ºß¸Ë¡¿³ôs and ³ô Isa °Üž and cashback ¼è°ú¡¤¶¨Äês you can still get
- Fidelity is running a cashback ¼è°ú¡¤¶¨Äê of up to ¡ò2,000 for Åê»ñ²Ès who °Üž
- Freetrade is also running a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¿½¤·¹þ¤à¡¿¿½¤·½Ð ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò2,100?
- These ¿½¤·¹þ¤à¡¿¿½¤·½Ðs end on 5 April, so Åê»ñ²Ès have just days to get the ¼è°ú¡¤¶¨Äês
À½ÉÊs featured in this article are ÆÈΩ¤·¤Æ selected by This is Money's specialist ¿·Ê¹µ¼Ô¡¿»¨»ïµ¼Ôs. If you open an account using links which have an asterisk, This is Money will earn an (v)Äó·È¤µ¤»¤ë(n)»ÙÉô¡¤²ÃÆþ¼Ô ¡ÊÇäÇã¡Ë¼ê¿ôÎÁ¡¤°ÑÂ÷¡Ê¤¹¤ë¡Ë¡¿°Ñ°÷²ñ¡¿¸¢¸Â. We do not µö¤¹ this to ±Æ¶Á¤¹¤ë¡¿´¶¾ð our ÊÔ½¸¡Ê¼Ô¡Ë¤Î independence
Åê»ñ²Ès could get a ¾å¤²¤ë of up to ¡ò2,000 for transferring a big Isa ¥Þ¥ê¥Õ¥¡¥Ê before the end of the ÀǶâ year, while others can Áª¤Ö up ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô for ³«»Ï accounts.
Fidelity is running an Isa °Üž cashback ¤ò¼è¤ê°ú¤¤¹¤ë between ¡ò200 and ¡ò2,000 for Åê»ñ²Ès who °Üž an Isa, ǯ¶â or Åê»ñ account to its ÃÅ¡¦¹ËÎΡ¦¸øÌó before 1 April 2024.
Ëǰסʤ¹¤ë¡Ëing 212 has a special ¿½¤·¹þ¤à¡¿¿½¤·½Ð for This is Money readers?who can get a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¤ï¤º¤«¤Î ³ô ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò100 after Ä´°õ up and depositing as little as ¡ò1.
°ìÊý¡¿¹ç´Ö, Freetrade is also running a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¿½¤·¹þ¤à¡¿¿½¤·½Ð for Åê»ñ²Ès who °Üž an Isa or Sipp to the ÃÅ¡¦¹ËÎΡ¦¸øÌó. Åê»ñ²Ès could get up to ¡ò2,100 with the ¼è°ú¡¤¶¨Äê.?
¶¥ÁèÁê¼ê µðÂç¡Ê¤Ê¡Ës Hargreaves Lansdown and Interactive Åê»ñ²È both ran bumper cashback ¼è°ú¡¤¶¨Äês earlier this year, ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò5,000, but these have now ended.?
°Üž ¾å¤²¤ë: Åê»ñ²Ès could give their Isas a ¾å¤²¤ë of up to ¡ò2,100 for transferring to providers Freetrade or Fidelity
?How much cashback can you get with Fidelity's ¼è°ú¡¤¶¨Äê
Fidelity is ¿½¤·¹þ¤à¡¿¿½¤·½Ðing a cashback ¼è°ú¡¤¶¨Äê to Åê»ñ²Ès that's best for those moving big ¥Þ¥ê¥Õ¥¡¥Ês but it ends soon. Its Isa has a 0.35 per cent ǯ¼¡¤Î ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â, with ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ´ð¶â ¼è°ú¡¤¶¨Äêing and ³ô ¼è°ú¡¤¶¨Äêing at ¡ò7.50.
Åê»ñ²Ès transferring an Isa ²ÁÃ͡ʤ¬¤¢¤ë¡Ë between ¡ò25,000 to ¡ò49,999 could receive ¡ò200 in cashback, while those transferring Isas ²ÁÃ͡ʤ¬¤¢¤ë¡Ë ¡ò50,000 to ¡ò99,999 will receive ¡ò500. Åê»ñ²Ès transferring ¡ò100,000 to ¡ò249,999 will receive ¡ò1,000 in cashback.
If you °Üž an Isa ²ÁÃ͡ʤ¬¤¢¤ë¡Ë ¡ò250,000 to ¡ò749,999 you will receive ¡ò1,250 in cashback and those transferring ¡ò750,000 to ¡ò999,999 will receive ¡ò1,500 in cashback.?
°Üžs of ¡ò1million and over will receive the ºÇÂç¸Â cashback of ¡ò2,000.
The cash will be paid ľÀÜ¡¿¤Þ¤Ã¤¹¤°¤Ë into your Fidelity cash ´ÉÍý¡¿·Ð±Ä account within 90 days of the ¿½¤·¹þ¤à¡¿¿½¤·½Ð ending on 1 April 2024.
If your Isa °Üž hasn¡Çt been ´°Á´¤Ë¤¹¤ëd by then, Fidelity will »Ùʧ¤¦¡¿Ä¶â the cashb ack within 90 days after the ´°À® of your last Ŭ³Ê¤Î °Üž.?
°Üž value | Cashback ÎÌ |
---|---|
¡ò25,000 - ¡ò49,999 | ¡ò200 |
¡ò50,000 - ¡ò99,999? | ¡ò500? |
¡ò100,000 - ¡ò249,999? | ¡ò1,000? |
¡ò250,000 - ¡ò749,999? | ¡ò1,250? |
¡ò750,000 - ¡ò999,999? | ¡ò1,500? |
¡ò1million+? | ¡ò2,000? |
Ëǰסʤ¹¤ë¡Ëing 212's ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¤ï¤º¤«¤Î ³ô and 1% cashback
Ëǰסʤ¹¤ë¡Ëing 212 ¿½¤·¹þ¤à¡¿¿½¤·½Ðs Åê»ñ²Ès a ºß¸Ë¡¿³ôs and ³ô Isa with no account »ý¤Ä¡¿¹´Î±¤¹¤ëing ÎÁ¶â and no ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â to buy or sell ºß¸Ë¡¿³ôs.
Ëǰסʤ¹¤ë¡Ëing 212¡Çs special Isa ¿½¤·¹þ¤à¡¿¿½¤·½Ð gives Åê»ñ²Ès 1 per cent cash »Ù±ç¤¹¤ë on all their deposits for the next ÀǶâ year. This is ²ÁÃ͡ʤ¬¤¢¤ë¡Ë a ºÇÂç¸Â ¡ò200 on a ½½Ê¬¤Ê ¡ò20,000 Isa allowance.
This is Money readers who open an Isa can also Íø±× from a special TiM ÇÓ½üŪ Ëǰסʤ¹¤ë¡Ëing 212 ¼è°ú¡¤¶¨Äê where they will receive a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¤ï¤º¤«¤Î ³ô ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò100.
The Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó »Ùʧ¤¦¡¿Ä¶âs ¸ÜµÒs 5.2 per cent Íø±×¡¿¶½Ì£ on uninvested cash.?
Freetrade's ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¼è°ú¡¤¶¨Äê
Åê»ñ²Ès can earn up to ¡ò2,100 in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô from Åê»ñ app Freetrade* for transferring an Isa or Sipp to the ÃÅ¡¦¹ËÎΡ¦¸øÌó before 5 April.?
The ÎÌ they will get in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô depends on the ÎÌ they °Üž into a Freetrade Isa or Sipp.
The value starts at ¡ò100 in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô for a ¡ò10,000 °Üž, and goes up to ¡ò2,100 in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô for a °Üž of ¡ò500,000 or more.
Åê»ñ²Ès need to deposit at least ¡ò10,000 into a Freetrade Isa or Sipp to get the ¿½¤·¹þ¤à¡¿¿½¤·½Ð.
The way it ºîÉÊ is that Freetrade will give Åê»ñ²Ès a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô, or ³ô, ²ÁÃ͡ʤ¬¤¢¤ë¡Ë the value of the award. These are »Ï¤á¤ë¡¤·è¤á¤ë out in the ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ë below.
´ð¶âing ÎÌ | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô value |
---|---|
¡ò10,000-¡ò19,999 | ¡ò100 |
¡ò20,000-¡ò39,999? | ¡ò200? |
¡ò40,000-¡ò79,999? | ¡ò400? |
¡ò80,000-¡ò159,999? | ¡ò800? |
¡ò160,000-¡ò249,999? | ¡ò1,200? |
¡ò250,000-¡ò499,999? | ¡ò1,800? |
¡ò500,000+? | ¡ò2,100? |
The ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô will be put in a ¸ÜµÒ's general Åê»ñ account rather than Isa or Sipp, as there are À©¸Âs around crediting money or ³ô to ÀǶâ wrappers.
¸ÜµÒs can sell the ³ô ¤¹¤°¤Ë and move the cash into their I sa or Sipp if they choose to.
New ¸ÜµÒs will need to download Freetrade's app and open either an Isa or Sipp account with an ǯ¼¡¤Î ´ð½à or ²Ã¤¨¤ë subscription before they can get the ¿½¤·¹þ¤à¡¿¿½¤·½Ð.?
Åê»ñ²Ès then need to ºÇ¹â¤Î¡¤¤ò±Û¤¹ up their account or start a °Üž for at least ¡ò10,000 into their Freetrade Isa or or Sipp on or before 5 April 2024.
If you make űÂàs or °Üžs out that ¸¶°ø¡Ê¤È¤Ê¤ë¡Ë the value of your Isa or Sipp °Üž to Íî¤Á¤ë before Freetrade awards the ³ô, the value of your ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô will be ±Æ¶Á¤¹¤ë¡¿´¶¾ðd. If it Íî¤Á¤ës below ¡ò10,000, you will not receive a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô.
The ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô will land into your general Åê»ñ account within 90 days.
Is it ²ÁÃ͡ʤ¬¤¢¤ë¡Ë transferring for a cashback ¼è°ú¡¤¶¨Äê?
As with any big ·èÄ꡿ȽÄ꾡¤Á¡Ê¤¹¤ë¡Ë like transferring an Isa or ǯ¶â, it is ·èÄêŪ¤Ê to do your ͽÄê diligence.
Keep ½Ð¸ý ÎÁ¶âs in mind. Your ¸½ºß¤Î ǯ¶â provider may ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â you ½Ð¸ý ÎÁ¶âs if you look to leave or °Üž your ¸½ºß¤Î ǯ¶â. Fidelity will cover up to ¡ò500 if your ¸½ºß¤Î provider ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ½Ð¸ý ÎÁ¶âs.?
Fidelity does not ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â a °Üž ÎÁ¶â if you decide to °Üž to another provider after transferring to Fidelity, neither does Freetrade.?
There is a caveat with Fidelity's ¼è°ú¡¤¶¨Äê. If you don¡Çt keep your Åê»ñs in a Fidelity Isa for 18 months after you °Üž them and jump ship to another provider, any cashback paid may be ¼è¤ê¾Ã¤¹d.?
Do also think about ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs when it comes to your Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó.?
Fidelity ³ô ¼è°ú¡¤¶¨Äêing has a flat ¡ò7.50 ÎÁ¶â and this ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â also ŬÍѤ¹¤ës to Åê»ñ ¿®ÍÑs and ETFs. There are no ´ð¶â ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs for buying and selling.
»ý¤Ä¡¿¹´Î±¤¹¤ëing Åê»ñ ´ð¶âs comes with a 0.35 per cent ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â up to ¡ò250,000 and 0.20 per cent above that, Íî¤Á¤ëing to 0 per cent above ¡ò1million.
However, if you are Åê»ñ¤¹¤ëing small ÎÌs the ÈóÆñ¤¹¤ë structure is ¤ï¤º¤«¤Ë different.
Fidelity ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ¡ò7.50 per month (¡ò90 a year) for Âç¿Ã¤ÎÃÏ°Ìs up to ¡ò25,000, or the 0.35 per cent Ψ ŬÍѤ¹¤ës if you have a Àµµ¬¤Î¡¿ÀµÁª¼ê Ãù¶â ·×²è¡¿±¢ËÅ »Ï¤á¤ë¡¤·è¤á¤ë up.
Freetrade has ÎÁ¶â-²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¼è°ú¡¤¶¨Äêing and ¿½¤·¹þ¤à¡¿¿½¤·½Ðs a wide ÈÏ°Ï of UK and US ³ô. It has some ETFs and some Åê»ñ ¿®ÍÑs, but nowhere ¶á¤Å¤¯ the ÈÏ°Ï of the bigger ÃÅ¡¦¹ËÎΡ¦¸øÌós.
Freetrade's Basic ·×²è¡Ê¤¹¤ë¡Ë for a general Åê»ñ account has no ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs, while its ´ð½à ·×²è¡Ê¤¹¤ë¡Ë for those who want an Isa and ½½Ê¬¤Ê ÈÏ°Ï of ºß¸Ë¡¿³ôs has a ¡ò4.99 per month ÎÁ¶â and its ²Ã¤¨¤ë account is ¡ò9.99 per month, which Åê»ñ²Ès need if they want a Sipp.
Some ºß¸Ë¡¿³ôs, ´Þ¤àing many smaller companies, are only ÍøÍѤǤ¤ë on Freetrade ´ð½à and above ·×²è¡Ê¤¹¤ë¡Ës.
The ´ð½à ·×²è¡Ê¤¹¤ë¡Ë gets ¸ÜµÒs 1 per cent Íø±×¡¿¶½Ì£ on up to ¡ò2,000 of cash while the ²Ã¤¨¤ë ·×²è¡Ê¤¹¤ë¡Ë gets them up to 5 per cent Íø±×¡¿¶½Ì£ on up to ¡ò4,000. A foreign ÄÌ²ß ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â of 0.45 per cent ŬÍѤ¹¤ës for overseas ºß¸Ë¡¿³ôs.
ǯ¼¡¤Î ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs are capped at ¡ò45 for »ý¤Ä¡¿¹´Î±¤¹¤ëing ³ô, ¿®ÍÑs and ETFs.
Ëǰסʤ¹¤ë¡Ëing 212 has no account ÎÁ¶âs and no ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs to buy and sell but while deposits ·Ðͳ¤Ç bank °Üž are ²òÊü¤¹¤ë¡¿¼«Í³¤Ê, those ·Ðͳ¤Ç cards, Google »Ùʧ¤¦¡¿Ä¶â, Apple »Ùʧ¤¦¡¿Ä¶â & other Îà»÷¤Î methods carry a 0.7 per cent ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â abov e ¡ò2,000.
ÂѤ¨¤ë in mind that it could ¡ÊÌäÂê¤ò¡Ë¼è¤ê¾å¤²¤ë to two months for the Isa °Üž from your ¸½ºß¤Î provider to ´°Á´¤Ë¤¹¤ë.?
Once the °Üž has begun, you won't be able to switch, ºÇ¹â¤Î¡¤¤ò±Û¤¹ up, or sell the Åê»ñs you¡Çre moving until the ²áÄø is ´°Á´¤Ë¤¹¤ë.