# Cash Isa - where is the interest/how to move in?

**URL:** <https://community.trading212.com/t/cash-isa-where-is-the-interest-how-to-move-in/78824>\
**Category:** 💬 Trading 212 chat\
**Created:** [December 2, 2024, 3:02pm UTC](https://community.trading212.com/t/cash-isa-where-is-the-interest-how-to-move-in/78824 "2024-12-02T15:02:30Z")\
**Posts on this page:** 4\
**Page:** 2

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**Author:** ![SteveD](https://avatars.discourse-cdn.com/v4/letter/s/c4cdca/32.png) [@SteveD](https://community.trading212.com/u/SteveD)\
**Post date:** [December 8, 2025, 7:06pm UTC](https://community.trading212.com/t/cash-isa-where-is-the-interest-how-to-move-in/78824/21 "2025-12-08T19:06:22Z")

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Hi Guys let’s say I’ve earned £500 from my deposit but want the interest to spend. I therefore withdraw £500 to my current account and spend it . Done. My online record will show £19500 but at year end £500 will be consolidated to my212 ac ready to add to transfer or whatever. Am I wrong??

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**Author:** ![SteveD](https://avatars.discourse-cdn.com/v4/letter/s/c4cdca/32.png) [@SteveD](https://community.trading212.com/u/SteveD)\
**Post date:** [December 8, 2025, 7:26pm UTC](https://community.trading212.com/t/cash-isa-where-is-the-interest-how-to-move-in/78824/22 "2025-12-08T19:26:18Z")

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Sorry, or pay the interest £500 back in to 212 then you have £20,500 in a cash isa going forward. Mods or fellow chatters will no doubt tell me if I’m wrong???

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**Author:** ![Scrooge\_McCodf](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/scrooge_mccodf/32/18951_2.png) [@Scrooge\_McCodf](https://community.trading212.com/u/Scrooge_McCodf)\
**Post date:** [December 8, 2025, 11:44pm UTC](https://community.trading212.com/t/cash-isa-where-is-the-interest-how-to-move-in/78824/23 "2025-12-08T23:44:32Z")

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I think the reason your question hasn’t been answered is because you’re confused about the mechanic and the question isn’t exactly clear.

The current rate of a Cash ISA is 3.85% - so you’ll end up with around £770 interest if you put the money in on day dot and waited till the last day.

So let’s just work with the full £770 because it’s easier. If you withdraw that it will be tax free, you can do as your wish.

Your ISA usage will drop to £19230 for the year because your ISA is flexible and you can replace what you take out.

If you took the £770 out after the new tax year starts you’d be able to put in £20,770 in the new tax year. (£20k new limit + £770 flexible withdrawal.)

If you do nothing you’ll have £20,770 and will be able to add another 20k in the new tax year.

I hope one of these solutions answers the question.

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**Author:** ![Ali54](https://avatars.discourse-cdn.com/v4/letter/a/c6cbf5/32.png) [@Ali54](https://community.trading212.com/u/Ali54)\
**Post date:** [January 18, 2026, 2:22pm UTC](https://community.trading212.com/t/cash-isa-where-is-the-interest-how-to-move-in/78824/24 "2026-01-18T14:22:34Z")

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I got ISA here and with NatWest, your just asking to get the monthly interest you earn payed into a current account to live off? I done this with a Natwest ISA but had to go into the branch to set up, it gets paid into my current acc but not added to the total of the ISA, I don’t think you can set up a direct debit on this one you have to withdraw it yourself as its an online account.

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