ISA & GIA
20 Support topics
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Which banks are my Cash ISA funds held with and are they FSCS protected?
If you hold a Moneybox Cash ISA or an Open Access Cash ISA, your money is deposited with a…
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When are investment gains added to my account balance?
It’s important to know that the main part of any investment gain or loss comes from the change in…
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How can I pay into an ISA, LISA, JISA or Pension before the end of the tax year?
The end of the 25/26 tax year is fast approaching – if you’re looking to open an ISA, LISA,…
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What happens to my ISA/LISA when the new tax year begins?
Moneybox ISAs and LISAs are continuous, so you don’t have to open a new one with us each tax…
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What should I do if I think I’ve exceeded my ISA/LISA allowance?
The Moneybox app automatically pauses further payments for the tax year once you reach your annual allowance with us….
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Can I open a Cash ISA if I’m not a UK tax resident?
To open an ISA with Moneybox, you must meet the following criteria: You are a UK tax resident You…
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Is my Stocks & Shares ISA covered by the Financial Services Compensation Scheme (FSCS)?
With our Stocks & Shares ISA, you can invest in a broad range of tracker (mutual) funds, exchange traded…
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How can I withdraw from my Stocks & Shares ISA or General Investment Account (GIA)?
You can withdraw from a Stocks & Shares ISA and General Investment Account (GIA) free of charge, any time,…
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What is the Stocks & Shares ISA and how does it work?
A Stocks & Shares ISA is a type of Individual Savings Account (ISA) which allows you to invest your…
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Can I open more than one ISA of the same type with Moneybox?
You can pay into more than one ISA of the same type in a single tax year. At Moneybox,…
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What is an Individual Savings Account (ISA)?
ISA stands for Individual Savings Account, and is a government scheme allowing individuals to hold cash, shares, and unit…
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Can I move money between my Moneybox ISAs?
You can move money between a Moneybox Cash ISA or Open Access Cash ISA and Stocks & Shares ISA…
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Withdrawing from a Cash ISA or Open Access Cash ISA
You can request a withdrawal from your Cash ISA/Open Access Cash ISA at any time in Settings > Withdraw….
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Can I transfer an ISA from a previous tax year into my Cash ISA?
Yes! Transferring in an ISA held elsewhere into your Cash ISA or Open Access Cash ISA does not impact…
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Can I deposit a lump sum into my Cash ISA?
Yes! You don’t need to make recurring payments into your Cash ISA or Open Access Cash ISA – you…
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How does the Cash ISA and Open Access Cash ISA interest rate work?
Interest for both our Cash ISA and Open Access Cash ISA is calculated on a daily basis and paid…
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What are the rules around ISA allowances?
HMRC rules state that you’re able to open and deposit into more than one ISA in the same tax…
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What is the Cash ISA and how does it work?
A Cash ISA is a type of Individual Savings Account (ISA), into which you can deposit money and earn…
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What is the difference between a Stocks & Shares ISA and a Cash ISA?
Our Stocks & Shares ISA allows you to invest your money in a range of tracker (mutual) funds, ETFs,…
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What is a General Investment Account (GIA) and how does it work?
A General Investment Account allows you to invest outside of tax wrappers such as Personal Pensions and Stocks &…
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It's important you know
Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.
A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.
For Business Saver: T&Cs apply. Max one withdrawal per day.