Multiple cash ISA 1,2,3,4,5 year fixed

refluxer

ZeroSum said:

friolento said:

You should also understand what happens if you want to transfer out your easy access ISAs. It appears you can only do this if you also transfer out your fixed term ISAs, which will come with a penalty for early termination.

Unless you are certain that you won’t want to transfer out in the next 5 years, it might be best not to fund the fixed term ones and just let them get closed

That's possibly out of date info, as can now do partial transfers, where previously (ie before this week) any isa transfers had to be the full value of isa within that banks isa umbrella 

Are you talking generally or specifically about Zopa ? Nothing about this aspect has changed recently as far as I'm aware - it's up to each provider whether they allow partial transfers out. The majority do but, unfortunately, Zopa don't.

I've had a quick look at the current Zopa Smart ISA FAQs and this doesn't appear to have changed recently. As you only get one ISA reference number which covers all your access and fixed ISA pots, arranging the transfer-out of one particular pot isn't possible - Zopa would have to change this in order for partial transfers out to be possible.