what is the best option?

davidm1

at the moment i have £10k needs transfering to santander, and to open Flexclusive with this year allowance to add on.

however, there is high probability that i would need to keep it under £6k in August. I would have to withdraw the money from the isa account

so what is the best option.

1)transfer to santander, not open Flexclusive, and withdraw the money in Aug
2) withdraw £5k from isa and put it in Flexclusive(higher %)

with 1) i havent used up this year allowance but Flexclusive most likely to be gone by Aug
but 2) i cant put the money back into the isa

is there any better option?