On Tuesday I went into town with a lady friend to visit both our banks to discuss the transfer of our Fixed Rate ISA's to something paying more than 0.2%.
The Advisor in The Halifax was clearly disinterested in anything which didn't involve new business, so we deferred that matter until the FRISA matures at the end of the month.
We then went to Nationwide, where I gave instructions to transfer two
5-figure sums, from a matured FRISA into another 1 year FRISA at 2.75%, and from an instant ISA which had deteriorated to 0.2% interest into my flexible online ISA again at 2.75%.
When he failed to persuade me to go for a 4 year FRISA, having pointed out that I am 76 years old, his interest waned, and the transaction was carried out quite casually.
Unless they have a customer who is bringing "new business," they are just not interested, and pensioners are clearly not expected to re-cycle cash out of accounts paying peanuts. We will both be going elsewhere for this year's new ISA.