Hi, I currently have a First Direct cash e-ISA, which is unsurprisingly performing crap these days. (0.2%). It's got about 11k in it, but I havn't anything into it for this financial year.

Can I get a better deal? Am I allowed to? I know there are rules as to how much you can invest and how many ISAs you have etc.

I ideally want to keep all my money in the same place (i.e. with First Direct), as I look to see all my cash in their respective accounts (I also bank with FD, and have my tracker offset mortgage with them, as they are generally a very good bank).

I notice that First Direct are offering "3.10% AER (3.06% tax-free) fixed until 31 May 2010 then 0.20% AER (0.20% tax-free) variable thereafter".

Am I precluded from this because I already have a cash ISA? Are there any tricks? (move the money to my savings account, close the ISA,open a new one????)

I am conscious that this is a very large amount of money thats under performing, and I want it to do more for me...

Thanks in advance for any advice...