Call me ignorant, but unless you have the likes of £20,000+ isnt using an ISA that can potentially limit your cashflow all for a 3% return a bit... silly? For example 3% interest on £30000 is £900 by my maths, but if you have to run the risk isnt it a very low risk/reward ratio?
it's not silly, one can always get their money out, there's a penalty though.
personally, my ISA is money i can get by without. if i was treading a thin line, i wouldn't be in the position to save. i am and i am grateful for this but that's because i'm careful with my money, hence why i'm asking about an ISA and not who to bet on in tomorrows gold cup