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.
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.
Get 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. Unlike a cash ISA, a stocks and shares ISA has greater risk attached to it – as the value of your investment could go down. But it has the potential to increase in value giving you bigger returns.
We only offer a Stocks & Shares ISA, but you can learn about the different types of ISAs available by reading our ISAs Explained guide.
There are some charges associated with our Stocks & Shares ISA. Here's how they work.
We charge an annual fee for managing your investments that works tier by tier.
|Invested value||Annual charge
|Amount above £500,000||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 where money’s held before it's invested.
The cash account is where your money is held until you allocate it to investment funds. We pay interest on money held in the cash account at our variable rate. If the variable interest rate is less than what we charge for managing your stocks & shares ISA/Aviva Investment Account , the amount in the cash account will go down.
If there's not enough money in the cash account to pay your charges, we’ll automatically take the money from your investments. But don't worry, we’ll always let you know before we do this. See our terms and conditions for full details.
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.
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?
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 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.
Make sure it’s right for you
Before you transfer to our Stocks & Shares ISA, you should read:
These important documents explain the basis of the agreement you’ll be entering into.
Choose your investments
Choose between our 4 ready-made growth funds, our shortlist of 70 options, or a full selection of funds.
Want to decide later? No problem, you can leave your money in a cash account until you’re ready.
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.
Take a look at our latest news and guides.
Don’t lose your ISA allowance
Your ISA allowance is 'use-it-or lose-it'. Find out how to make the most of your 2019-20 allowance.
Discover the tax-free junior ISA (JISA)
We all want our children to have the best start in life, with a Junior ISA, they can look forward to a cash sum at 18 and a brighter future. Find out more here.
How do ISAs work?
Our guide to how ISAs work, your annual allowance and the types of ISA to choose from.
Investing terms explained
Getting confused with investing jargon? Here’s our helpful guide to the terms you need to know.
Risks and rewards of investing
Our guide to the pros and cons of different types of investments.
How to invest money in your 50s
Our guide to reviewing your investments as you think about retirement.
Am I ready to invest?
Our guide to getting started in the world of investments.
How to invest money in your 30s
Looking at your investments as you take the next step of your working life.
How to invest money in your 20s
Top tips for saving and investing if you're at the start of your working life.
How to invest money in your 60s
Tips for managing your investments if you're thinking of retiring.
How to invest money in your 40s
Tips for managing your money as your career and family grow.
Still need some help? Give us a call.
Monday to Friday: 8:00am – 6:30pm
Saturday: 8:30am – 12:00pm
Telephone calls may be monitored and will be recorded and saved for at least five years. Calls to 0800 numbers from UK landlines and mobiles are free.