Chip transfer out with zero contribution in current tax year

johnwash

I have recently been trying to transfer out my Cash ISA from Chip to a fixed term account with Saffron. Being fully aware that I have to do a full transfer from Chip, and having only contributed in previous tax years (nothing in 2025/26), I only ticked the box on the ISA transfer form to do a full transfer of my previous tax year contributions. Following Chip rejecting this and a variety of back and forth conversations with both providers, Chip has told me that they rejected it as I didn’t tick the box requesting a full transfer of the current year’s contributions and inputting an approximate amount of zero. 

As such, I now have to resubmit the ISA transfer form. This is not a huge deal, but can someone confirm if Chip are correct at asking for this in order to do a “full” transfer, despite me not having contributed this year? I am contemplating a formal complaint as this does seem ridiculous but might be necessary within the complications of ISA transfers.