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ISA Transfers

Compare ISA transfer options

Investment ISAs put your capital at risk & you may get back less than you originally invested

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm

Stocks & Shares ISA Transfer Cashback Offer (Terms Apply)

from Hargreaves Lansdown

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,500+ Funds
  • Invest From: £25 pm

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK.
  • Invest From: £25 pm

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

ISA Transfers

Transferring your ISA can be a savvy move for savers, especially given the instability of interest rates in the current financial climate.

By keeping a close eye on rates across the spectrum of ISA providers and transferring when your current rate drops, you can make your account work harder for you.

Transferring can make sure you’re receiving the best possible rate on offer at the time and ensures you make the most of your hard-earned savings. But before you do consider transferring, 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.

Many people have lost out on their tax-free allowance by not following the correct procedure so make sure you follow the procedure explained below.

How do I Transfer my ISA?

ISA transfers used to take longer than was practical, this left people wondering if it was worth it and not taking advantage of better deals which may have been on offer. However, 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, your 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?

Not necessarily but it is possible, depending on your provider. 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.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk

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Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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