London Bacon

In October 2023, I opened an ISA Fixed Term Deposit Account online with Lloyds Bank and deposited £20,000. After one year, in October 2024, I withdrew the £20,000 along with the accrued interest. I then opened another ISA Fixed Term Deposit Account with a different bank (switching banks because this new bank offered a higher interest rate) and deposited £20,000. However, about a week after opening this account, I regretted my decision and canceled it because I realized that a Stocks & Shares ISA would suit me better. I have now opened an ISA account, called an IB ISA, with IB. I’d like to know if I am still eligible to use an ISA tax-free account for investment. In other words, do I now have to pay taxes on the investment returns within my IB ISA account? If so, should I transfer the funds from my IB ISA back to a personal account and cancel the IB ISA? And will I be able to open an IB ISA next tax year for tax-free investment purposes? One more question: should I cancel my previous ISA Instant Cash account? Thank you for your response.