Do banks typically allow cash ISA transfer-ins to products that have been discontinued?

aaj123

If I have a cash ISA account (with current year contributions) with a provider but that product is now no longer available to new customers, are transfer-ins from previous years still accepted? Agree that this may depend on the provider but what is the typical stance on this?

refluxer

What type of ISA is it and which provider ? It should tell you in the T&Cs - which would still apply, regardless of whether the account was still available or not.

Fixed rate ISAs normally only have a limited window for requesting a transfer-in (eg. 2-4 weeks after account opening or even at the time of application only) and that includes some providers who allow additional (cash) subscriptions throughout the duration of the term (eg. Shawbrook)

This limited transfer window sometimes applies to easy access cash ISAs too, so you would need to check your T&Cs.

aaj123

refluxer said:

What type of ISA is it and which provider ? It should tell you in the T&Cs - which would still apply, regardless of whether the account was still available or not.

Fixed rate ISAs normally only have a limited window for requesting a transfer-in (eg. 2-4 weeks after account opening or even at the time of application only) and that includes some providers who allow additional (cash) subscriptions throughout the duration of the term (eg. Shawbrook)

This limited transfer window sometimes applies to easy access cash ISAs too, so you would need to check your T&Cs.

Skipton easy access tracker isa issue 4. It's now discontinued. But if I have an account already with current year subscriptions, will they still accept transfers of previous year isa money?

What I am trying to assess is whether the fact that I have this account means that over the next 24 months, my past isa money can always find a home here if the rest of the market lags behind boe - 1.25.

refluxer

aaj123 said:

refluxer said:

What type of ISA is it and which provider ? It should tell you in the T&Cs - which would still apply, regardless of whether the account was still available or not.

Fixed rate ISAs normally only have a limited window for requesting a transfer-in (eg. 2-4 weeks after account opening or even at the time of application only) and that includes some providers who allow additional (cash) subscriptions throughout the duration of the term (eg. Shawbrook)

This limited transfer window sometimes applies to easy access cash ISAs too, so you would need to check your T&Cs.

Skipton easy access tracker isa issue 4. It's now discontinued. But if I have an account already with current year subscriptions, will they still accept transfers of previous year isa money?

Just to clarify... you have a Skipton easy access ISA and you're asking whether or not you can transfer another ISA into it ?

If so, you would need to check the Skipton T&Cs to see whether transfers into this account are accepted at any time. If the T&Cs don't include this information, then I would say that means that there isn't a (limited) transfer-in window and that it's likely that you can transfer in at any time but you would need to contact the Skipton for confirmation. The fact that it has been withdrawn shouldn't matter but if it does, then it would definitely be mentioned in the T&Cs.

If transfers in are accepted at any time, then you would be free to do this and if the other ISA is also easy access, then you should be free to transfer without penalty. Cash ISA transfers don't count towards the annual ISA allowance.