ISA Transfers and new ISAs

Hi ConfusedCodger,
The fixed rate date is not relavant to HMRC as this is for your interest only and for any exemptions/penalties with the provider.
 As you have not made any payments in 24/25, you still have your 20k allowance to invest.
Individual Savings Accounts (ISAs)
Thank you. 

Thank you HMRC Admin 25 Response for your reply. I appreciate your time. I'm all sorted now. I spoke to Santander who explained what was what and today I've transferred the whole ISA balance after maturity, to a better interest rate cash ISA provider. Thanks again.

Hi, I first took out an 18 month ISA in January 24 and then in April 24 (new tax year) took out another 18 month ISA, (both with Barclays) so the first matures in July 25 and the other in October 25. Now we are in a new tax year I’m looking to take out another 18 month ISA. I would like to amalgamate all ISA’s into one account, so when Jan 24 ISA matures can I transfer funds into my new 18 month ISA? (Mid term)And then when the April 24 one matures can I also transfer that in my new ISA. Or do I have to wait until all ISA’s have matured before I can open a new one and transfer them into one pot?

Hi,
You can transfer all or part of the savings in your Individual Savings Account (ISA) from one provider to another at any time. It can be to a different type of ISA or the same type. The investment can have been made this year or in previous years. You can see guidance here:
Transferring your ISA
Thank you.

I think i have made a big mistake with isa, I have a cash isa with my bank my previous tax year had a total of 13k, in April of this new tax year I deposit a new amount taking the total up to 18k, I saw advertised a new isa so I transfered 18k back to my bank then set up a new isa with plum, i then read reviews and decided i didn't trust this isa so transfered the 18k back to my bank, I then decided to open a stocks and shares isa where I deposited 10k, this all happened in the space of 3 weeks, I gained minimal interest from these transfers as they were done in short space of time. Im now really pannicking as although my savings have only ever totalled 18k I have moved this between two new isa within a two week time frame, I did not realise there was a procedure when moving funds, the plum isa I had for 2 weeks before removing and closing the account, im so worried that I have now gone over the 20k limited because of these transfers even though I have never had more then 20k total savings. I do not know what I should do now, I now only have one isa with funds in, these transfers all happened between the 15th of April and 2nd of may this tax year. I do not know what happens now but I want to rectify this urgently

I have a fixed cash ISA maturing in June. I have already subscribed to a new Cash ISA for 2025/26. Can I transfer the matured ISA to an existing ISA ?

Hi Ashdb29,
If you have oversubscribed in the current tax year, you can contact your ISA provider to instruct them to remove overpayment amounts to correct the error.
Thank you.

Hi Monterey29,
Please refer to:
Individual Savings Accounts (ISAs).
Thank you.