It is also a good time to go searching for a better rate ISA especially if like mine your one year deal has ended. I am now only getting 0.25% interest which is pitiful. I do not want to fix my money as I may need it for my new house so I need a direct access ISA where there is no loss in interest for withdrawing money. Currently I am with Halifax and the rate there is 1.05% which is not as good as the 1.5% offered by Santander. However this rate is only available to 123 current account holders which I happen to be. I will be visiting my local Santander branch tomorrow and putting on an appointment to transfer my cash ISA to them.