ISA Transfers
Information on ISA transfers & a free introductory call with a regulated adviser partner.

Thinking About Transferring Your ISA?

Consolidating or transferring your ISAs could make them easier to manage and help you stay on top of your savings and investments.

Share a few details below and we will arrange for a regulated adviser from one of our partner firms to contact you for a free, no-obligation conversation about your ISA transfer options.

  • ✔ Simple enquiry form – no complex jargon.
  • ✔ Speak to an FCA-authorised adviser partner.
  • ✔ No obligation to proceed and you're free to choose your own provider.

Get my Free ISA review

Complete the form and a regulated adviser partner will contact you to discuss your ISA(s) and potential transfer options.

We'll use this to arrange your call or send you a quick SMS to book a time.

By submitting this form you agree to be contacted by phone, SMS and email about ISA transfer options. You can opt out at any time. Your details will be handled in line with our Privacy Policy.

What Is an ISA Transfer?

An Individual Savings Account (ISA) is a tax-efficient way for UK residents to save or invest. You don't pay UK income tax or capital gains tax on interest, dividends or investment growth within an ISA.

An ISA transfer is when you move some or all of your existing ISA balance from one provider to another, without losing the tax-advantaged status. To keep the tax benefits, transfers must be completed using the new provider's official ISA transfer process – you should not simply withdraw the money and pay it back in yourself, as this may affect your ISA allowance and tax treatment.

Why Do People Transfer Their ISA?

People choose to transfer their ISAs for a variety of reasons, including:

  • Consolidation – combining ISAs with one provider can make it easier to manage and review performance.
  • Better rates or returns – switching to a provider offering more competitive interest rates or investment options.
  • Improved service – moving to a provider with better customer service, online tools, or mobile apps.
  • Lower fees – reducing charges and management fees can help improve your overall returns.
  • More investment choices – accessing a wider range of investment options or funds.
  • Simplified management – having all your ISAs in one place makes tracking and managing your savings simpler.

How Does an ISA Transfer Work?

The ISA transfer process is straightforward, but it's important to follow the correct steps:

  • 1
    Choose your new provider – research and select a provider that meets your needs and offers ISA transfer services.
  • 2
    Complete the transfer form – your new provider will provide a transfer form. You'll need details about your existing ISA(s), including account numbers and provider information.
  • 3
    Your new provider handles the transfer – they will contact your old provider and arrange the transfer directly. This typically takes 15-30 working days.
  • 4
    Transfer completes – your funds are moved to your new ISA, maintaining their tax-advantaged status. You'll receive confirmation from both providers.

Important Things to Consider

Before transferring your ISA, consider:

  • Transfer fees – some providers may charge exit fees when you transfer away.
  • Loss of benefits – check if you'll lose any special rates, bonuses, or benefits by transferring.
  • Investment performance – if you're transferring a Stocks & Shares ISA, consider the timing and potential impact on your investments.
  • Transfer times – transfers can take several weeks, during which time your money may not be earning interest or returns.
  • Partial transfers – you can transfer part of your ISA balance, leaving some funds with your current provider if preferred.

Frequently Asked Questions

Can I transfer my ISA to a different provider?

Yes, you can transfer your ISA to a different provider at any time. The transfer must be done through the official transfer process to maintain tax benefits.

How long does an ISA transfer take?

ISA transfers typically take 15-30 working days, though this can vary depending on the providers involved and the type of ISA.

Will I lose my ISA allowance if I transfer?

No, transferring your ISA does not affect your annual ISA allowance. The transfer doesn't count towards your current year's allowance.

Can I transfer a Cash ISA to a Stocks & Shares ISA?

Yes, you can transfer a Cash ISA to a Stocks & Shares ISA (or vice versa), but you should consider the different risk profiles and investment objectives.

Are there any fees for transferring?

Some providers may charge exit fees when you transfer away. Your new provider should be able to advise on any fees, and it's worth checking with your current provider too.

Can I transfer multiple ISAs?

Yes, you can transfer multiple ISAs from different providers into a single ISA with one provider, making it easier to manage your savings.

Important Information: This website provides general information about ISA transfers and connects you with regulated financial adviser partners. The information provided is for general guidance only and should not be considered as financial advice.

Regulated Advice: When you request a call, you will be connected with an FCA-authorised financial adviser partner who can provide personalised advice based on your individual circumstances. There is no obligation to proceed with any recommendations.

Your Choice: You are free to choose your own ISA provider and are under no obligation to use the services of any adviser partner introduced through this website.

Tax Treatment: Tax treatment depends on individual circumstances and may be subject to change. Always ensure you use the official ISA transfer process to maintain tax benefits.

Risk Warning: If you are considering transferring a Stocks & Shares ISA, remember that the value of investments can go down as well as up, and you may get back less than you invested. Past performance is not a guide to future returns.