It's a new financial year, which means a fresh £20,000 ISA allowance — and a market that looks more competitive than ever. But several of the headline rates are not quite what they seem.In this episode:• Why eToro's 4.78% works differently to a standard Cash ISA• What XTB's 6% actually means over 12 months• The bonus rate traps — and which accounts drop by up to 2% after year one• Flexible vs non-flexible ISAs explained clearly• How ISA transfers work — and the one mistake that kills your tax-free wrapperRates sourced from DepositScout.com — check the link for the latest figures before you act.Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

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“What did the council decide on item 42?” — answered with the speaker and the moment.