basically it allows the banks to profit out of lazy people
i spent 6 months this year trying to move one isa out of a 0.9% interest account - frankly it wasnt worth the effort in the end but i was making a point to the useless chunts at the bank
got 1 at 3.2% and one moved over from a previous year at 2.6%
got two savings accounts as well - one at 2.6gross and one at 2.3%
all in all - its irrelevant really as i will probably make next to **** all accross them all - with any luck the ac's will be empty soon