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ISA Transfers

Compare ISA transfer options
Unhappy with your current ISA provider? Perhaps you're no longer getting the best rates, or you want to put all your ISAs from previous years together in one place? Fortunately, transferring ISAs is a simple process. Use this page to compare a selection of the latest ISAs accepting transfers.

Transferring an ISA

Transferring your ISA can be a smart move for savers, especially given the instability of interest rates in the current financial climate. By keeping tabs on rates across the spectrum of ISA providers, and transferring when your current rate drops, it can allow you to chase the best rates around and ensure you make the most of your hard-earned cash. But before you do anything else, make sure you keep in mind the one fundamental rule of ISA transfers…

If you want to transfer your ISA, make sure you do it properly - never just withdraw the money or you'll immediately lose all the tax benefits.

How do I transfer my ISA?

ISA transfers used to be notorious for taking a long time, but thanks to recent guidelines, transferring an ISA from one provider to another is now a fairly straightforward process:

  • Once you have sent off the ISA transfer form, your new ISA provider should contact your current ISA provider within five working days. The ISA transfer process should take no longer than 15 working days.
  • When an ISA is transferred, the old ISA manager must give the new ISA manager a notice in writing containing information and a declaration, known as a transfer history form.
  • Once the transfer is done, you new ISA provider will be in touch to confirm this.

Can I transfer one ISA and open another?

The short answer is yes - you are free to transfer previous years' ISA balances to a better rate, as well as opening a separate account, as long as you only put cash into the latter account. You can pay into one cash ISA and one investment ISA each tax year, but transfers don't count as 'paying in'. You can transfer as many times as you like, and there's no set time in the tax year when you need to transfer.

Is there a charge for transferring an ISA?

Your existing ISA manager cannot stop you transferring, but they may charge you for it. However, this is becoming less common, particularly with cash ISAs. You should contact your current ISA provider and confirm their policy on this before making a decision.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How to choose the best ISA?

16th November 2016

You can invest your full ISA allowance of £15,240 into one ISA or split your allowance between the three types of ISA available. Cash, Stocks and Shares and Innovative Finance. However, this leaves the question of how to choose what works best for you?

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