No, currently you can only open our flexible ISAs in one of our branches.

Not with a flexible ISA. You can take money out and replace it within the same tax year without it counting twice.

This is a flexible Cash ISA, which means you can withdraw money and pay it back in without affecting your ISA allowance, as long as it’s done in the same tax year. Some important points to note about flexible ISAs are:

• Flexibility applies to both current and previous years’ ISA subscriptions, but these are treated differently.
• If you withdraw your current year’s allowance, you can transfer to a flexible ISA with another ISA provider and replace the funds with them.
• If you transfer your full ISA balance to another ISA provider, you will lose your tax-free benefits for any previous years’ ISA allowances that you have withdrawn and not paid back in before the account closes.
• Any flexible ISA withdrawals requested will be taken from the current year’s ISA funds (if any) first, followed by previous years’ ISA funds. When you pay back in (flexible ISA replacement subscriptions), previous years’ funds will be replaced first, followed by the current year’s funds. Where you have replaced both previous tax year and current tax year subscriptions, any further money which you deposit will count towards your annual ISA allowance limit.
• If you close your account, you will not be able to make any further flexible ISA replacement deposits.

No. You can take money out whenever you like, with no penalties or charges.

If you don’t replace it by the end of the current tax year, that amount will count towards your annual ISA limit, and you won’t be able to repay it.