Combining two Cash ISAs

Shelle

I currently have two cash ISAs, with different amounts in. (I initially opened up second ISA when I was getting very close to the institution limits but then when this was later increased I just kept the two going).

Is there any benefit to keeping both going or should I be looking to combining them somehow? One (the larger amount) is due to expire at the end of this month whilst the second ISA is due to mature in September this year. There are both on very similiar rates (1.20 and 1.30). I know that higher rates could be gained on other savings but I was always thinking to protect the tax status for (if) the rates increase.

Alexland

There is no particular benefit from combining them unless you want the reduced admin. Although I am more interested in S&S products I still have a similar policy of spreading accounts between providers to reduce my losses above the FSCS limit in the event if fraud, etc.