We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

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

  • moacs
    moacs Posts: 9 Forumite
    First Anniversary First Post

    Apologies but this is a duplicate. I am not sure how to delete this thread.

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.6K Banking & Borrowing
  • 254.5K Reduce Debt & Boost Income
  • 455.5K Spending & Discounts
  • 247.5K Work, Benefits & Business
  • 604.4K Mortgages, Homes & Bills
  • 178.6K Life & Family
  • 261.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.