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Moving money in ISA

Hi I have an easy access ISA with Santander which matures in May with 60k in it currently at 1.50%. With the rates so low these days I am thinking of moving some of the money and then opening a Commsave credit union account and putting in say around 5k-10k as Commsave have been paying atleast 2% dividends for the past 5 years. I just have a few questions I'm unsure about.
(1) Will there be any repercussions in terms of interest earned at the end of the term of the ISA if I take some money out of it and invest with Commsave?
(2) Can I still move the 50k-55k that will be left in the ISA to another ISA if I find a better rate or if Santander reduces the rate?
(3) Will I still have the same ISA allowance (20k) in 2020-2021 and following years after removing the 5k-10k? 
(4) Is there a optimal/correct time to move money from ISA to Commsave account?

Commsave have been giving out the following dividends:
2017 - 2.5%
2018 - 2%
2019 - 2%
2020 - 2.25%

Thanks

Comments

  • eskbanker
    eskbanker Posts: 37,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It seems to me that these questions have largely been answered in all your previous threads about this, but to recap again, 2 & 3 are 'yes', and for 1 & 4, you'll earn pro rata interest on your existing ISA based on daily balances, so move from 1.5% (or the subsequent lower figure) as soon as you have access to a better rate.
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