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Transfer of 2 previous ISA's into one new ISA for 25/26
Options

Bob_Wrinkles
Posts: 2 Newbie

Please could someone help me understand how or if I can transfer my Fixed rate ISA's into one ISA product for ease of management?
ISA 1 - Fixed rate ISA for 23/24 which matured 30/4/25
ISA 2 - Fixed rate ISA for 24/25 due to mature in July
ISA 3 - 25/26 Not yet opened
1.From what I can see most providers only give you 14 days to transfer into a Fixed rate ISA so if I open another Fixed rate for ISA 3 can I transfer ISA 1 into it but ISA 2 would have to remain separate?
2. Alternatively, if I open a Cash ISA with a variable rate for ISA 3 could I transfer ISA 1 into it immediately and then in July also add/transfer ISA 2 so that everything is in one place?
3. If I choose option 2 am I then able to transfer the whole amount into a fixed rate ISA from July?
Any help you can give to clarify my thinking would be gratefully received!
ISA 1 - Fixed rate ISA for 23/24 which matured 30/4/25
ISA 2 - Fixed rate ISA for 24/25 due to mature in July
ISA 3 - 25/26 Not yet opened
1.From what I can see most providers only give you 14 days to transfer into a Fixed rate ISA so if I open another Fixed rate for ISA 3 can I transfer ISA 1 into it but ISA 2 would have to remain separate?
2. Alternatively, if I open a Cash ISA with a variable rate for ISA 3 could I transfer ISA 1 into it immediately and then in July also add/transfer ISA 2 so that everything is in one place?
3. If I choose option 2 am I then able to transfer the whole amount into a fixed rate ISA from July?
Any help you can give to clarify my thinking would be gratefully received!
0
Comments
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Your options 2 and 3 are both feasible.
Under current ISA rules you can open as many ISAs as you want and pay into as many as you want. As long as you don't go over your annual allowance of course.0 -
Thanks El_Torro,
I just want to simplify things into one investment so it sounds like options 2 and 3 will work best for me.
I find the rest all a bit confusing for managing the yearly allowance.0
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