Cash ISAs that accept transfers
An ISA transfer moves money from one ISA to another without you taking it out first. Money already in an ISA does not use this year’s £20,000 allowance when you transfer it. New money you add does, and a fixed ISA can charge a penalty if you transfer before the term ends.
21 accounts
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Questions
Do I use new allowance when I transfer?
A transfer of money already in an ISA does not use this year’s allowance. New money you add does.
Can I transfer a fixed ISA before it matures?
Often only with a penalty, or not at all. The account you are leaving states that rule.