ISA setup, maturities and money origins
Add existing or new ISAs through one shared Assets and ISA Manager panel, track current-year headroom, review original years, complete history gaps, consolidate into cash or stocks and shares ISAs, and confirm receipts.
Start with your accounts
Choose Add ISA in ISA Manager, or select ISA while adding a cash or stocks and shares asset. These open the same panel with the same individual holder. Manual ISA portfolio creation from Holdings also uses this flow.
The Provider field uses the same default institution list as Assets. Click to browse, type to filter and select a provider, or type a custom name if it is not listed. This shared control applies to both Cash and Stocks & shares ISAs, including receiving accounts created during a transfer.
- An ISA I already hold: enter its current value and observation date. Add each original allowance year and, if known, its original contribution. Current value includes growth; original amounts exclude growth, even when there is only one year. Neither field is a new deposit.
- A new ISA with its first contribution: enter the first payment actually made and its date. The date determines the tax year. For several payments or accumulated growth, use existing-account setup instead.
- No money added yet: the account starts at zero without using allowance.
- Receiving a transfer: create the zero-funded destination, then select source accounts. No money moves in Fieldwell until receipt is confirmed.
If you do not know the original years or amounts, mark them unknown. The account can be recorded without inventing its growth or claiming unused allowance. Use Complete history or Fill account gap to supply unresolved history later. This updates provenance without crediting the account value again.
Keep original amounts accurate
When some of a year's allowance is already recorded elsewhere, say whether the new entry is separate original money or the same money transferred. Do not reduce a correct original figure just to make it fit the remaining allowance.
For overlapping history, match the source account and original-year record. Enter the original principal represented, its provider-supported transferred value, and the evidence reference. Several years and source accounts can be reconciled together. Review each source balance before and after, and the receiving account value. Matched contributions are not added to allowance again.
If evidence is incomplete or figures exceed the recorded limit, Save draft. A draft creates no asset, contribution, gain or transfer. Resume it in Accounts & deals. Discarding a draft never deletes an existing account.
Estimated growth appears only when original amounts are complete, overlaps and excesses are resolved, and you confirm that withdrawals or paid-out income do not invalidate the comparison. Allocations across multiple years are estimates, not measured per-year or annualised investment returns.
Use AI as a reviewed starting point
The standard AI panel accepts supported PDFs, images, CSV and Excel statements. For workbooks, select the intended visible worksheet. Documents are sent to Perplexity for extraction, not saved to your document library.
Choose a current account from the extracted suggestions. Missing and uncertain facts remain unknown; questions highlight gaps or ambiguous transfer chains. Opening and maturity dates do not prove original allowance years. Your typed entries are kept, and the owner and funding route require your review.
The existing portfolio importer still handles holdings and cash. New ISA portfolio imports continue with history setup for that same account; no second portfolio is created and the statement balance is not added twice.
Track this year's allowance
The Allowances tab shows recorded usage and headroom per holder. Missing original history stays visible. Once records cover all providers, you may confirm completeness; this is your attestation, not verification by HMRC or the providers. Check for subsequent unrecorded contributions before paying in.
Rules are stored by year. Historical overall limits from 2015-16 onward use HMRC's allowance tables. Earlier years and specialist restrictions need separate review.
Plan consolidation
The same three header actions appear on every ISA Manager tab, in the same order: Move / consolidate, Record contribution, and Add ISA. They keep the same layout when switching tabs, including on mobile. These household-wide entry points do not change with the page's holder or year filters; choose the relevant accounts in the panel.
Choose Move / consolidate. Pick an existing receiving cash ISA or S&S portfolio, or create either type from the panel. Select one or several eligible cash ISAs for the same individual. A pending plan leaves balances and original history in the sources; an existing destination keeps its existing value.
When each full receipt arrives, choose Confirm receipt. Enter only interest not already included in the source value (zero if already included), the date and provider reference. Review and confirm. The source is reduced once, original years follow the funds, and no new allowance is used. Receipts from a consolidation can be confirmed on different dates.
If no eligible cash ISA has a positive balance, or all eligible sources are already involved in pending transfers, the action stays visible but disabled. The explanation below the buttons tells you what needs attention. A receiving account does not need to exist yet because you can create it in the panel.
If a contribution is unavailable
If no account can receive a contribution, Record contribution stays visible but disabled, with an explanation below the buttons. Review the accounts, current-year original-history gaps, or allowance rules as indicated. When at least one account is eligible, open the panel to see receiving accounts and any accounts needing attention. Each unavailable account explains what must be corrected, such as an unassigned household holder, a connected balance, or incomplete original history. Assign an individual owner in Assets; ownership must refer to a person in the current household.
Do not record a new contribution merely to reconstruct older subscriptions. That would add cash to the current account value again. Historical allowance records require reconciliation against provider evidence.
Choose Mark matured from an eligible Cash ISA's Actions menu in Assets, or Manage maturity in ISA Manager. Both entry points open the same review panel. Recording from Assets leaves you in Assets.
Record a completed maturity
Check the current recorded value. Enter only final interest that is not already included in that value; enter zero when the value already includes it. Supply the provider completion date and a statement or provider reference.
Choose Renew to retain the account with a new rate and maturity date. Choose Transfer to allocate the full proceeds to one eligible account. More options contains the split between two accounts. Review and confirm that the provider has completed the transaction before saving. Fieldwell records your evidence; it does not instruct providers or move money.
Use the receiving provider's official ISA transfer process rather than treating an ordinary withdrawal and deposit as a transfer. See the government's ISA transfer guidance.
Receive money in a stocks and shares ISA
Select an existing eligible portfolio for the same holder and wrapper. If it does not yet exist, create it from the maturity panel without abandoning the draft. The new destination begins with zero cash and no subscription.
The AI document option can suggest the portfolio name and provider for review. It cannot change the locked holder or wrapper, and does not import balances or holdings in this context. Missing details must be entered before creation.
When a holdings-based portfolio receives a transfer, the receipt becomes uninvested cash. A manually valued whole portfolio instead receives one increase to its total; its prior cash/holdings split is not inferred. Neither path purchases investments. Cancelling the maturity after creating a portfolio leaves that empty portfolio available but does not move money.
Understand allowance and history
Explicit new subscriptions consume recorded allowance. Transfers, renewals and interest do not appear as new subscriptions. Annual rules are stored by tax year; the page does not assume that one year's limits apply indefinitely.
Headroom is based on recorded subscriptions only. Until complete historical and external-provider records have been reconciled, it is not confirmation that you can subscribe that amount. See how ISAs work.
Money origins retains original contribution years across recorded transfers. Pooled growth is proportionally attributed at observed checkpoints, not a provider-certified tax-lot return. Unknown earlier history stays unknown. Daily value charts show recorded snapshots only, with no invented backfill.
Cases needing separate reconciliation
Connected-feed accounts, Lifetime and Innovative Finance ISA transfers, incomplete or multi-currency values cannot be posted through this maturity flow. Junior ISA transfers are restricted to a full transfer to one destination.
Flexible replacement entitlement, withdrawals, investment sales and in-specie transfers need specialist review. Historical originals use the account-first history/reconciliation flow, not a new receipt that would add cash again.