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IG let me buy an ISA-ineligible stocks, now forcing it out - can i get my allowance back?

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ISAs

Is cutting the CASH ISA allowance to £12,000 actually going to get more Brits investing?

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ISAs

MAxed out my S&S ISA what now?

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QHypothetically - what happens if you deposit too much into an ISA

I recently moved my Cash ISA to Moneybox, I’d already added the £20k allowance via my previous provider and now Moneybox have a huge banner every time I open the app saying I’ve not deposited anything this tax year and I…

First reply Dip_Buyer_Dyl

HMRC would spot it after the tax year ends and have the excess (plus any interest on it) taken out of the ISA. That interest could then be taxable. For…

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ISAs Brad-the-Bear Regular · 4 days ago

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QHow much do you guys put in a month?

I always see posts of people maxing out their isa (20k a year UK) and I just feel I don’t put enough as all I can afford is 150 pound a month? What do you guys realistically put in?

First reply veteran

These subs typically attract people who earn much more than the average wage so don’t compare yourself. If you are doing something it is much better than nothing. It all…

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ISAs Mullen Regular · 4 weeks ago

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QCash Lifetime ISA or S&S Lifetime ISA

Hey everyone, I’m extremely new to this kinda thing at 22yo, so even with the wiki, I’m not 100% confident in everything that I’m reading. I’ve recently been looking at bringing my financial situation up to date, as, l…

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ISAs Admiral Regular · 1 month ago UNANSWERED

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QUsing Maintenance loan to invest in my ISA

20M going into the third and final year of uni, I never applied for a maintenance loan because I have a part-time job that covers expenses and I live at home. I was thinking, what if for the next academic year I apply fo…

First reply Jason

You need an emergency friend first. Aside from that it is not necessarily a bad idea.

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ISAs Hay_why Regular · 2 months ago

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QWhere do you guys put your money after you’ve maxed out your ISA?

For those who have already used up their ISA allowance, what’s your next move? Do you put extra money into a taxable investment account, pension/SIPP, premium bonds, property, savings accounts, or something else? Intere…

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ISAs kingpin_479 Contributor · 2 months ago UNANSWERED

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QThe overall ISA allowance is staying at £20,000 again

Does it ever go up, and should it be higher given inflation?

First reply AlphaTraderX

As someone just starting to build up meaningful savings, £20k sounds enormous to me right now and I doubt I’ll be maxing it out any time soon so the freeze…

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ISAs BullVision Regular · 3 months ago

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QStocks and Shares ISAs enable people residing in the United Kingdom to invest in a tax efficient manner with a certain limit per year. Is it possible to own cryptocurrencies directly in an ISA or not?

Stocks and Shares ISAs enable people residing in the United Kingdom to invest in a tax efficient manner with a certain limit per year. Is it possible to own cryptocurrencies directly in an ISA or not?

First reply CryptoNomad

The unfortunate news is that one cannot just put Bitcoin and Ethereum in their Stocks & Shares ISA and make it taxfree. As ISAs are for assets such as stocks,…

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ISAs CoinVoyager Regular · 3 months ago

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QCan you hold cryptocurrency directly within a Stocks and Shares ISA, and if not what are the alternative ways to gain crypto exposure?

You cannot hold actual Bitcoin or other cryptocurrencies directly in an ISA because crypto is not a qualifying investment under HMRC rules. However you can invest in crypto related exchange traded notes ETNs listed on a …

First reply kingpin_479

As of April 2026 the fintech platform stratiphy became one of the first providers to offer a practical solution for holding crypto ETNs within an Innovative finance ISA. Stratiphy partners…

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ISAs Classy Regular · 4 months ago

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QCan I trade as much as I want in my ISA?

I have maxed out my ISA this year but I want to trade oil due to the current situation in the middle east. Am i allowed to trade as much as i want within my ISA and the profits wont be taxed? Any insight on this situatio…

First reply system

You’ll be taxed if you use a standard investing account

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ISAs The Investors Centre TIC Team · 7 months ago

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