Insights for Savers

How long does an ISA transfer take?

What to expect when moving your savings

Savings 2 min read 06/05/2026

Quick answer

A typical ISA transfer takes 15–30 working days, though some providers complete previous-year ISA transfers faster.

Your money generally continues to earn interest during the move. Aldermore manages the process efficiently, so you can be confident your tax-free savings remain protected.

 

Understanding transfer timelines

  • Previous-year ISA transfers are often quicker than current-year transfers.
  • Transfers between banks may vary depending on processing times and account types.
  • Fixed-term accounts can delay transfers if early withdrawal penalties apply.

 

Interest during the transfer

Transfer type Interest during move

Notes

Easy-access ISA

 Usually continues Minimal disruption

Fixed-rate ISA

 Depends on provider   Early transfers may incur penalties

Multiple old ISAs

 Usually continues Consolidated transfers may vary

 

Factors affecting transfer duration

  • Provider processing speed
  • Type of ISA (Cash, Stocks & Shares)
  • Whether it’s a current-year or previous-year ISA
  • Completeness of documentation

 

Tips for minimising disruption

Two hikers with backpacks standing on a mountain trail, holding trekking gear against a blurred landscape background.
  • Plan transfers early in the tax year if possible
  • Use the official ISA transfer service rather than withdrawing funds
  • Check with the new provider about processing times and interest continuity

 

Frequently asked questions

Will my money stop earning interest during the transfer?

Typically, no, your savings continue to accrue interest, especially for cash ISAs. Check terms for fixed-rate accounts.

Can I track my ISA transfer?

Aldermore provides updates throughout the process, including expected completion dates.

What causes delays?

Incomplete transfer forms, account verification issues, or transfers during fixed-term ISAs can extend timelines.

 

Start your ISA transfer with Aldermore

Aldermore makes ISA transfers simple, secure, and transparent. Whether consolidating multiple old ISAs or moving current-year contributions, we help ensure your savings remain tax-free and accessible.

Find out more about transferring your ISA to Aldermore today.

Find out more about Aldermore ISAs