Contact us about savings and investments

If you want to take any money out of your bond, please call us on 0800 206 2018 and we’ll tell you what you need to do. We're open Monday - Friday 08:00 -18:00.

You can take some or all of it, or set up regular withdrawals. Depending on how much money you take out there may be charges. If there are, we'll tell you when you call.

To find out about what tax may be payable on the money you take from your bond, download our Making withdrawals less taxing guide.

Frequently asked questions

• Can you accept forms back via email?
  No, these can only be accepted via post:
  Aviva
  PO Box 520
  Norwich
  NR1 3WG
  
  
• I want a surrender for a future date
  The Monies Out team can arrange surrenders for up to 6 months in advance.
  
  If you are completing surrender forms, please include the required date of surrender in a covering letter.
  
  
• Who can witness a signature?
  The witness must be 18 or over and not related to you. Also, they cannot be party to the plan (i.e. not a policyholder or trustee).
  
  If it’s a joint policy, the same person can witness both signatures.
  
  
• I want to cancel the surrender request
  Please call us on 0800 206 2018.
  
  
• Can you pay to third parties or ISAs?
  We may be able to pay to a solicitors, other Investment providers or registered FA's.
  
  
• Requests for payment via cheque
  This option is only available to UK residents.
  
  We will not pay to 3rd parties other than solicitors, financial advisers, bank/building societies or other insurance companies.
  
  All cheques will be made payable to all policyholders. We cannot make a cheque payable to a single policy owner where the policy is jointly owned.
  
  
• Requests for 50:50 split payments
  We can pay to separate bank accounts for joint policyholders. The policyholders must include in writing (on their letter or form) that they want this payment arrangement.
  
  
• Can surrendered money be paid straight into a new Aviva investment bond?
  Yes, if you are taking out a new investment with Aviva, we can pay the money directly to this policy.
  
  
• Can we pay to an international bank account?
  We will need the full bank name and address and:
  • IBAN (International Bank Account Number)
  • BIC (Bank Identifier Code) also known as Swift Code
  • Bank Account Number
  • Bank Account Name.
     
• What day’s unit price will be used?
  For an immediate surrender – The unit price used to calculate the surrender value will be the price on the day that all our documentary requirements are received to enable us to process the surrender request.
  
  For a future dated surrender – The bid price used, will be the bid price on the day the surrender is processed, as long as all the requirements have been received.
  
  
• When will you guarantee my surrender value figure?
  The value paid will be the surrender value calculated on the day we receive all our documentary requirements to enable us to process the surrender request.
  
  
• Can you provide a hypothetical chargeable gain calculation?
  If the policy has taken previous withdrawals, or this is a part surrender, call 0800 206 2018.
  
  If the policy has not taken previous withdrawals and is a full surrender, call 0800 206 2018.

If you're a policyholder you can view your policy value by visiting MyAviva.

If you're a Financial Adviser you can view your client's value by visiting Aviva Connect.

Aviva Fund Centre

Our Fund Centre gives you all the information you need about Aviva funds, including the latest daily prices, performance and details about charges. You’ll discover the fund range available under our life products, pensions and collective investments. This Fund Centre is for information purposes only, and not intended to provide investment advice.

• Fund performance
• Switching funds – under 'Platform & Investments'

With-profits funds

You can invest in our With-profits funds through an investment bond, or you may have already have a pension that offers a with-profits fund or a with-profits annuity product.

What you can do

You’ve got various options for managing your bond so it can adapt to any changes in the way you want your money to work.

Get a valuation

You can log in to your MyAviva account to find out exactly what your bond is worth. Or give us a call to find out over the phone and request a written statement.

Various factors can affect the value of your bond, including the performance of the funds you’re invested in, any withdrawals you make as well as what's happening in the economy. 

Invest more

You can’t put more money into the bond you’ve got now, but we may be able to give you preferential terms if you take out another bond with us through your financial adviser.

Before investing more you may want to review your financial plans and get advice from a financial adviser. Find out more about getting financial advice.

Change your investment funds

With a wide range of funds to choose from, you should be able to find one that satisfies your aims and attitude to risk. So whether you’re looking to take a bit more risk in exchange for potentially better growth, or less risk to try and safeguard your money, we could have a fund that suits your needs.

We may change the fund objective at any time, so you should read the current objective to make sure you're still happy with how the funds you're invested in work. To find out more about the funds available to you, please visit our fund centre.

If you're thinking about changing your investment funds, you may want to get advice on which funds could be right for you. Find out more about getting financial advice.

More on our funds

• Guaranteed
  Read about our range of guaranteed funds. These offer different levels of guarantee, so you should be able to choose the right level of risk for you.
• With-profits
  Find out more about investing in our With-profits funds.
• Aviva Fund Centre
  For more details about our full fund range and to find out about past performance, visit our fund centre. You can use this to see how our funds are doing, plus view current fund factsheets and other key documents.

The past performance figures we show are not a guide to what will happen to your investments in the future. Fund values are not guaranteed and can go down as well as up. Depending on how your funds perform, you may not get back what you originally invested.

Take money out

If you want to take any money out of your bond, please get in touch and we’ll tell you what you need to do.

You can take some or all of it, or set up regular withdrawals. Depending on how much money you take out there may be charges. If there are, we'll tell you when you call.

To find out about what tax may be payable on the money you take from your bond, download our 'Making withdrawals less taxing' guide (PDF 206 KB).

Guaranteed funds

If you’re invested in a guaranteed fund, we can only apply the money-back guarantee at your guarantee date. To make sure you benefit from the guarantee, you should wait until the fifth anniversary before taking money out.

When you take money out before the guarantee date we have to cancel units to make the payment. We then reduce the amount we guarantee to give you on your guarantee date in proportion to the number of units we’ve cancelled rather than the cash amount you withdraw, so you may get back less than you paid in.

Find your policy documents

Once you’re registered with MyAviva, you can see copies of any policy documents or statements we’ve sent you since February 2011. If you don’t have a MyAviva account or would prefer to talk to somebody, just give us a call.

Like many other investments, your bond could be subject to tax if you make a gain on a withdrawal.

We want to make sure you get the most from your bond. Here's a guide to help you save tax when making a withdrawal:
View and download Bonds Withdrawals guide (PDF 203 KB)

We've put together this guide to help you understand any information which either we of Her Majesty's Revenue and Customs (HMRC) may send you in connection with your investment and withdrawal:
View and download chargeable event document – tax document (PDF 90 KB)

If you're a policyholder you can view your policy value by visiting MyAviva.

If you're a Financial Adviser you can view your client's value by visiting Aviva Connect.

Copy trust documents

We can only provide a copy of the trust deed if we have received authority from all the Trustees to share their information with you. If not, we can send a copy of the trust to the Trustee/s or please send us a letter of authority signed by all Trustees. This should include:

Authority given to an individual:

• The bond number, the full name, address and signature of each Trustee, the full name, address, date of birth and signature of the person being given authority to receive information.

Authority given to a company eg. Solicitors or Financial Advisers:

• The bond number, the full name, address and signature of each Trustee, the full name and address of the Company they give authority to and if for a specific individual at the company only, please include their full name.

Please note: if the registered trust was not one provided by Aviva we may not have seen a copy of the original trust deed. To avoid delay you may wish to check with all interested parties first.

If you're a policyholder you can view your policy value by visiting MyAviva.

If you're a Financial Adviser you can view your client's value by visiting Aviva Connect.

Copy trust documents

We can only provide a copy of the trust deed if we have received authority from all the Trustees to share their information with you. If not, we can send a copy of the trust to the Trustee/s or please send us a letter of authority signed by all Trustees. This should include:

Authority given to an individual:

• The bond number, the full name, address and signature of each Trustee, the full name, address, date of birth and signature of the person being given authority to receive information.

Authority given to a company eg. Solicitors or Financial Advisers:

• The bond number, the full name, address and signature of each Trustee, the full name and address of the Company they give authority to and if for a specific individual at the company only, please include their full name.

Please note: if the registered trust was not one provided by Aviva we may not have seen a copy of the original trust deed. To avoid delay you may wish to check with all interested parties first.

I want to send you a Power of Attorney/Court of Protection Order/Guardianship Order. What do you need?

• If you’d like us to note a Power of Attorney (POA), Court of Protection Order or Guardianship Order, please send us a complete, clear copy of the document. You can email this to contactus@aviva.com or post to Aviva, PO Box 520, Norwich, NR1 3WG.
• If emailing, the document should be a complete, clear copy of every page. Please note we’re unable to accept zipped or password protected files or links to files for security reasons.

Office of the Public Guardian (England and Wales) online access code

• This access code is only available for POA’s registered after 1 September 2019
• The code will have been included as part of the written confirmation from the Office of the Public Guardian.
• We can accept an online access code beginning with V. Please provide the complete code. These expire 30 days after being generated so please provide it as soon as possible within the 30 days.
• To notify us of your online access code please call us on 0800 206 2018
• Please be aware, if there are any instructions or preferences included in the POA we’ll need to see a complete clear copy of the paper POA.

Identity checks (not required for Court of Protection Orders)

• We need to check each Attorney or Guardian’s identity to meet the current Financial Conduct Authorities Money Laundering Regulations. 
• The quickest way is for Aviva to complete an electronic third-party identity check. If you're happy for us to do this, you don’t need to take any action. If you don’t want us to carry out an electronic check, please call us a call on 0800 206 2018.
• Please note: an electronic check can only be carried out on someone with a UK address.
• For an Attorney or Guardian living outside the UK we’ll advise our requirements once we’ve registered the POA or Guardianship Order.
• Financial Advisers can send us an identity verification certificate for each Attorney.

I want a copy of the trust deed that’s registered with you

• We can only provide a copy of the trust deed if we have received authority from all the Trustees to share their information with you. If not, we can send a copy of the trust to the Trustee/s or please send us a letter of authority signed by all Trustees. This should include:

Authority given to an individual:

• The bond number, the full name, address and signature of each Trustee, the full name, address, date of birth and signature of the person being given authority to receive information.

Authority given to a company e.g. Solicitors or Financial Advisers:

• The bond number, the full name, address and signature of each Trustee, the full name and address of the Company they give authority to and if for a specific individual at the company only, please include their full name.

Please note: if the registered trust was not one provided by Aviva we may not have seen a copy of the original trust deed. To avoid delay you may wish to check with all interested parties first.

Do you accept documents by email

• Yes, but they are only registered as a copy and we may ask to see the originals if a claim is made.

You can log in to your MyAviva account to find out exactly what your bond is worth. Or give us a call to find out over the phone and request a written statement.

Various factors can affect the value of your bond, including the performance of the funds you’re invested in, any withdrawals you make as well as what's happening in the economy. 

You can’t put more money into the bond you’ve got now, but we may be able to give you preferential terms if you take out another bond with us through your financial adviser.

Before investing more you may want to review your financial plans and get advice from a financial adviser. Find out more about getting financial advice.

With a wide range of funds to choose from, you should be able to find one that satisfies your aims and attitude to risk. So whether you’re looking to take a bit more risk in exchange for potentially better growth, or less risk to try and safeguard your money, we could have a fund that suits your needs.

We may change the fund objective at any time, so you should read the current objective to make sure you're still happy with how the funds you're invested in work. To find out more about the funds available to you, please visit our fund centre.

If you're thinking about changing your investment funds, you may want to get advice on which funds could be right for you. Find out more about getting financial advice.

More on our funds

Guaranteed

Read about our range of guaranteed funds. These offer different levels of guarantee, so you should be able to choose the right level of risk for you.

With-profits

Find out more about investing in our With-profits funds.

Aviva Fund Centre

For more details about our full fund range and to find out about past performance, visit our fund centre. You can use this to see how our funds are doing, plus view current fund factsheets and other key documents.

The past performance figures we show are not a guide to what will happen to your investments in the future. Fund values are not guaranteed and can go down as well as up. Depending on how your funds perform, you may not get back what you originally invested.

If you want to take any money out of your bond, please get in touch and we’ll tell you what you need to do.

You can take some or all of it, or set up regular withdrawals. Depending on how much money you take out there may be charges. If there are, we'll tell you when you call.

To find out about what tax may be payable on the money you take from your bond, download our download our 'Making withdrawals less taxing' guide (PDF 193 KB).

Guaranteed funds

If you’re invested in a guaranteed fund, we can only apply the money-back guarantee at your guarantee date. To make sure you benefit from the guarantee, you should wait until the fifth anniversary before taking money out.

When you take money out before the guarantee date we have to cancel units to make the payment. We then reduce the amount we guarantee to give you on your guarantee date in proportion to the number of units we’ve cancelled rather than the cash amount you withdraw, so you may get back less than you paid in.

Once you’re registered with MyAviva, you can see copies of any policy documents or statements we’ve sent you since February 2011. If you don’t have a MyAviva account or would prefer to talk to somebody, just give us a call.