Easy Access Cash ISAs That You Can Continually Pay Into

SickGroove

Good afternoon,

I've a couple of cash ISAs maturing during the 26/27 tax year. On 6th April 2026, I'm looking to drip feed the 20K max limit thought the year into an easy access cash ISA PLUS perhaps transfer the other two maturing cash ISAs once they mature.

Is this actually possible?

Any advice appreciated. Cheers

eskbanker

Yes, transfers don't affect your current year contribution allowance, so you can transfer as many as you like while concurrently paying £20K into other ISAs.

DRS1

If you look at page 1 of the Best Currently available Cash ISAs thread you will see that some do not accept transfers in so make sure you pick one that does.

Cash ISAs: The Best Currently Available List — MoneySavingExpert Forum

clairec666

Yes, it's possible. Most easy-access cash ISAs will allow you to transfer in existing ISAs and also make additional deposits afterwards.

Check the T&Cs for each ISA though, as there are some things you need to look out for, particularly with some of the highest-paying ISAs currently available:

Some may not allow transfers in at all, or may have a "bonus rate" that only applies to new money (i.e. transfers in get a lower rate).

Generally, easy-access ISAs have an unlimited funding window (unlike fixed rate ISAs, where you typically have to add any money within 14-28 days). But there may be some exceptions.

Check out https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/ - check the sections that say "Further Additions" and "Transfers In".