New ISA time or carry on Trading 212 4.1%

maximise

Hi all, taking a breather indoors from being out and about in hot weather, to look at finances,

looking at best ISA options for the 2025/2026 tax year

- already got a LISA with HL which I'll put £4k into, leaving £16k remaining in this years allowance.

- already got Trading 212 ISA from 2024/2025 tax year, circa £15k currently earning 4.10% AER


should I open a new ISA for 2025/2026, any recommendations? and keep the Trading 212 going?

or is there an ISA which allows transfers in for higher than the 4.10% AER offered in Trading 212.


Many thanks 

clairec666

You can get higher than Trading 212's 4.1% - a quick search for "best cash ISA rates" will reveal a few.

Worth looking at Skipton's base rate tracker, which is currently at 4.1% but is guaranteed to stay 0.15% below the base rate for 12 months. Trading 212 have had a lot of rate drops in the past few months, Skipton is likely to be more consistent and won't surprise you with any sudden drops.

VNX

https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false&product-favorites-first=false&sort-order=AER&sort-order-text=Rate

wiseonesomeofthetime

I went with Principality's 5 access cash ISA, currently at 4.25%

Transfer from Trading 212 took the full 15 working days.