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​Investment ISA transfers

​Investment ISA Transfers

If you're looking to move your ISA it is important to follow the correct transfer process.

Investment Fund Supermarket ISAs

Vantage Stocks & Shares ISA

from Hargreaves Lansdown

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

Why we like it: Shelter up to £20,000 this tax year with the low cost, award-winning ISA. The UK's number 1 platform for private investors. Capital at risk

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Selected ISAs

Investment ISA

from Nutmeg

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Discretionary investment management
  • Invest From: Min. £500 single

Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that's fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk. ISA rules apply
Investment Income Plan ISAs

FTSE 100 Defensive Income Plan

from Investec

Allow ISA Transfers
Annual Income up to 6.70%
  • Counterparty: Investec Bank
  • Term: Maximum 8 years

If you’re looking for high income, then the ability to receive 6.70% per year even if the FTSE falls almost 20%, could be appealing.

  • Up to 6.70% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Alternative option also available paying up to 5.10% pa if the FTSE doesn't drop by 40% or more
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Calculate your interest with this plan

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

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

UK Conditional Quarterly Autocall Plan

from Hilbert

Allow ISA Transfers
Annual Income up to 7.00%
  • Counterparty: Citigroup
  • Term: Maximum 10 years
  • Up to 7.0% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Plan can kick out after year two if Index risen by 5% or more
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Calculate your interest with this plan

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

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Investment Growth Plan ISAs

10:10 Plan

from Mariana

Allow ISA Transfers
Maximum Potential Return 12.45% per annum
  • Counterparty: Citigroup
  • Term: Up to 10 years
  • Potential early maturity return of 12.45% x the number of years the plan has been active
  • Early maturity if FTSE 100 finishes at least 5% above initial level
  • Alternative option 1 also available offering potential 7.9% pa if FTSE finishes above reference level, decreasing from 102.5% to 82.5% of initial level over term of plan
  • Alternative option 2 also available offering potential 10.3% pa if FTSE finishes at or above start level
  • Potential for early maturity from year 2
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 30% at the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • Product designed to be held for the full term

Calculate your interest with this plan

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

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.60% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 9.60% annual growth.

  • 9.60% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Investec/Lowes 8:8 Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 7.00% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 8 years
  • 7.00% for each year (not compounded) provided the FTSE 100 finishes at or above above 92% of intitial level
  • Potential to mature early every 6 months, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Calculate your interest with this plan

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

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE 100 Step Down Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 6.75% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 6 years
  • 6.75% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Required kick out level reduces from 100% to to 80% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE 100 Defensive Step Down Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 5.65% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 6 years
  • 5.65% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Required kick out level reduces from 100% to to 65% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 40% at end of the term, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE 100 Defensive Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 6.50% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 6 years
  • 6.50% pa if FTSE 100 finishes above 90% of initial level from year 3 onwards
  • ISA transfers accepted
  • Also available to businesses, charities and trusts
  • Investment term - Up to 6 Years
  • Capital At Risk Product*
  • Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

ISA Option
Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years
  • Invest From: £10

Why we like it: Crowd2Fund’s Finance ISA is designed to make it easier for savers to invest while managing a diversified portfolio. You can transfer existing ISAs (Crowd2Fund will help you do this) and earn an estimated 8.7% APR* return tax free.

  • Currently 0% platform default rate
  • Access to your capital
  • EIS, SEIS & IFISA tax relief
  • Balance your level of risk
  • *Capital at risk
  • Peer to peer lending is not covered by the FSCS

Peer to Peer Growth IFISA

from Lending Crowd

ISA Option
Allows ISA Transfers
Interest Rate 6.00% target return
  • Term: No Fixed Term
  • Invest From: £1000

Why we like it: Earn up to £350 cashback when you invest by 14 June 2019.Terms & Conditions apply. Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £20,000 each tax year, and you don’t need to pay any personal taxes on your earnings. Lending Crowd will automatically diversify your funds across at least 20 loans through their Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.

  • No income tax or capital gains tax to pay on your profits
  • No fixed term, hold for as long as you wish
  • Also accepts ISA transfers from previous year's ISA's
  • Investments are automatically diversified across multiple business loans
  • The target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Calculate your interest with this plan

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

Peer to Peer IF ISA

from RateSetter

ISA Option
Allows ISA Transfers
Interest Rate Up to 5.30% annualised expected return
  • Term: Easy Access, 1 Year or 5 Years
  • Invest From: £10

Why we like it: New investor offer: £100 bonus when you invest £1000+ for a year. Ts & Cs apply. Peer to Peer IF ISA tax free investment. Capital and interest is only paid at the end of loan term in 2 out of the 3 markets – in the 5 year the interest is repaid in line with the investment repayment. Access your money early if funds available in market to replace withdrawal. Provision fund provides buffer against credit losses (not a guarantee). Peer to peer lending is not covered by the FSCS. Capital at risk.

  • Innovative Finance ISA - all earnings are tax free
  • Choice of three markets: Rolling, 1 Year or 5 Year
  • Annualised average target return of between 3.0% and 5.3%
  • Capital and interest is only paid at the end of loan term in 2 out of the 3 markets – in the 5 year the interest is repaid in line with the investment repayment
  • Access your money early if funds available in market to replace withdrawal
  • Provision fund provides buffer against credit losses
  • Must be aged 18 or older
  • RateSetter IF ISA is an investment, not a deposit account
  • Provision fund is not a guarantee
  • Peer to peer lending is not covered by the FSCS

Calculate your interest with this plan

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

Investment ISA Transfers

Whether you’re looking to move to another ISA with the same provider or to a new provider all together there can be advantages to transferring such as to secure a better rate or to consolidate your accounts to try and make it easier to manage your money, It is possible to transfer an investment ISA into another Investment ISA or Cash ISA, or vice versa.

ISA providers are required to allow account holders to transfer to another ISA; however it is important to note that providers do not have to permit transfers in to their products.

Providers can also impose an interest based penalty for transferring out, this means if your current provider would impose a penalty for moving, you should first calculate whether this penalty would negate the potential benefits of moving.

Transferring an Investment ISA

If you want to transfer your ISA, it is important that you follow the process; if you merely withdraw the money you will lose the tax efficient advantages.

To transfer your ISA you need to contact the ISA provider you wish to switch to and fill out an ISA transfer form, once you have sent this off the new provider will contact your current provider and arrange the transfer.

Industry guidelines currently recommend that transferring an investment ISA should take 30 days from start to finish, however as this type of ISA can contain a selection of different investment each of which potentially taking different amounts of time to or close it could take a provider longer than 30 days to prepare the money within the ISA for transfer. 

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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