Isa cash

[Oxo01]

I have a 1yr fixed Cash Isa full allowance with N/wide BS ending soon ( 3rd March this year)

I know rates have gone down but I still want to transfer all of it to another but prefere a B/S or a bank.

Martin Lewis shows trading 121 ? platforms and the like with higher rates but I dont want that type.

N/W have sent a form to complete to say what i want to do

But I am having problems finding the best banks or B/S.

Also I thought that I could tell them what I want to do online but it says take form to bank or post.

I would have thought with todays technology this would be the default or at least a choice to do.

Also just to check
When I transfer to another or with the same provider does the interest i have earned transfer with it and stay tax free ?

I have another that expires in April with another provider so need to be more on the ball with that one.
Thanks for any info

As long as you transfer - don't withdraw - it stays tax free. And if you choose a whole transfer not a partial one, that includes the interest (but wait until the interest has been paid!).

Nationwide ISA maturity instructions can usually be provided online, you shouldn't have to do anything manual. Maybe log on and check, sometimes the option only becomes available so many days before maturity.

If you want to move the money to another provider, open an ISA with them and instruct them to transfer your ISA in from Nationwide (making sure you provide the instruction to wait until the old ISA has matured before they action it). It really is easy, you just have to be careful about doing everything in the right order and not before maturity!

Why are you having a problem finding the best rates, it couldn't be easier nowadays with so many comparison sites

How do you know you want to move away from Nationwide if you don't know what the best rates are?

Normally you go to the bank or building society etc that you want to transfer to, fill in a form usually online and they arrange it all. There are lots of sites showing the best rates. I'm not sure about trading 212 I thought they were mainly S&S, but you also just do the transfer through their web site. I think N/W are trying to make it difficult or you are misunderstanding, ignore what they say.

You can choose to transfer it all including interest or leave some with the current provider, sounds like you want to transfer it all. To be clear you do it through the new provider not the one you are leaving.

I looked at N/W rates and tried to see if anything better there are some but most are the ones like trading 121
Im going to try and see more just asked if anyone knows ok fixes with a bank or B/ S.

Martin Lewis breaks the best buys down into new 'challenger' businesses (which usually pay a bit more interest, Trading 212 etc) and big names, if you're not comfortable with using a less established firm.

https://www.moneysavingexpert.com/savings/best-cash-isa/

Thank you
i breifly looked at his, best was 212 ( not 121 which i was putting )😀 and another. So left it but will look again for bank / BS ones.

The money saving expert website that a pp linked to shows cash ISA..it just happend that tbe best rate shown is trading 212. They have the option for a cash isa as well as a S&S.
It wouldn't do any harm to have a proper read of the advice given on money saving expert as you dont seem to have a great grasp on the terminology. You would be better getting to grips with that before doing anything.

just watch out when looking at rates. trading 212 and the best rates offered are usually for new Isa , transfers in get lower rate !

Thanks all, i spoke to my bank to confirm a couple of things so all sorted now.

I'm with Trading 212, I was cautious at first because its so different to nationwide but all good. I think I'd like to find a fix though as my cut is saying rates will continue to fall. But whatever I do I will keep some with Trading 212 so I can move to stocks and shares.

Moneyfacts compare shows more rates than MoneySavingExpert. Make you you look for one that allows transfers in.