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Issue with ISA Allowance Discrepancy

Hello,

I have come across a concerning issue regarding my S&S ISA allowances with Vanguard and Trading 212. I have been using Vanguard as my main S&S ISA for many years, but for the 24/25 tax year, I decided to open a new T212 ISA and invested £5k into it. Additionally, I have been regularly contributing £1000 a month into my Vanguard account since April.

On both platforms, I have noticed that the ISA allowance amounts do not match up. Vanguard shows that I still have £17k remaining in my allowance, while Trading 212 displays that I have £15k remaining. This discrepancy is quite puzzling, as I would have expected the platforms to show the combined remaining allowance across all my ISA accounts, rather than separately for each platform. This confusion could potentially lead to accidentally overcontributing or underutilizing my ISA allowance.

How AI Legalese Decoder Can Help:

The AI Legalese Decoder can assist in deciphering and clarifying the complex legal language often found in financial agreements and terms of service documents. By utilizing this tool, investors can easily understand the terms and conditions related to their ISA accounts with Vanguard and Trading 212. This can help in identifying any discrepancies or inconsistencies in the ISA allowance calculations and provide guidance on how to best optimize their contributions within the legal boundaries.

Is anyone else experiencing a similar issue, or is this difference in ISA allowance calculations intentional?

Thank you in advance for any insights or assistance.

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