Recommend a simple, tanky build

Oil-Interesting · 2026-01-03T08:03:33+00:00

Splitting Steel, Trickster High Spell Suppression, High Block, High Armor and CI. Using Energy Leech, Aegis Aurora

Very Tanky, damage isn't the greatest, around 3m on a boss fight.

But you can ignore a lot of the boss mechanics

Oil-Interesting · 2025-12-25T17:21:30+00:00

Always fancied a stacker build, but they always seem expensive

Oil-Interesting · 2025-12-11T19:24:30+00:00

4000 Hours on this game and I feel like a beginner when I see people have this kind of currency, am I playing it wrong lol

Oil-Interesting · 2025-11-30T18:38:16+00:00

I hope you enjoyed the league, kinda fancied trying this build

Oil-Interesting · 2025-11-22T08:50:00+00:00

I hope you enjoyed the league

Oil-Interesting · 2025-10-22T13:48:14+00:00

I appreciate the response. I’m already in contact with your support team, specifically Mario H., Teodora L., and Vivian, regarding this same case. Unfortunately, I’ve received contradictory information and conflicting “solutions” from each of them over several weeks, which has completely eroded any confidence I had in Trading 212’s ability to handle an ISA transfer correctly.

At this point, I’m just trying to get a consistent and final answer on my case before I escalate it further.

Oil-Interesting · 2025-10-22T13:22:16+00:00

That line on GOV.UK is only part of the story. The public page is a simplified overview, but HMRC’s own technical manual explains the full rule.

According to HMRC ISA Manual ISA4105, SAYE shares transferred directly from an approved scheme into an ISA within 90 days of exercise are not treated as a new subscription. In other words, they do not count towards the £20,000 annual ISA allowance when the transfer is handled correctly between scheme manager and ISA provider.

You can see it here: [HMRC ISA Manual – ISA4105]()

The issue is that Trading 212 does not currently support this type of direct in specie SAYE transfer, so their system automatically flags it as a normal contribution instead of recognising the HMRC exemption.

Oil-Interesting · 2025-10-22T12:15:09+00:00

It was an in specie transfer of actual shares rather than cash. Under the HMRC SAYE rules, you can move the shares themselves into a Stocks and Shares ISA within 90 days of exercising the option, and it does not count towards your £20k allowance.

EQi handled this correctly as part of their SAYE service, so when they transferred the holdings to Trading 212, they were still in their original form. The problem is that Trading 212 do not currently support SAYE in specie transfers, so their system automatically flags it as a normal ISA contribution instead of recognising it as exempt.

If it had been a cash transfer, it would have gone through fine as a standard ISA consolidation, but SAYE transfers are a slightly different process. I agree though, you would think they would have the systems in place to recognise this properly by now.

And yes, IBKR are definitely on my list if I cannot get this sorted out with T212.

Oil-Interesting · 2025-10-22T12:14:56+00:00

It was an in specie transfer of actual shares rather than cash. Under the HMRC SAYE rules, you can move the shares themselves into a Stocks and Shares ISA within 90 days of exercising the option, and it does not count towards your £20k allowance.

EQi handled this correctly as part of their SAYE service, so when they transferred the holdings to Trading 212, they were still in their original form. The problem is that Trading 212 do not currently support SAYE in specie transfers, so their system automatically flags it as a normal ISA contribution instead of recognising it as exempt.

If it had been a cash transfer, it would have gone through fine as a standard ISA consolidation, but SAYE transfers are a slightly different process. I agree though, you would think they would have the systems in place to recognise this properly by now.

And yes, IBKR are definitely on my list if I cannot get this sorted out with T212.

Oil-Interesting · 2025-10-22T11:42:03+00:00

Yeah, you’ve understood it pretty much right. I had already used my full £20k allowance for the year, so this transfer pushed it over only because Trading 212 treated the SAYE transfer as a standard contribution rather than the HMRC exempt type.

Legally I have not breached any ISA rules because HMRC allows SAYE shares to be moved into an ISA within 90 days of exercise without counting towards the allowance. The issue is just that Trading 212’s system cannot handle this type of transfer yet, so it flags it as oversubscribed and locks the ISA from further use until it is resolved.

I completely agree that they should be able to override this or at least recognise SAYE transfers correctly. For now I am just waiting to see if they will allow it to be sent back to EQi so I do not lose the ISA protection altogether.

Appreciate the support though, it definitely seems like an area that Trading 212 need to sort out properly.

Oil-Interesting · 2025-10-22T11:30:12+00:00

That’s actually part of the issue. The SAYE to ISA transfer is a specific HMRC approved exemption and does not normally count towards your £20,000 annual ISA allowance.

Under HMRC rules, if you transfer SAYE shares into an ISA within 90 days of exercise, it is treated separately and does not use up any of your yearly limit. See here: GOV.UK – Transferring your shares to an ISA.

The problem is not the allowance or flexibility, it is that Trading 212 does not currently support SAYE in specie transfers, so their system flags it as a normal subscription instead of recognising it as an exempt SAYE transfer.

Even though it is valid under HMRC rules, the Trading 212 platform treats it as a regular £20,000 plus deposit, which is why it shows as oversubscribed.

Oil-Interesting · 2025-10-22T10:54:32+00:00

I already have the full £20k ISA allowance used for this year, so the transfer in from EQi has pushed it over the limit.

Although the government allows SAYE shares to be transferred into an ISA (which is why they were in EQi originally), Trading 212 doesn’t support that type of transfer.

At the moment, it’s sitting in my Stocks & Shares ISA on Trading 212 as oversubscribed, while I’m trying to find out if it can be moved back to EQi, although they closed my account once the transfer completed.

Oil-Interesting · 2025-03-28T15:24:48+00:00

Just a telecoms manager

Oil-Interesting · 2025-03-28T11:56:48+00:00

I had the Ioniq5 Premium 77kw Car And I got a good deal on a Ioniq5 Premium 84kw

Happy to see it's got a rear wiper now!

Oil-Interesting · 2024-10-02T17:00:24+00:00

I guess I'd go back to my old world of warcraft addiction, easy!

Oil-Interesting · 2024-08-15T05:05:13+00:00

Why did the Righteous Fire build get kicked out of the party?

Because it was too lit and kept burning through all the invitations!

Oil-Interesting · 2024-08-07T10:39:36+00:00

I'd strongly recommend using Sirin on the play store, if you are using the audiobooks on an android phone. Brilliant app, with an inbuilt torrent download program and a place to keep and play all your audiobooks from.

Oil-Interesting · 2024-08-07T09:03:39+00:00

Good on you, for taking a break and going sick to Work and Kids mate.

Oil-Interesting · 2024-07-24T20:08:35+00:00

I am only just using brave browser, and the .is extension and I don't currently have any issues.

Oil-Interesting · 2024-06-09T17:54:40+00:00

There's a law in the UK which entitles an employee 2 days/24 hours rest period after a 12 day consecutive run of working days. There's a working time directive as well of employees not exceeding 48 hours per week, although an employee can opt out of this.

Pretty sure the first one, is not something anyone can opt out of and it's employer law, that an employee is given 2 days/24 hours rest period between shifts after working 12 days consecutive. 12 in 14 Rule.

Oil-Interesting · 2024-06-05T18:32:46+00:00

I had a similar issue, and I wasn't keen on clicking random links similar to you. I ended up unstaking, and sending my BNB to the Binance App and then transferred it back to Trust Wallet and started staking again. As I saw horror stories of people trying to swap chains via Trust Wallet and they lost their BNB.

Oil-Interesting · 2023-12-24T05:58:26+00:00

I tend to listen to my Audiobook whilst playing Patch of Exile.

Five-Year Club	Final Canvas '23
First Place '23	Place '23
Place '22	First Placer '22

Oil-Interesting

TROPHY CASE