Who's 2 Year Santander Fixed ISA is Ending? What you all doing?

A question about : Who's 2 Year Santander Fixed ISA is Ending? What you all doing?

I remember jumping on the threads on here 2 years ago and getting the Santander ISA fixed for 2 years. That is nearly ending now, wondering what others are doing? I see they have another 2-year fix @ 1.70%, might consider this for easy of staying there.

I have a modest pot that is emergency fund, and don't plan to add to it for now, concentrating on paying off the mortgage instead and upping pension slightly.

What are the pitfalls of taking it out and putting it into a high interest current account? Worth considering or leave in ISA?

Best answers:

• If you're repeatedly taking out fixed rate products and already have sufficient emergency funds have you considered using a S&S ISA instead of cash?
  If your definitely want cash then current accounts are paying way more than cash ISAs.
• You should consider taking at least Ј15K out of your ISA and put it into one or more interest paying current accounts. As and if ISAs will pay better interest than the various current accounts, you can just move it back in. You could also consider drip-feeding a couple of regular savings accounts, plus you could use some of your money to go after the switching offers as well as the monthly Halifax fivers. That way, you could literally make hundreds of pounds more than in a cash ISA, in just one year.
  If I were you, I'd move the lot into current accounts, as the likelihood of ISA rates rising any time soon is remote.
• Re end of 2 year fixed ISA I think Aldemore are offering a 2% fix for 2 years?
• Archi Bald I have every interest paying non ISA accounts hence I am looking
• I am in a similar position, though my balance is less.
  That is a good idea, though we need to be aware that if we take it out and put it into current accounts, we wouldn't be able to put it back into an ISA if rates pick up - or only up to the limit each year.
  Appreciate those figures though, food for thought!