I have £40k in a fixed rate Santander ISA from the last 2 tax years, but can see ISAs with other banks with better interest rates. Can I open a new ISA for this year in a different bank? And then choose whether to transfer the whole lot or leave it where it is? Or even put some in a fixed rate ISA and the rest in an Easy Access? As long as the total new contribution this year is not over £20k?