Bit of Advice!

Electricman

Bit of advice please.

I have savings (20K) which I was previously going to be using for a deposit on a house, however my circumstances have changed. My money is currently sat in a Lloyds savings account earning less than 1% .

I haven’t used my Cash ISA this tax year and would like to utilise this before I lose it, but I have a couple of questions which to you people may sound stupid but would hope you could clarify.

1. Which ISA account is currently offering the best deal? Can you set them up online with out any trouble? I would also like access to funds in case of emergencies.

2. In April when I go and put my next maximum allowance in an ISA and say I find a better deal, can I transfer this tax years allowance into the new ISA I have found?

Also what would you advise I could do with my remaining savings? Tried looking at Lloyds to see if they had any decent saving account offered

Thanks in advance

Electricman