Flexible ISA Question

RG2015

I have an instant access flexible ISA with Virgin Money. My balance at close of play on 5/4/2025 was £10,600.

Between 6/4/25 and 29/5/25, I withdrew a net £1,100 and the opening balance on 30/6/2025 was £9,500. Between 6/4/25 and 29/6/25 my balance never exceeded £10,600.

On 30/6/2025 I transferred £5,000 to a flexible ISA at a different bank and separately withdrew £500.

I have always considered that I can restore the Virgin Money balance to £5,600 without utilising any of my 25/26 ISA allowance.

However, my earlier net withdrawals of £1,100 now have me questioning this.

Can someone confirm that I can freely maintain the balance at £5,600.

eskbanker

Given its value, the partial transfer doesn't change anything, so the net withdrawals of £1,100 can still be replenished into the VM ISA anytime up to 5/4/26 without affecting your 2025/26 allowance.

RG2015

eskbanker said:

Given its value, the partial transfer doesn't change anything, so the net withdrawals of £1,100 can still be replenished into the VM ISA anytime up to 5/4/26 without affecting your 2025/26 allowance.

Thanks, sometimes I get figures spinning around in my head and on my spreadsheet and need an objective second opinion.