How to Consolidate Your ISAs: A UK Cleanup Guide

Multiple ISAs in the same year became legal in April 2024, but having five accounts is still account bloat, not diversification

Always use an ISA transfer initiated by the receiving provider - never withdraw and re-deposit, which costs you the allowance

The cleanup playbook: list every account, pick one or two destination platforms, transfer in-specie where possible, then sell the overlapping holdings

Don't consolidate workplace pensions, defined benefit schemes, or Lifetime ISAs without checking what you would lose first