Transferring the Help To Buy ISA to the Lifetime ISA:

As far as I understand you can transfer the money across in the 1st year and it doesn't count towards the £4000. So you still get the 25% bonus on whatever amount your Help To Buy ISA got up to, plus you can add £4000 and get the 25% on that also. Correct?





The Bonus

Does this physically show up in your account every year/month? or does it only magically appear when you buy a house/turn 60? I assume you can't invest the £1000 bonus into the Stocks and Shares LISA?





Interest:

I assume some interest is paid on these ISA's?

Can you withdraw the interest or does that have to stay within the ISA also?

Do you earn interest on the bonus?

As above, although it should be added that from the 2018/19 tax year the bonus will be paid monthly according to current (not finalised) rules.