Had various Saga accounts and one was an isa. I got a better rate of interest do I tried to transfer my isa to a new provider and first of all after 3 phones calls none of the customer service tell you they don't operate a back transfer service, it as to be done by post and they send a cheque out to the new provider, this is like going back 30 yes with posting cheques out and not using electronic back, but saga don't tell you until you complain that it's not been transferred. I opened 3 isa and each got rejected by sage stating they can't find my account. I miss the time scale to input funds into my new isa so had to close them. The time and effect dealing with this is just not worth it, I finally got ot done after numerous emails and complaints, every isa provider work with back transfer service for smooth operation for the customers but saga make its extremely difficult so you just leave the money with them. Worse isa service possible and way out of date