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Cash ISA Transfers

Get a better deal on your Cash ISA Transfer

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.10%
  • Term: 3 Years
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.05%
  • Term: 2 Year

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 0.85%
  • Term: 1 Year

Online Easy Access Cash ISA

from Cynergy Bank

Interest Rate (AER) 0.50%
  • Term: Easy Access
  • Instant access to funds
  • Open account with £500

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Easy Access Cash ISA

from Coventry Building Society

Interest Rate (AER) 0.30%
  • Term: Easy Access
  • Deposit from £1
  • Interest paid annually or monthly

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Easy Access Cash ISA

from Shawbrook Bank

Interest Rate (AER) 0.30%
  • Term: Easy Access
  • Interest can be paid monthly or annually
  • ISA transfers in allowed
  • £250,000 maximum balance
  • FSCS Protected
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant ISA Saver

from Nationwide

Interest Rate (AER) up to 0.05%
  • Term: Instant Access
  • Instant access
  • 0.01% interest on balances between £1 and £9,999, 0.03% on balances between £10,000 and £49,999, 0.05% on balances of £50,000 and above
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Must be UK resident

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 0.80%
  • Term: 2 Years
  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

3 Year Fixed Rate Cash ISA

from Shawbrook Bank

Interest Rate (AER) 0.87%
  • Term: 3 Years
  • Interest can be paid monthly or annually
  • ISA transfers in allowed
  • £250,000 maximum balance
  • FSCS Protected
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

1 Year Fixed Rate Cash ISA

from NatWest

Interest Rate (AER) 0.10%
  • Term: 1 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

1 Year Fixed Rate Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.10%
  • Term: 1 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

2 Year Fixed Rate Cash ISA

from Santander

Interest Rate (AER) Up to 0.20%
  • Term: 2 Years
  • Tax free ISA account
  • Open with £500 or transfer in existing ISA funds
  • 0.20% AER/tax-free for 2 years for savings of £500 and over if you're part of 1|2|3 World or Santander Select
  • FSCS Protected
  • 0.10% for balances of £40,000 or over, 0.01% for balances under £40,000
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.10%
  • Term: 2 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

2 Year Fixed Rate Cash ISA

from NatWest

Interest Rate (AER) 0.10%
  • Term: 2 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

Easy ISA

from Santander

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • FSCS Protected
  • 0.10% for balances of £40,000 or over, 0.01% for balances under £40,000
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant Access Cash ISA

from NatWest

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

Cash ISA Saver

from Lloyds Bank

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant Access Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Instant Access
  • Open from £1
  • Online, phone or branch access
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be a UK resident
  • Must be 16 or over

ISA Saver Variable

from Halifax

Interest Rate (AER) 0.05%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant Cash ISA

from Barclays

Interest Rate (AER) 0.02%
  • Term: Easy Access
  • Deposit from £1
  • Interest paid annually

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Cash ISA Transfer 

Keeping a close eye on cash ISA interest rates is a sensible move for savers, as it means you can be the first to take advantage of new offers. Interest rates at the time of writing are low across many providers, but even so, it's always worth making sure you're getting the best possible rate for your savings.

Transferring to a new cash ISA provider when your current rate drops can allow you to chase the best rates around and ensure you make the most of your money. But before you do anything else, make sure you keep in mind the one fundamental rule of ISA transfes:

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 cash ISA?

Thankfully, it's a lot easier than in previous years, now transfers can be made online or with a simple form and it usually takes around 15 days. Some other useful tips for transferring:

  1. Cash ISA transfers can be done at any time during the tax year. However, do be aware that some fixed-rate cash ISA providers will charge you a set amount of interest if you transfer your money away from them - for example, 30 days' interest. Therefore, before you decide to switch, it's important to consider whether moving to a better rate will cancel out any interest lost by transferring
  2. You will need to ask your new ISA provider for an ISA transfer form, which you'll need to fill in. You'll need to include details of your current ISA and send off the form to your existing ISA provider to let them know that you want to transfer. They'll then liaise with the new ISA provider, who will deal with the rest of the transfer process on your behalf
  3. Once you've 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. Once the transfer is complete, your new ISA provider will be in touch to confirm this

To summarise, while ISAs can be straight forward, there are some rules to follow and it’s useful to know thesebefore you get started:

ISA Transfer Rules

  1. The rules on ISAs have been relaxed since April 2016 and you can now choose how you split your savings. Instead of choosing one ISA, you can split your allowance between stocks and shares, innovative finance as well as cash ISAs
  2. Some accounts have penalties if you withdraw early, particularly fixed rate accounts. Be careful to check your provider’s rules as you could leave with less than you invested if you close early
  3. You must use a transfer form if you want to transfer accounts. If you don’t follow the transfer procedure and simply withdraw the money yourself then you lose all tax benefits for that year
  4. Although transferring your ISAs should take no more than 15 days although transferring from a cash ISA to a stocks and shares ISA can take longer

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

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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