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Quick question re opening ISAs
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You can transfer your ISA from 2008/09 to any other provider that accepts transfers in. This does not affect your allowance for this tax year in any way, provided that you do it in the 'proper' way, by filling in a form from the bank that you are transferring the ISA to.
You can also, at any time now, open a new ISA, with any bank.
This may not be relevant to you yet (maybe in a year's time though), but you can usually combine ISAs, by transferring two (or more) in to a single ISA.
You are correct in that 'subscribing' means to put new money into an ISA; money that was not previously in an ISA.0
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