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. 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.
Fair and transparent charges
Our ISA charge is made up of two simple costs.
There's our Aviva Charge, which is up to 0.40% of the value of your investments. And your Fund Manager Charge, which depends on the funds you pick.
All costs are calculated daily and charged monthly. Here's an example of how much you'd pay in your first month if you were to transfer across an ISA of £20,000 and invested in a ready-made fund with a fund charge of 0.35%.
Our competitive Aviva charge
Our charge is a percentage of your total investment, up to a maximum of 0.40%, and is based on how much you’ve invested with us. The more you invest, the lower the percentage you'll pay, as shown in the table.
|Invested value||Annual charge
|Amount above £500,000||0%|
You can log into your account at any time to check your exact charge.
One combined fee from Aviva
If you have more than one type of investment with our online investment service – including an Aviva Stocks & Shares ISA, an Aviva Investment Account or an Aviva Pension – then you’ll only pay one simple fee to use them all. It’s a great way to keep more of your hard-earned money in the long term.
Paying your fee
Your fee comes out of the cash in your account. We’ll pay you interest at our variable rate which you can see here. Please note, if the interest rate is less than our Aviva Charge, the amount in your cash account will go down.
Alternatively, this charge will come out of your investments if you don’t have enough cash in your account. Don't worry – we’ll always let you know before we do this. See our terms and conditions for full details.
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 your should read the important documents below. They explain the basis of the agreement you'll be entering in to.
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.
We will always adhere to our 'best execution practices' as set out in our latest order execution policy (PDF 149 KB). What's more we also have a policy to prevent conflicts of interest (PDF 103 KB) that might affect your investment. And if there's ever one we can't prevent we promise to let you know.
Ready to transfer?
To set up your new ISA and start the transfer process you will need:
- A MyAviva account - if you don't have one already, registration is free and only takes a few moments
- Your national insurance number at hand
- Your existing plan number and details of your existing investments
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We're sorry but we're unable to take your call right now. Due to the coronavirus outbreak, we’ve decided to close our offices to ensure the wellbeing of our employees. If you need help and support, please email us and we’ll get back to you as soon as we can. Our operators will be working during the following times:
Monday to Friday: 8:00am - 6.30pm
Saturday: 8:30am - 12:00pm
The value of your investment can go down as well as up and you could get back less than you paid in. This is not a personal recommendation. If you need a personalised recommendation based on your personal circumstances, you should seek financial advice.
Platform provider and ISA Manager: Aviva Wrap UK Limited. Registered in England No. 4470008. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 231530. Aviva UK Digital Limited introduces to Aviva Wrap UK Limited for ISAs.
Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen’s, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985.