- March 27, 2024
- Posted by: legaleseblogger
- Category: Related News
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# Opening a New Cash ISA with Zopa and Transferring from Santander
I currently have a 1 year fixed rate cash ISA with Santander which is due to mature on 1st April 2024. I want to open up an Instant Access Cash ISA with Zopa for the new financial year 2024-2025, and in this I want to add some savings which are currently sat in a Chase saver, as well as transfer my old Santander Fixed Rate ISA balance.
## Queries and Concerns
I have a few queries:
1. When applying for my Zopa Access ISA pot, the declaration says ‘I apply to subscribe for a cash ISA for the tax year 2023/2024’ but I want to apply for one for 2024-2025. Does this matter? i.e shall I open one for 2023/2024 and then as long as I don’t contribute any money until the new financial year in April, it’ll simply become a 2024/2025 ISA in April (at which point I can add my savings that have been sat in Chase)?
2. Zopa also says I have to agree that ‘I have not subscribed to another cash ISA in the same tax year that I subscribe to this cash ISA’- but I have, since I opened by Santander one in the tax year 2023-2024. Does this mean I can’t open the Zopa one until April?
3. How does the transfer work, timings-wise, with Santander? Do I simply open the Zopa account, and then tell Santander that, at maturity, I want to transfer it to my new Zopa ISA?
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