ISA Transfers

If you’ve got existing ISAs, you don’t need to keep them with the current provider. By transferring your ISAs to us, you could receive a higher interest rate, and bring all of your ISAs together in one place.

If you’re curious about how to transfer an ISA and how long it will take, we’re here to help.

Best Fixed Rate Cash ISA Provider

ISAs made simple – what you need to know

An ISA, or Individual Savings Account, is just a savings account that’s permanently tax-free. You can save up to £20,000 this tax year in an ISA, but you can also boost rates on old ISAs by transferring them.

  • Each tax year (6 April to 5 April), there’s a maximum amount of money you can put in an ISA and this is called your ‘ISA allowance’. For the 2018/2019 tax year, the ISA allowance is £20,000
  • There are four types of ISA – cash ISA, stocks and shares ISA, innovative finance ISA and Lifetime ISA
  • You can save up to the full ISA allowance in one type of account (apart from the Lifetime ISA, where you can pay in a maximum of £4,000) or split the allowance across some or all of the different types of ISA. So for example, you could save £10,000 in a stocks and shares ISA and £10,000 in a cash ISA
  • Each tax year you get a new allowance, so any unused allowance from the previous tax year is lost
  • You don’t have to save with the same ISA provider that you saved previous years’ allowances with. Each new tax year’s allowance can be saved with a different provider, so you can shop around for the best rate available

Important information – ISA transfer rules

Transferring your ISA is a simple process, but there are a few rules you might need to know.

  • To maintain the tax free status on your savings, don't take the money out yourself - when opening your ISA you just need to instruct your new provider to request the transfer of the funds from your existing one 
  • If you want to transfer money you’ve saved in an ISA during the current tax year, you must transfer all of it
  • For money you’ve saved in ISAs in previous tax years, you can choose to transfer all or part of your savings
  • You can transfer your ISA savings to a different type of ISA or to the same type of ISA
  • ISA transfer timescales should be no longer than:
    • 15 working days for a cash ISA and a Lifetime ISA
    • 30 working days for a stocks and shares ISA, investments held in an innovative finance ISA and stocks and shares in a Lifetime ISA
  • Make sure you check whether you'll be charged a penalty by your current ISA provider for transferring out. For example, an interest penalty may apply on a Fixed Rate Cash ISA if you transfer out during the fixed term

How to transfer your ISA

  • To switch providers, contact the ISA provider you want to move to and check that the ISA you want to open accepts transfers, as there may be restrictions. Some accounts may only accept transfers of savings from the current year’s allowance and may not allow you to transfer savings from previous tax years
  • Once you’ve decided on your new ISA, fill out an ISA transfer form with the new provider to move your account 
    Don’t take the money out yourself, ask the new provider to transfer it. If you withdraw your money, it will lose the tax free status


If you’re ready to get started, take a look at our current interest rates. We offer unlimited transfers of previous and current tax years ISA savings into all of our Fixed Rate and Notice Cash ISAs. We’ll process the transfer electronically if we can, to make sure you get the benefit of our competitive rates as quickly as possible.

Open an account, transfer your ISA and take advantage of a smarter way to save.

Our Cash ISAs

Personal Savings

Fixed Rate Cash ISAs

  • 4.6/5 (2838 reviews)

Let’s get earning and protect your savings from the taxman. Our Fixed Rate Cash ISAs give you guaranteed interest rates over a choice of fixed terms.  And all of the interest you earn is tax free and doesn’t count towards your Personal Savings Allowance.

Up to 1.95% AER*

Personal Savings

Notice Cash ISAs

  • 4.1/5 (23 reviews)

With our Notice Cash ISA you can protect your savings from the taxman while building up your nest egg. You can add to your savings and make withdrawals whenever you like.  And what’s even better is that all the interest you earn is tax free and it doesn’t count towards your Personal Savings Allowance.

Up to 1.30% AER*

Personal Savings

Easy Access Help to Buy: ISA

  • 4.5/5 (10 reviews)

Let’s get you on the property ladder. As a first time buyer you can boost your savings with a Government Bonus and earn tax free interest as you save for your deposit.

Up to 2.00% AER*

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.


ISAs are subject to HMRC rules and regulations and these are subject to change. Further details can be found at