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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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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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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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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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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…
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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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Virgin HTB at maximum bonus, should I stop paying in?
Hello, I took out a virgin HTB ISA a few years ago, paying the maximum of £200 in per month. I’ve now reached £12000 which gives me the maximum £3000 bonus from virgin to use on a first house. My question is, should I stop paying £200 into this account as it is ‘maxed out’? I’m looking to buy somewhere, but realistically…
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Halifax ISA Investor
Halifax ISA Investor provided by Scottish Widows. Has anyone use this product before? I am looking at reviewing my investment and saving with a view for putting money away for X number of years each month. Has anyone any experience of ISA Investor and any of its eligible funds? Just for now scoping options..I am also…
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Question about total tax free allowance of Lloyds cash ISA over many years
Hi, hope you are all doing well. I opened a Lloyds Fixed Rate 1 year Cash ISA on March 30th and deposited 20.000 gbp. Since the financial year ended on April 5th, can I deposit another 20.000 in the same account in a month and get tax free interest for the entire 40.000? Thanks
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Big banks 'ignoring' the new isa 2024 rules , does it matter?
https://www-thisismoney-co-uk.cdn.ampproject.org/v/s/www.thisismoney.co.uk/money/saving/article-13316161/amp/Big-banks-ignoring-new-rules-let-savers-open-one-Isa-year.html?amp_gsa=1&_js_v=a9&usqp=mq331AQGsAEggAID#amp_tf=From…
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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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Flexible ISA fund interest withdrawal (and adding back in)
I've just been reading a review of an ISA provider I've used for a few years and noticed there is a section on withdrawing interest and adding it back at a later date. I'll paste it below. It never occurred to me that it's possible to take out interest payments and pay them back in at a later date in that tax year. I've…
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Can I move ISA twice in a year?
Hi, I currently have ISA with MARCUS, but want to transfer balance to Zopa Isa, but Marcus not part of online transfer system, so not on zopas transfer in list, as zopa only accept it online. A workaround is move cash to santander as they will do it by filling a form for the transfer, as, once cash with santander, zopa…
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Trust & JISA - How to consolidate
Hi, I have a JISA for my son. After it was set up I found out his mum has a Trust Fund for him that she pays into regularly. Later, I discovered you cannot have both, so I need to try and combine them and JISA, being the newer product, seemed the best vehicle. The JISA is with Moneyfarm and they suggested that we transfer…
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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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Basic question on Cash ISA after maturity dates
Hi. Can someone please help with what might be a basic question for some! My Santander cash ISA for 23/24 has matured and they have given me the option of upgrading it to a Fixed Rate Cash Isa at 4.15%. But I know there are higher rates out there for tax year 24/25 - plus I want to invest £20,000 for this tax year 24/25 in…
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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…