NatWest ISA - transfer of old ISA

savit4l8er

fsween19 said:

i have two 5 year ISAs  i want to transfer into a single Natwest ISA at 5.9% . Taking into account the penalties, one ISA  transferred makes me £810  better off , the other one transferred with only 4 months to go will make me £189 worse off . Should i transfer them both and be  £621.00 better off. or is it not that simple ?.   

It's never simple 😔.  You could easily do as suggested above but it's not guaranteed you will be better off in the long.  The main thing I would consider before anything else is are you reasonabley knowledgeable about ISA's and how they work.  I only say that because from what I can see, there can be a lot of follow up work with this ISA and I don't think there is much in the way of decent help available from NW if something goes wrong.  There are other threads about this ISA on the forum with very mixed results.
A few have mentioned difficulty in transferring already, online application not great and paper requests needed for some providers and erroneous situations even after transfer.  Some have given up at various stages of the process.  Sorry to not answer your question as such but with you being new on here, I just felt compelled to warn you as much as anything else.