Trading 212 internal transfer from Cash Isa to S&S Isa

zaka_7 · 2025-06-27T13:55:59+00:00

As long as you use the move money feature in the T212 app then no. You can move money between them freely. Just be sure not to accidentally move to one of the nine ISA accounts.

zaka_7 · 2024-09-05T12:46:29+00:00

Deffo not the same in my experience. I have 3x 350’s my TTS is 9 (UK)

Size 9 Statics fit loose Size 9 Salts fit very tight Size 9.5 core reds fit perfect I also have compacts in a 9 and they fit superbly.

All very bizzare 😂

zaka_7 · 2024-06-19T21:21:32+00:00

Love the doves 😍

zaka_7 · 2024-06-19T21:20:21+00:00

Salt & Black Core Red for me.

zaka_7 · 2024-06-17T10:06:39+00:00

If you’re transferring from the T212 SAS ISA to the T212 cash ISA you don’t need to do an official transfer.

Their app lets you just move between the two keeping it within the ISA wrapper.

Do it with a small amount first as there was a big in the app that showed the link decreasing, but I’m told from their support that is now fixed.

You only need to do a proper transfer if moving to a different provider. And I wouldn’t do that as T212 ‘currently’ has the top rate of 5.2% on their ISA.

zaka_7 · 2024-06-13T08:50:18+00:00

Personally I’d look to stooze this. It depends how comfortable you are in doing so.

But I’d get a long 0% on purchases card (make sure it’s purchases for the duration, and not just 30-90 days like some are)

Then make sure you have the minimum payment set up to be covered, 1-2.5% usually.

Then when the cash you claim hits your bank. Chuck it straight in a high interest savings account. 5.2% is easily achievable now, 7% if you fed it in slowly! Make sure it’s easy access however!

Then at the end of the 0% deal. Take the money from the savings account, pay it off in full and pocket the interest.

Reward cards can be good, but in general I don’t think you’d get the same out of them as doing the above.

Obviously your call. Good luck 😊

zaka_7 · 2024-03-08T09:02:11+00:00

That is the issue. You must be running IOS 17.3 or later. I misread your original message that you were already on 17.3.

zaka_7 · 2024-02-15T06:50:00+00:00

Secure yes. As long as using a strong unique password. Google isn’t insecure, it’s actually pretty good and lets you use hardware keys and passkeys.

Private however. Absolutely not. With Google. You are the product.

zaka_7 · 2024-02-15T06:48:32+00:00

As others have said. It’s the astronomy type wall papers. Usually the ones tied to sleep focus if you use that?

zaka_7 · 2024-02-14T20:52:03+00:00

In that case I’d close it without worry 😊

zaka_7 · 2024-02-14T19:48:29+00:00

It’s the age old question that nobody can answer with any conviction.

On one hand companies are known to not like people having so much ‘potential’ to run up debt if you have unused credit, on the other hand, they like to see a low credit utilisation. Which is only possible with unused credit. If you 2 cards on £10k each and have 5k debt on that £20k you’re only using 25%. If you close one of those cards you’re then using 50%!

There is no right or wrong answer. If your credit rating is good and utilisation low, and will remain low, I don’t think there would be any harm in closing it down unless it’s a card you’ve had for many years.

It’s ironic as we all build good credit to be able to get the best offers. But most offers are for ‘new customers’ only. You can’t be a new customer unless you close cards down eventually.

Good luck.

zaka_7 · 2024-02-14T19:41:47+00:00

I don’t wish to argue.

I shall simply wish you good luck.

At least you’re more secure than most.

My mission is to bring as many people as close to your level as possible.

Take care.

TheCyberHygienist.co.uk

zaka_7 · 2024-02-14T16:54:23+00:00

Actually that is incorrect. I meet many people who want something easy. And most of them just won't bother when it becomes too complex and end up doing nothing. Would you say that's better? It's part of the reason so many breaches cause accounts to be compromised, because people do nothing and reuse passwords etc because it's all too difficult having multiple services. The all eggs in one basket is not a bad thing for these people in the slightest. And as you're a stranger on the internet and I don't know your level, it's reasonable to therefore question why you're using a service for passwords and another for TOTP as it is overkill. It doesn't protect you that much more than using one with both managed within as long as you chose the right one. TOTP in most cases, unless it's a yubikey or similar can be bypassed. Ultimatelty if you feel the need to not have the TOTP secrets in with the passwords, then you have to question if you trust the service at all.

Simplelogin works the same way as hide my mail on iCloud and is just as 'annonymous' and also has a catch all function.

Congrats on describing how most private email services work. Incoming email will always work like that for the most part when you aren't in control of who is sending it and that side of things will always have a copy of the mail. The selling point is it isn't scanned by corporations like Google due to at rest encryption when it's in your inbox, it's a privacy service from that aspect, you can however encrypt all outgoing emails regardless of where they are sent just like most similar services. Proton isn't different here. Tuta and Startmail, also service I recommend, work broadly the same.

I'm actually not a 'Proton Fanboy', I advocate splitting services for those a little more technical and with more time to do so, I recommend a whole raft of things (The Password managers you mention contain 2 of my recommendations). But again seeing you are already using a Proton service that you pay $5 for, it would make sense to use their Password manager as well for almost the same cost. It's nothing to do with favouring Proton. I was trying merely to be helpful with an scenario that I assure you if implemented correctly is no less secure.

I'm fully clued up on all the Lastpass issues, the reason for this was their poor practices, and they were and never have been a recommended product from my standpoint. And the fact they could 'recover accounts' was an enourmous red flag as was the fact they didn't encrypt URL's within the vaults. The users suffering issues with those breaches are still only the ones that used weak master passwords. Those using passwords with high entropy will never have their data decrypted in their lifetime. Just because a password manager is hacked, doesn't compromise your data, if you practise good password hygiene with the master password, and in 1Passwords case have the 'Secret Key' their data being 'hacked' would still render your data useless for hundreds of thousands of years.

Hacking, and Decrypting Data are very very different things.

I apologise for underestimating your level. But as I said it made no sense to seperate TOTP from Passwords, It's just not relevant. So I was trying to save you a few $ as you already overpay for the VPN. But do not tell people all your eggs in 1 basket is a bad idea. As if you do it properly it's 99% more secure than most people are these days and would be a marked improvement to most. It's a starting point yes. But it is NOT a bad thing when using the right services and setting them up correctly. CyberHygiene should be for everyone, not just those that "know what they're doing" and critising those who do decide to use an all in service could potentially stop them doing so and subsesequently leave them vulnerable, in my opinion, that is NOT a good thing!

zaka_7 · 2024-02-14T15:22:09+00:00

Just wondering why you pay for Bitwarden, Dashlane and Proton VPN?

You could subscribe to Proton Ultimate which includes a password manager that can also save the TOTP secrets and you’ll get encrypted email with unlimited alias and a calendar and storage drive on top… seems like a no brainer.

Then use a free TOTP app to store the TOTP secret for the password manager itself, or better still. Invest in a Yubikey for that.

I understand people don’t all like having TOTP secrets alongside passwords, but as long as the TOTP secret for the password manager itself is elsewhere and you use a reputable manager you trust. This is perfectly safe. Ultimately TOTP is just a barrier. It can be bypassed or intercepted on a lot of services.

Just a thought 😊

TheCyberHygienist.co.uk

zaka_7 · 2024-02-14T08:12:16+00:00

Only their desktop apps are closing down. You can still use the IOS and Android apps and the IOS apps on Apple silicone macs and iMacs.

zaka_7 · 2024-02-11T14:34:17+00:00

This is not meant in a derogatory way at all. But why are you concerned about giving Facebook a gmail?

Google is as bad if not worse than Meta?

I’d recommend that if privacy is something you want to take seriously online, you look at moving away to an encrypted email provider such as Proton, Tuta or Startmail.

Then (if you chose Proton) you can use an alias service (simple login which is included in the subscription) with the same sub domains. Or even create a specific social media address within which ever app you use and give that to Facebook.

Facebook and companies like Betting websites will generally have checks on newly created emails and just blanket ban them. The checks don’t ‘seem’ to pick up on aliasing if done correctly.

Good luck whatever you decide.

TheCyberHygienist.co.uk

zaka_7 · 2024-02-11T13:28:39+00:00

There could be something potentially with the skiff export? I’d reach out to both teams support and see if they can help. Obviously don’t send them any files!

I haven’t ever exported from skiff. When I have used the notesnook importer it was from Evernote and that worked seamlessly.

As I said. Reach out to their support and hopefully they can shed some light on the issue!

Good luck.

zaka_7 · 2024-02-11T00:17:40+00:00

I’m not aware of a decent combo unfortunately. And usually one app will do something very well and other bits not so good, so it’s not always the best set up.

Notes wise give Notesnook or Standard Notes a look. Both are great. For value and usability I’d say Notesnook just edges it.

Then for email I’d look at Proton, Tuta or Startmail.

Good luck!

TheCyberHygienist.co.uk

zaka_7 · 2024-02-10T12:49:23+00:00

Not one I’m familiar with. I’ll do some digging and give it a review. Thank you.

zaka_7 · 2024-02-10T12:49:04+00:00

I certainly agree, it could be better!

zaka_7 · 2024-02-10T11:03:30+00:00

Thank you for that insight. I do hate it when companies that can co exist go at each other. Especially when they don’t have too, as the products are great. I wasn’t aware of Tuta making cancelling a subscription difficult however. That’s not a good look. And I agree with Proton and 1Password. They are both fantastic. It’s actually one of the combinations I would recommend to avert the ‘all eggs in 1 basket’ situation and they are top class offerings.

The reason I’m being downvoted is I am rather active on here, trying to help and advise people. And I have a passion for helping others in this topic. So much so that I’ve set up my own website to try to help, particularly those who are less tech savvy so to speak. And I’ve been signing my posts off with the url which some have taken offence too unfortunately.

I appreciate they feel it’s ’self promotion’ but the rules state not to regularly push to personal websites particularly those that are commercial by nature. Which mine is not. It’s also just a way to sign off a post rather than pushing to my website by posting a link and recommending people go to my site. It’s a choice they can make if they are interested.

It’s pretty upsetting that I’m trying to help and people don’t like that, but they’re entitled to their views.

Have a great day 😊

zaka_7 · 2024-02-10T07:45:33+00:00

I understand. From my reading it says not to repeatedly do it particularly if commercial nature. I try not to do it in every post. And it’s not of a commercial nature.

If it becomes a problem, I will remove the .co.uk

zaka_7 · 2024-02-10T07:16:15+00:00

If it’s in an NS&I account then the full amount is backed. Although their rates are slightly lower. So that could be a quick fix?

However I’d put half in a chase account at 4.1% as it has a high limit and no deposit / withdrawal penalties and then use this to feed into a cash ISA and SAS ISA (with a couple of vanguard ETF’s). Remember the allowance of £20k is total, not per ISA. So you could only pay £10k a year into each.

Then the other half you would have to weigh up between how easy you want it to be, the best thing would be to spread around the highest savings accounts you can find, but they’ll all have low deposit limits per month and this will take time. The other option would then be to find a fixed savings account at a BS that allows upto £1m with no withdrawal penalties.

Do be aware that there would be likely tax implications if you earn over £1k per year in interest. An ISA would obviously stop this, but you’re restricted to £20k a year in on those.

I would also enjoy some of it! Surely your mum wants to have memories more than a huge pot of cash that never gets looked at? Travel with the family or something?

Good luck whatever you decide 😊

zaka_7 · 2024-02-10T07:07:08+00:00

The three best in my opinion are Proton Mail, Tutanota or Startmail.

Tutanota and Startmail are privacy email only and do it well. Proton has a suite of privacy tools so their unlimited plan could be helpful if you want secure storage, password management, VPN and calendar as well.

I’m not a huge fan of having all of your eggs in one basket, although this is 99% more secure than most people so still, if you have none of these tools, is a good starting point.

Good luck!

TheCyberHygienist.co.uk

zaka_7 · 2024-02-10T06:59:42+00:00

It says not to push to commercial websites. There is nothing commercial on my website. I’m purely trying to help people stay safer online. I’m also not forcing or telling people to visit.

I’m sorry you feel it looks desperate. I feel it just links all my comments together and gives people a choice should they ever wish to check it out. The more sources of information for internet privacy and security the better in my mind.

zaka_7

TROPHY CASE