Don't think that's quite right. If it was nothing more than a cash ISA then you could add £3000 to it every year, which of course you cannot. We have a TOISA and 2 cash ISAs in the Stroud & Swindon BS and the TOISA has a better rate of interest than the ISAs. I know that because the interest rates came in the post yesterday along with the notice of interest for last year.
There is no such thing as a TOISA any more. Unfortunately many people have been (and still are) confused with these.
You have ALWAYS been able to transfer a Matured TESSA into ANY cash ISA within 6 months of the maturity date.
I don't know how else I can convince you that a TOISA is a Cash ISA (but one you cannot subscribe to in the year you open it), but can be transferred to any Cash ISA at any time. Perhaps Martin needs to get an official line from the Revenue (unless he already knows), as this does seem to cause much confusion not only among lay people like us, but also journalists and banks.
Trust me on this one you CAN transfer a TOISA into a Cash ISA.
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