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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…
Moneybox LISA
Can anyone advise what the trick is to find the right place on Moneybox's app to create a LISA. I am already feeling like I would be walking into a zero support agreement with them as they don't have manged support and it should never feel like the crystal maze to do business with a bank.
Martin Lewis: Cash ISA limit could be cut – this is 'p*ss people off economics'
Reports in various newspapers, including the Financial Times, suggest that the Chancellor Rachel Reeves will announce a cut to the £20,000 cash ISA limit during her Mansion House speech on Tuesday 15 July. MoneySavingExpert.com founder Martin Lewis has reacted to the news, calling the potential cut "a mistake". Read the…
Accidentally transferred money into junior ISA
I’ve accidentally transferred an my universal credit payment into my son’s junior isa, which only had £64 in (he’s 10). The bank (nationwide) have said they can’t give it back as it now belongs to the child but it was a genuine mistake. I was trying to move it to my savings account but I clicked the isa instead. Is there…
New ISA limit 2025 - Fixed rate ISA
When (if?) the new rules come in regarding a £5k or £4k limit on cash ISA's, what happens when you get near top maturity on a fixed term ISA with more than that amount? Will you be able to transfer the whole amout or just $5k or£4k?
ISAs - Leave in Cash? Or move to S&S?
My partner and I each have around £80k in cash ISAs. We also have around £200k each in savings accounts. We don’t pay tax on our interest as neither of us are working. So we are looking for a way to take a small income (£2k a month maybe) from our savings, but also put some money into investments for the longer term. We…
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…
Has Tembo lost my LISA funds? Being ignored by them!
To keep it brief: about four weeks ago, I initiated a transfer of my LISA funds from Moneybox to Tembo in order to take advantage of a better interest rate. For the past week and a half, my Moneybox balance has shown £0. Their customer service team has confirmed that the transfer was completed successfully on their end.…
Marsden cash ISA
My wife wants to move a matured cash ISA from Paragon to Marsden but the transfer form from Marsden asks for the account number of the Paragon account but does not have enough boxes for the number to be entered. Any advice would be great.
Cash back via Gift card (Santander)
When was the end date of offer?
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?
New ISA time or carry on Trading 212 4.1%
Hi all, taking a breather indoors from being out and about in hot weather, to look at finances, looking at best ISA options for the 2025/2026 tax year - already got a LISA with HL which I'll put £4k into, leaving £16k remaining in this years allowance. - already got Trading 212 ISA from 2024/2025 tax year, circa £15k…
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…
Vanquis
As anyone had any experiences with this bank? I have a existing ISA, which i wish to transfer to there 1 year fix, but i have very little knowledge of them. It will obviously involve them carrying out the transfer, so any experiences you may of had with them, would be great. Thanks
Tell us you cash ISA questions
Hi folks, We've just updated our Cash ISA guide to include FAQs at the end. We'd love to know if we've missed anything so if you've got an ISA question we've not already answered, post it below and we'll try to help. Thank you :) MSE Sally
Transferring from a Sharesave to an ISA/LISA
I have a Sharesave that is due to mature in October, and as it stands I will have around £25k worth of shares. This will be the first time I haven't bought and kept the shares in the company scheme.I would like to transfer them over into an ISA/LISA, I currently have a S&S LISA with AJ Bell, but would need to open a S&S…
HL Active Savings ISA - Transfers?
Hi, How do ISA transfers work with HL's Active Savings, both transfers between HL and unrelated banks, and also transfers between banks but all with Active Savings? Can you even do those "internal" transfers? I was surprised to see that some of their options accept transfers (Castle Bank) but some don't.
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…
Maths / Interest question
Hope you can help - if I put £45000 in a Fixed Rate (1yr)ISA at 4.61% how much interest should I get at maturity ( No withdrawals or monthly interest) ?
Withdrawing cash from a Fixed ISA
Hi all, I was wondering what the best way to get some cash out of my fixed ISA. It’s about to mature and they don’t allow partial withdrawals so I would have to close it. So I’m thinking maybe wait till it matures, transfer it to a cash ISA, take some cash out, and then immediately transfer it again to another fixed ISA to…
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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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
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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.

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ISAs & tax-free savings

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