When is it to late?

wiseman405

Hi there,
I am with NS&I and i have seen better ISA's out there.
When is it to late to transfer into another ISA, or do you think i should just stick with the one i have??

Thanks in advance
Tom

Lokolo

wiseman405 wrote: »

Hi there,
I am with NS&I and i have seen better ISA's out there.
When is it to late to transfer into another ISA, or do you think i should just stick with the one i have??

Thanks in advance
Tom

Thats completely upto you but you will lose interest for 30 days (usually) as thats how long it takes to transfer, so think to yourself, is it worth it or not?

ManAtHome

Don't think you lose 30 days interest, just a few days when the transfer takes place. It can take up to 30 days for the transfer to go through, although I've transferred a few times and has taken around 2 weeks on average. Would guess that it's not a good time to transfer for the next few weeks as it's the 'peak season'...

bristolleedsfan

wiseman405 wrote: »

Hi there,
I am with NS&I and i have seen better ISA's out there.
When is it to late to transfer into another ISA, or do you think i should just stick with the one i have??

Thanks in advance
Tom

Its never too late to transfer an ISA.

If u transfer to one of these providers u wont lose any interest at all irrespective of when you initiate the transfer

Nationwide BS, Abbey PLC, Halifax PLC or Saffron BS

The only time when "30 days interest is lost" is where an existing ISA provider has such a clause within its terms and conditions.

wiseman405

aw, thanks alot you guys really appreciate that. I know its my choice, but what would you do

Cheers
Tom