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Cash ISAs: The Best Currently Available List
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New clients to XTB only.
No transfers in, new cash only.
You need to open a GIA before you can apply for the ISA, with the usual KYC questions needed for an investment account.
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what about the interest / gains?
if I withdraw £20,000 plus interest/gains, can I deposit the entirety above into a new flexible ISA without being considered over subscribing, or just £20,000 (means my interest/gains amount are now not under the tax free umbrella anymore)
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Pretty sure you can only restore what you withdrew into the original flexible ISA only, but to have the entirety (with growth) in a new ISA, you'd have to do an ISA transfer…
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Why do you think your interests/gains will no longer be tax free?
You can withdraw this tax years contributions up to £20k from a flexible ISA and deposit it into any new ISA (flexible or not) before the end of the tax year.
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Yes, it's only tax free if I withdraw the growth as well (to close current ISA). Leaving behind in current ISA will still be tax free.
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Why not just do an ISA transfer (using the ISA transfer service) to the new ISA if you want to keep the entire sum under the ISA umbrella?
#24 Save 12k in 20260 -
some ISA providers are a hassle to do an ISA transfer, unfortunately
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Some providers do not allow you to do transfers in. This is a work around for that scenario.
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Kent Reliance Fixed rate ISAs
So I understand that Kent Reliance 1 / 2 / 3 year fixed rate ISA accounts are one of the few fixed rate ISA accounts that allow future deposits (in theory at any time during the term, and not just for a limited funding window).
Does anyone know if this is limited to 'new' money only, or can previous years ISAs be transferred also? Just wondered if anyone has any experience of this as the terms and conditions don't appear to mention transfers specifically. Many thanks.
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Just opened this account to fill the rest of this years ISA allowance with, £120K protection so everything looks fine to me.
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