-09. Today i have received a letter from barclays which explains the isa rules and regulations. one of the things is that you can only subscribe to an ISA with one provider within one year. My question is when i signed up for the ISA in this year,…
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Who pays the interest on my isa ?
I'm not to up on this isas and was wondering if anyone can give me some advice... I currently have a isa with the Nationwide but i am looking to transfer it to the Natwest e-isa. I have put my £3,600 limit in this year. My question is if i start to proceed with transferring it tomorrow who pays the interest on my money ? I…
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Transfer to one account and save in another?
Is it possible to open two cash isa accounts in the same year if one is used to transfer money from a previous years ISA and the other one is used for new saving?
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Icesave ---> Halifax ISA?
Ok so i'm trying to transfer my Icesave ISA money to a Halifax ISA that I recently opened. I just phoned them to fund the account and they sent me to Nationwide (where the money is currently sitting) claiming they can't do it. Nationwide say I need to request money from Halifax' end. Can anyone tell me who I should follow…
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Quick query about 07-08 Egg Isa?
I'm still in the process of trying to streamline and simplify my affairs as I have accounts right left and centre and no money to fund them all. Given this, I'm thinking of closing my old Egg isa that has practically nothing in it anyway as I withdrew a large lump sum in June 08. Is there any reason in paticular I haven't…
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Cash ISA
One Cash Isa that is not getting too much attention is Marks and Spencers Money, currently paying 3.10%, you do not have to access it by internet and you CAN transfer in from previous years cash ISA's. Hope it's of use to some of you. Be careful of the Barclays Golden ISA, if you withdraw money during the first 12 months…
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Direct ISA Issue 5 from A&L
Hi. I am thinking of opening an Direct ISA Issue 5 with Alliance & Leicester. the rate at the moment is up to 3% variable, if you invest more than £9000 is this a good rate at the moment? any advice please.
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First time Isa virgin needing advice
I opened a golden ISA with barclays y/day, now unsure what to do next. I am in a position to put the full amount of £3600 into it straight away, is this the right thing to do. If i do this can i open another ISA after the 6th april. Do i wait & see what rates are available later Hope this makes sense. Cheers in advance
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Advice needed on fund selection (ISA)
Hello, I am considering opening an ISA with a fund supermarket. Unfortunately, I have no idea about funds (am a bit more familiar with investment trusts). I would like to be able to select a small number of funds (2-3) for regular saving. I would be grateful if someone could give some advice on how to go about selecting…
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Need help with sums!
Would someone do the maths for me please? I have a Skipton/Scarborough BS Cash Isa worth about £15000. Their interest is now 3%. My current account is with First Direct and they have an Regular Saver ISA at 7% for existing customers. If I open a First Direct one and deposit £300 pm would I get a better return than if I…
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I set up a new ISA this year - can I withdraw & deposit in a higher interest b4 April
I set up a brand new ISA with Egg at the beginning of this financial year ... with a whopping initial rate of 6.25%. Then the recession hit and now interest rates have plummeted down to 2.05% !! I know very little about ISAs. I do know that you can only have one each year. So my question is ... can I withdraw the funds in…
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Advise please!
Hi everyone, I'm looking for some help with ISA's. Got £5000 to invest (first time) before April 6th. I'm looking long term and won't need access; So.... -Thinking of investing £3600 with Barclays cash isa as looks the best, unless someone can tell me otherwise? -What happens to the £3600 after April 5th? Does it stay…
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Used Cash ISA, want to use the remainder...
I'm a bit confused... I've used the full amount on my cash isa, and as the end of the tax year i want to get the remaining £3600 into a shares ISA. I don't really understand the intricasies of these, basically what i want is something that *should* give me a decent rate of return (i appreicate there are no guarantees), and…
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Halifax ISA Investor dilemma
This post is a Dilemma whether to top up this years Stocks and Shares ISA. I have extensive savings (6 figures and mostly invested in medium term fixed interest rates that have escaped the current rate cuts so far). These run out around autumn time at which point im planning to buy a house. I also have around 20k in…