Cash ISA's - help needed (possibly dumb questions)

AFAIK you are only allowed one ISA with one provider. However, if you find a better deal, you may be able to "transfer in" your existing pot and still top up with this years allowance

Also pretty sure that instant access means you can withdraw at any time

You can open a new cash ISA each financial year. So long as you haven't paid in to your existing ISA since April 6 then you can open a new one.

You can transfer your £3600 from your old ISA in to your new ISA if you do it through "transfer in" - don't withdraw the cash and re-deposit it.

Not many ISAs are offering transfer in with a decent rate but the Halifax is one - paying 3%, you can transfer in and you're allowed 4 withdrawals in the first year with no penalty.

Does that help?

As long as you haven't paid into your existing ISAs since 6 April you can open new ones with different providers. If the new provider allows transfers in you can transfer the previous money into the new ISAs, but this must be done through the new provider at your request, don't move it yourself otherwise you won't be able to pay in any more this year as it will count against this year's allowance.

You need to check the terms and conditions re withdrawing. I would expect instant access to mean you can withdraw whatever you want whenever you want, but it's worth checking it doesn't affect the rate you get if you withdraw and there isn't a limit on the number of withdrawals you're allowed. (E.g. some accounts you can withdraw whenever you want but when you do you don't get any interest for that month and unhelpful things like that.)

HTH

Thanks everyone