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Transfer Cash ISA To Stocks And Shares ISA

Transfer Cash ISA To Stocks And Shares ISA

The current ISA allowance is £20,000. Use our cash ISA tables below to compare a selection of market-leading cash ISAs for instant access, fixed rates and alternative ideas to maximise your tax free returns.

Fixed Rate Cash ISAs

1 Year Triple Access Cash ISA

from Nationwide

Interest Rate (AER) 0.25%
  • Term: 1 Year, with option to make three free withdrawals
  • Make up to three withdrawals during the 12-month term of this account
  • Open with £1 or transfer in existing ISA funds
  • Manage your account online
  • Interest paid at maturity
  • FSCS Protected
  • Must be UK resident and aged 16 or older
  • Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. (variable)
  • Not available in branch

Calculate your interest with this plan

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

Transfer Cash ISA To Stocks And Shares ISA

Transferring your Cash ISA to a Stocks and Shares ISA can be done without it affecting your current annual ISA allowance, as long as you don’t withdraw the money yourself and instead follow the correct transfer procedure. The current ISA allowance is £20,000 and your total amount can be split between cash, stocks and shares and innovative finance ISAs.

Why Use a Stocks and Shares ISA?

This is becoming a popular option at a time when interest rates on ISAs and current accounts are at an all-time low. However, if this is an option you’re considering then it’s worth noting the associated risks with opening this kind of ISA.

In your Cash ISA, your money is safe and is guaranteed to incur some form of interest. However, this is not the case with Stocks and Shares ISAs. Unlike cash ISA transfers, stocks and shares ISA transfers aren't just about chasing a better return.

Funds are an easy way to begin investing or simply widening your investment horizons. Alternatively, investors who are willing to take greater risks may see better returns on their savings or see in an increase in their disposable income by buying shares in high earning companies. 

Being aware of the Risks as well as the Rewards

  • The value of investments and the income they provide can go down as well as up and you might not get back what you originally invested. You cannot cut out all risk, but you can find a balance. Just make sure you have a stable financial situation before investing
  • It’s also worth bearing in mind that if you need to access your money in the short term, a full return of capital from any investment cannot be guaranteed and there may be cost implications to sell the investments

Is it Easy to Transfer?

The transfer process has become much simpler and transferring from a cash ISA to a stocks and shares ISA is no different from the transfer process between Cash ISAs. It simply involves a form to fill in from your new provider and they take care of the rest.

Before attempting to transfer, make sure your new ISA has no restrictions on deposits minimums and takes in transfers. Transfers can take between 15-30 days.

5 Shares For Your 2021 ISA – Free Guide

Investment inspiration for this year’s ISA allowance.

It’s looking more and more likely we’re past the worst of the pandemic.

For five shares that could be worth a look in this context, download a FREE factsheet to discover Hargreaves Lansdown’s experts’ latest picks.

They include:

  • One of the world’s largest mining companies
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  • An intriguing ‘boring’ stock

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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.

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

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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