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Transfer your ISA

Making things simpler

Our investment transfer process

Transferring your ISAs and investments to our service is easy. Just tell us where they are and we’ll take care of the rest, keeping you informed every step of the way.

Clear charges

We don't charge you to transfer to us. And we’ll manage the process smoothly from start to finish.

One secure service

Manage and track your ISA easily at any time through your secure online account.

Expert insight

Get instant access to our funds, guides and planning tools, with a UK-based support team.

Remember that the value of your investments may go down as well as up, so you may get back less than you invested.

Don't lose out on the tax benefit

If your investments are already in an ISA or pension, you’ll be getting a tax benefit often called a wrapper, so you need to make sure you hold onto it. The wrapper is what keeps your investment and any returns free from Income Tax and Capital Gains Tax. So, don’t ask your current provider to cash in your existing ISA before you transfer it to us, or you’ll lose that benefit.

Transferring a cash ISA to a stocks & shares ISA

You can transfer a cash ISA into our Stocks & Shares ISA – or open one separately – as long as you only open one stocks & shares ISA each tax year. You’ll also need to stay within your overall ISA limit for the tax year. We only offer a Stocks & Shares ISA, but you can learn about the different types of ISAs available by reading our ISAs Explained guide.

Charges

There are some charges associated with our Stocks & Shares ISA. Here's how they work.

Our charge

We charge an annual fee for managing your investments that works tier by tier.

Invested value First £50,000
Next £200,000
Next £250,000
Amount above £500,000
Annual charge 0.40%
0.35%
0.25%
0%

So the charge for the first £50,000 is 0.40%, the next £200,000 is 0.35%, and so on. We calculate the cost daily and take payment monthly from your cash account 1 where money’s held before it's invested.  

We look at all of the accounts you have with the online investment service –which offers the Aviva Pension, Investment Account and Aviva Stocks & Shares ISA – when calculating your charge. 

Read our terms and conditions

Paperless promise

When you open a Stocks & Shares ISA with us, you can manage everything online – including all of your account information – free of charge. If you’d prefer to receive paper copies of any documents, we charge an extra £3 per month to cover the cost.

Fund Manager Charge

The fund or funds you choose may have an extra charge to cover the costs and expenses of managing the investments. Each fund has an individual charge which can be found in the Key Investor Information Document. This also appears as an Ongoing Charge Figure (OCF) on your statement.

Before you transfer

A few last things to know before you apply.

How long will the transfer take?

Cashing in, transferring and re-investing your money can take as long as 3 to 6 weeks. While the transfer is taking place you won’t have your money invested, so you won’t be affected by any changes in the market – good or bad.

Check with your current provider

There’s a chance your existing provider will charge a penalty when you leave – so make sure you check this with them before you transfer.

If you're unsure you may want to speak to a financial adviser who may charge for the service. You can find a financial adviser at unbiased.co.uk

When you're ready

Start your transfer online and we'll sort everything out for you. We can either allocate your funds to the ones you've picked or if you're not ready to choose straightaway, we'll hold your money in a cash account 1 until you’re ready.

If you do leave your account in cash, make sure you check the interest rate by reading through our bank interest rates information. If the interest rate is less than our charge for managing the account, the amount in the cash account will go down. See 'Charges' above for more information about what you'll pay. 

What you need to do

Transferring to us is simple. Once you've applied we'll arrange everything with your current provider.

1

Make sure it’s right for you

Before you transfer to our Stocks & Shares ISA, you should read:

Key Features 461.1 KB

Terms & Conditions 210.4 KB

These important documents explain the basis of the agreement you’ll be entering into.

2

Choose your investments

Choose between our 4 ready-made funds, our shortlist of 70 options, or a full selection of around 2,000 funds.

Want to decide later? No problem, you can leave your money in a cash account until you’re ready.

3

Apply online

Register or log in to complete our quick and easy online process in as little as 5 minutes.

Ready to transfer?

Choose one of 3 ways to invest, or open an account and choose your funds later.