mason
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Post by mason on Feb 9, 2017 6:45:24 GMT
Nope, they cut it for all customers last year. Still a decent rate and no penalties for changing your mind and withdrawing the funds. 3.5% for me. I opened it the day it launched. Yes, cut from 4% to 3.5% on 8th December. Must have missed this one with all the current account rate cuts happening around the same time.
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stevio
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Post by stevio on Feb 11, 2017 17:39:22 GMT
So are you pretty much tied in to the HTB ISA or can you transfer it to a different ISA?
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mason
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Post by mason on Feb 11, 2017 18:17:32 GMT
So are you pretty much tied in to the HTB ISA or can you transfer it to a different ISA? No, there's no tie in. It can be transferred to a different HTB ISA or a different type of ISA. At the moment it is forming a useful part of my cash emergency fund. It may well become IF ISA number 4 for me (after making use of my 2016/17 and 2017/18 allowance and transferring one old cash ISA). That, or I'll transfer it into a LISA.
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stevio
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Post by stevio on Feb 11, 2017 18:38:15 GMT
So are you pretty much tied in to the HTB ISA or can you transfer it to a different ISA? No, there's no tie in. It can be transferred to a different HTB ISA or a different type of ISA. At the moment it is forming a useful part of my cash emergency fund. It may well become IF ISA number 4 for me (after making use of my 2016/17 and 2017/18 allowance and transferring one old cash ISA). That, or I'll transfer it into a LISA. Out of interest what IFISA's? I believe the LISA will have a tie in
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mason
Member of DD Central
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Likes: 641
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Post by mason on Feb 11, 2017 19:55:58 GMT
Out of interest what IFISA's? I believe the LISA will have a tie in I've not yet opened an IF ISA. I am waiting to see if any platform I currently use will get an ISA launched before the end of this tax year. Ideally, I'd like to go from 0 to 4 IF ISAs between now and the end of April, but I expect it will take a little longer than that. Worst case, Abundance has a flexible IF ISA and I do have some interest in their offering. Back on LISAs, I fully expect them to be transferable, but not into ISAs of a different type because of the Government bonus.
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