transferring multiple ISAs

Catslovelycats

I have 2 ISAs. One is fixed until July 2012 but once it matures I intend to transfer it to an ISA with a better rate. I have another ISA (with Halifax) that I've decided to transfer to an ISA with another provider for better interest.

My question is this:
Assuming my new ISA allows transfers in, can I transfer the complete balance from both ISAs into it? Can I also use it to save my cash allowance once the 2012-13 year kicks in?

(I'm aware some, or maybe all, accounts say you have to depositi your transfer within 30 days of opening, in which case I can't transfer the fixed rate one into it. But I assume I can transfer it into a different ISA in July...?)

Sorry if these questions seem naive, but it was only a few months ago that I learned from this forum that you don't have to open a new ISA each year.... :cool:

Thanks for your help.

MoneySavingUser

You can transfer multiple ISAs into one new isa (or existing one) but yes you have to remember that some only allow:
- transfers in within a certain time
- some fixed rate ones only allow 1 deposit in (one way of getting around this is to have them open up a variable isa and transfer 2 lots into it then convert the account to a fixed rate one) [this would also apply to new funds for 2012/13]

You could also transfer your current ISA into a new account - and then transfer it again when your fixed rate one matures if you want to consolidate into one account

Catslovelycats

Thanks MSU!