{"id":467890,"date":"2022-11-16T11:59:24","date_gmt":"2022-11-16T11:59:24","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=467890"},"modified":"2026-02-02T11:07:17","modified_gmt":"2026-02-02T11:07:17","slug":"isa-transfer-rules","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\/isa-transfer-rules","title":{"rendered":"ISA transfer rules"},"content":{"rendered":"<p>Understanding how to transfer your stocks and shares ISA and what the rules are is well worth learning. Even if you don\u2019t plan on transferring right now, you may want to in future. So it\u2019s worth having an idea about the way it all works.<\/p><p>The ability to transfer your ISA gives you more flexibility with your savings and allows you to <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">find the right platform<\/a> and type of account for every stage of your life.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>An ISA transfer can involve moving to a different provider or changing to another type of ISA.<\/li>\n          <li>Transferring an ISA doesn\u2019t count as opening a new one \u2013 you can transfer an ISA and open a new ISA (of the same type) in a single tax year. But you can only pay new funds into one of them.<\/li>\n          <li>Always use the official transfer service from your provider, or you risk forfeiting tax benefits.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>How do ISA transfers work?<\/h3><p>There are a few different ways you can transfer your <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA<\/a>. The 2 main options involve transferring to a different platform or changing to another type of ISA.<\/p><p>It\u2019s definitely possible to swap and change your current ISA. But there are a number of rules and restrictions you need to know before you make any moves. Otherwise, it could be a costly mistake. You may risk forfeiting some of the tax advantages if you don\u2019t take the proper steps before going ahead with your transfer.<\/p><p>These are the main points to bear in mind about ISA transfers:<\/p><ul><li>You can transfer from one provider to another at any time.<\/li><li>Don\u2019t \u201cclose\u201d your old account. Always use the official transfer services. If you withdraw the money out of the ISA and transfer it yourself, you\u2019ll forfeit the tax benefits.<\/li><li>You\u2019re able to make as many transfers as you like.<\/li><li>If you want to, you can make a transfer to a new provider and open a new ISA account in the same tax year. But you must keep any new investments below your \u00a320,000 allowance.<\/li><\/ul><h3>What are the rules on stocks and shares ISA transfers?<\/h3><p>Here is a complete breakdown of the main rules you need to be aware of before you transfer your stocks and shares ISA:<\/p><ul><li>You can transfer your savings to the same type of ISA or a different one.<\/li><li>If you want to transfer money invested during the current tax year, you must transfer all of it.<\/li><li>For any money invested in past years, you can transfer all or part of your savings.<\/li><li>Cash ISA providers must let you transfer money out, but they don\u2019t have to allow incoming transfers.<\/li><li>Sometimes ISA platforms will have a withdrawal penalty. Especially if it\u2019s an ISA with a fixed-term interest rate, so always double-check.<\/li><li>There can be additional fees put in place by investment funds. So, it may be worth consolidating investments first before transferring.<\/li><\/ul><h3>Why would I consider transferring my ISA?<\/h3><p>There are plenty of reasons why you might want to transfer your stocks and shares ISA to a new provider or to a different type of ISA:<\/p><ul><li>Moving to a cheaper platform.<\/li><li>Consolidating and combining accounts.<\/li><li>Choosing to invest more of your money or save more cash.<\/li><li>Your current provider has poor customer service.<\/li><li>You want access to a bigger choice of investments.<\/li><li>Better interest rates elsewhere for your savings.<\/li><\/ul><h3>How to transfer your stocks and shares ISA<\/h3><p>If you want to learn the easiest way to transfer your stocks and shares ISA, just follow these simple steps:<\/p><ol><li><strong>Think about why you want to transfer.<\/strong> Understanding this will help you choose a new ISA provider that\u2019s right for you.<\/li><li><strong>Compare different ISA accounts.<\/strong> Once you know why you want to make a transfer, start taking a look at the different ISA options available that suit your goals.<\/li><li><strong>Choose whether to transfer your investments or cash.<\/strong> If you\u2019re happy with your current stocks and shares, you can do an \u201cin-specie\u201d transfer where your investments are re-registered without having to sell anything. Or, if you\u2019d rather select new investments, you can sell the investments and transfer a cash balance instead.<\/li><li><strong>Tell your new platform to carry out a transfer<\/strong>. Once you\u2019ve chosen a different place to hold your ISA, you\u2019ll have to ask them to do a transfer and fill out a transfer form.<\/li><li><strong>Wait for the transfer completion.<\/strong> The transfer times can vary, especially if your current provider decides to move slowly. But you can follow up on the transfer and once everything is sorted, make sure your new savings payment schedule is up and running.<\/li><\/ol><h3>Can you transfer one ISA to another type?<\/h3><p>Yes, this is definitely possible. For example, you can transfer your stocks and shares ISA to a cash ISA and vice versa.<\/p><h3>Do you have to transfer to the same provider?<\/h3><p>No, you can transfer your ISA to a new platform if you want.<\/p><h3>When can I transfer?<\/h3><p>You can transfer your stocks and shares ISA at any time during the tax year. There\u2019s no deadline or timeframe you have to complete a transfer by.<\/p><h3>How much can I transfer?<\/h3><p>You can transfer as much as you like, providing the amount is within your ISA allowance for this year and previous years.<\/p><h3>Transfer your stocks and shares ISA into a cash ISA<\/h3><p>Once you\u2019ve decided where you want to move your savings, you can sell your investments or transfer existing cash holdings over to a cash ISA with the same provider or to a new one.<\/p><h3>Transfer your cash ISA into a stocks and shares ISA<\/h3><p>Again, once you\u2019ve selected whether to stick with the same platform or try a new one, you can start a cash transfer. Once your savings have moved, you can decide where to invest your funds. Some stocks and shares ISA platforms will also let you select where you want to invest your cash during the transfer to streamline the process.<\/p><h3>How much does it cost to transfer your stocks and shares ISA?<\/h3><p>This will depend on your current ISA provider. Some platforms will allow you to transfer out for free, but others will charge a fee. Sometimes, charges will depend on the type of investments you have or if you\u2019ve committed to a fixed interest rate for a time. So, it\u2019s always worth checking first and looking at your specific terms.<\/p><h3>Does transferring an ISA count as opening a new one?<\/h3><p>No, an ISA transfer doesn\u2019t count as a new ISA subscription.<\/p><h3>How long does it take to transfer a stocks and shares ISA?<\/h3><p>According to the UK government, ISA transfers should take no longer than the following:<\/p><ul><li>15 working days for a transfer between cash ISAs.<\/li><li>30 calendar days for stocks and shares ISAs and other types of transfers.<\/li><\/ul><p>If your transfer is taking longer than this and your ISA provider isn\u2019t playing ball and you\u2019re unhappy with the service, you can contact the <a href=\"https:\/\/www.financial-ombudsman.org.uk\/businesses\/complaints-deal\/investments\/isa\" target=\"_blank\" rel=\"noopener\">Financial Ombudsman Service<\/a>.<\/p><h3>How many times can you transfer an ISA in a year?<\/h3><p>Technically, you can transfer your stocks and shares ISA as many times as you\u2019d like in a year. However, you probably won\u2019t want to do this frequently. And, if it takes 30 days for each transfer to complete, 12 transfers would be the maximum you could squeeze in.<\/p><h3>Does moving money between ISAs count towards your allowance?<\/h3><p>No, it doesn\u2019t. If you\u2019re transferring a stocks and shares ISA from a previous tax year, the balance you\u2019re transferring over doesn\u2019t affect your ISA allowance for the current year. But if, for example, you\u2019ve saved and invested \u00a310,000 during a tax year and make an ISA transfer during the same tax year, you\u2019d only have a \u00a310,000 allowance remaining that year.<\/p><h3>Can I transfer my ISA to someone else?<\/h3><p>Unfortunately not. The purpose of an ISA is for individual savings. So, you can\u2019t transfer the account or investments over to someone else, even to a close family member (unless you die and your surviving spouse or civil partner has an ISA with the same provider). While you\u2019re alive, you\u2019d have to withdraw all your money and then transfer that to someone else to pay in their own ISA, which means you\u2019d forfeit your tax relief on that money.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 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6.3158H15.3179ZM3.63088 12.0032V6.94983H8.68421C11.4695 6.94983 13.7375 9.21784 13.7375 12.0032C13.7375 14.7885 11.4695 17.0565 8.68421 17.0565C5.89888 17.0565 3.63088 14.7885 3.63088 12.0032ZM15.3179 17.0565C14.3022 17.0565 13.3401 16.76 12.5073 16.1985C13.6492 15.1576 14.3716 13.6655 14.3716 12C14.3716 9.79824 13.113 7.88984 11.2771 6.94667H15.3179C18.1032 6.94667 20.3712 9.21468 20.3712 12C20.3712 14.7853 18.1032 17.0533 15.3179 17.0533V17.0565Z\" fill=\"#232320\"><\/path>\n        <path d=\"M10.9808 8.88653C10.5992 8.88653 10.2427 9.03163 9.93043 9.28083C10.1859 9.47956 10.3563 9.78553 10.3563 10.1357C10.3563 10.735 9.8705 11.2208 9.27117 11.2208C9.14184 11.2208 9.02197 11.1955 8.90526 11.1545C8.85163 11.4227 8.82324 11.7066 8.82324 11.9999C8.82324 13.7191 9.78849 15.1165 10.9808 15.1165C12.1732 15.1165 13.1384 13.7222 13.1384 11.9999C13.1384 10.2776 12.1732 8.88338 10.9808 8.88338V8.88653Z\" fill=\"#232320\"><\/path>\n      <\/g>\n      <defs>\n        <clippath id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: What happens to your ISA if you move abroad?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"The exact situation will depend on your tax residency. But, if you open an ISA in the UK and then move abroad (for tax purposes), you\u2019re unable to put in more money after the current tax year.<\/p><p>When moving abroad, you have to tell your ISA provider. You are allowed to keep your ISA open and you\u2019ll still get the same tax relief benefits on cash or investments already held in your ISA while living outside the UK.<\/p><p>You\u2019re also still allowed to transfer your ISA to another provider if you move abroad and are no longer a UK tax resident. If you return to the UK, you can begin paying back into your ISA again.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Zoe Stabler DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" 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                                        <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/zoestabler\" itemprop=\"url\" target=\"_blank\">\n                                Zoe Stabler DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Senior writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Bottom line<\/h3><p>Modern technology makes it easier than ever to transfer your stocks and shares ISA or other accounts. With so many providers available, all offering a unique service, you have plenty of choices for transferring your ISA. This could be to another platform or perhaps to a different type of account like a cash ISA.<\/p><p>But before you make any moves and jump ship, double-check the rules that apply to your particular transfer situation. It\u2019s also worth making sure your current platform has no sneaky fees in the fine print.<\/p><h3 id=\"frequently_asked_questions\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can you merge ISA accounts?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, if you\u2019ve got multiple ISAs, you can do a transfer, and then merge and combine them into one account. Having all your ISA savings in one place can make things easier to manage and keep track of, along with maximising your compound interest returns.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What happens if I open 2 ISAs in one tax year?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">This is fine. But, you\u2019re not able to open more than one of each type of ISA in a tax year. So, you could open a cash ISA and a stocks and shares ISA, but you can\u2019t open 2 stocks and shares ISAs.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I transfer any type of ISA?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, this is definitely possible but the exact rules and process will depend on your individual situation and the type of ISA you\u2019re transferring from and to.<\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out what you need to know about how to transfer your stocks and shares ISA along with all the rules you need to be aware 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