Our investment transfer process
Transferring your ISA 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, the value of your investments may go down as well as up, so you may get back less money than you put in.
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 and 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
Our ISA charge is made up of two separate costs.
There's our Aviva Charge, which is up to 0.40% of the value of your investments, calculated daily and charged monthly. And your Fund Manager Charge, which depends on the funds you pick.
Here's how much you'd pay in your first month if you transferred an ISA worth £20,000, and invested in a fund with a charge of 0.35%.
Our charge is a percentage of your total investment, up to a maximum of 0.40% a year, 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 |
|First £50,000||0.40% |
|Amount above £500,000||0%|
Hold onto more of your money
Got more than one type of investment with our online investment service, including an Aviva Stocks & Shares ISA, Investment Account or Pension? The more money you invest, the more we’ll reward you with a lower percentage charge to pay overall.
It’s a great way to keep more of your hard-earned money in the long term. Find out more in our terms and conditions.
Fund Manager Charge
The fund or funds you invest in may also have an extra charge to cover the costs of managing your investments. You can see the individual charge of each fund in the Key Information Document , which you’ll see when choosing your fund. This also appears as an Ongoing Charge Figure (OCF) on your statement.
How you pay
Your fund charge is included in the price you pay for your investment , rather being directly charged to your account.
Your Aviva charge comes out of the cash in your account. You’ll get a variable interest rate which may be positive, zero or negative. Current details can be seen here.
If you don’t have enough cash in your account, some of your investments will be sold to pay for your Aviva charge instead. Don't worry – we’ll always let you know if we have do this . See our terms and conditions for full details.
Before you transfer
A few last things to know before you apply.
How long will the transfer take?
Transferring and reinvesting your money can take as long as 3-6 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
Your existing provider may charge a penalty when you leave them – so make sure you check this before you transfer.
If you're unsure whether or not to transfer, you may want to speak to a financial adviser. They might charge for their advice however. You can find a financial adviser to speak to 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 rate 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, and it takes less than five minutes to register your application. Once you've applied, we'll contact your current provider for you and take care of the rest.
Make sure it’s right for you
Read our important documents before you decide whether or not to transfer.
Choose your investments
Choose from as many investments funds as you like, or leave your money in cash until you’re ready.
We’ll do the rest for you – transfer usually takes three to six weeks.
Before opening an Aviva Stocks & Shares ISA, take a look at these helpful documents.
We also follow our 'best execution practices' as set out in our latest order execution policy. We also work hard to ensure there’s no conflict of interest between Aviva and the value of your investment, as stated in our conflicts of interest . If there's ever a conflict we can't prevent, we promise we’ll let you know.
Ready to transfer?
To start the transfer process you’ll need your:
- National insurance number at hand
- Existing plan number and details of your existing investments
- MyAviva account – registration is free and only takes a few moments if you don’t have one already
Learn more about investing
Not sure if you should invest your money? Take a look at our investment knowledge hub to learn more.
Our Investment Knowledge Hub
The world of investments can feel a bit daunting at first. That's why we set up our knowledge hub to teach you the basics before you get started, so you feel confident and ready to go.
You’ll learn what an ISA is, the different types of investment fund, how to navigate the risks and rewards of the stock market and more.
Still need some help? Give us a call.
Monday to Friday: 9:00am – 5:00pm
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.
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.