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2026/2027 trading 212 cash isa question
I’m trying to decide whether to stay with Trading 212 Cash ISA for the 2026/27 tax year or switch to Plum for the higher interest rate and new customer bonus.
A bit of context:
• First time using a Cash ISA last tax year
• Opened and paid into a Trading 212 Cash ISA
• Got the first-time/new customer bonus there which was above 4
• Interest rate now seems to be around 3.6%
• Plum currently appears to offer a better rate plus a joining bonus
What I’m unsure about:
• Is it worth transferring mid tax year just for the higher rate/bonus?
• Are there any downsides to moving from Trading 212 to Plum for new money being paid into cash isa?
• What is the downside of Moneybox which gives good interest rate for cash isa transfers?
I’m mainly using it for savings rather than investing, and I want to make sure I don’t accidentally break any ISA rules by moving providers.
Any advice appreciated.
Comments
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Apologies but this is a duplicate. I am not sure how to delete this thread.
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