Transfer your ISA

Keep your tax-efficient wrapper

Make investing easier

Transferring your ISA to us is easy. Just tell us what provider they’re with right now, and we’ll get things started.

To begin with, you need to sell your investments with existing provider to cash so they can be transferred with no risk of decreases or increases in value during the transfer. You can choose new investments when you apply for our ISA, or as soon as your transfer is complete.

Out of market

You won’t see a drop or rise in the value of your money during the transfer

Transparent charges

You pay us nothing to transfer your ISA

Expert help

You’ll get access to our funds and planning tools, with a UK-based support team

Remember, once you re-invest with our ISA, the value of those investments may go down as well as up. You may get back less money than you put in.

Why transfer your ISA to us

  • See the value of your investments on mobile, tablet or computer with the MyAviva app
  • Easy to switch between higher and lower levels of risk
  • Choose from ready-made funds for beginners, a shortlist picked by our investment professionals, and our full range available for more experienced investors
  • All funds clearly show fees and risk levels
  • Our flexible ISA lets you withdraw your money and pay it back in the same tax year, without affecting your annual allowance
  • No charge to withdraw your money
  • Pause monthly payments and re-start when you want
  • Change your investments without notice or extra fees

How to transfer

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.

Step 1

Make sure it’s right for you

Before you decide whether to transfer or not, read our important documents.

Step 2

Choose your investments

Choose as many investments funds as you like, or leave your money in cash until you’re ready.

Step 3

Start transfer

We’ll do the rest for you — transfer usually takes three to six weeks.

Fair and transparent charges

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%.

Aviva Charge (£6.67) plus Fund Charge (£5.83) equals the total charge (£12.50), as an example.

Affordable investing

Our Aviva 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 Aviva charge
First £50,000 0.40%
Next £200,000 0.35%
Next £250,000 0.25%
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 Investor 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 of your investment, rather being directly charged to your account. 

Your Aviva charge comes out of the cash in your account. We’ll pay you interest on any cash at our variable 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. For full details, see our terms and conditions.

Before you transfer

A few last things to know before you apply.

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. Keep in mind, there's no guarantee you'll be better off transferring.

If you're unsure whether or not to transfer, you may want to speak to a financial adviser. They might charge you for their advice. You can find a financial adviser to speak to at unbiased.co.uk.

How long will the transfer take?

The entire process, including transferring and re-investing your money, can take anywhere from three to six weeks. Your money is not invested while the transfer is in process, so it will not go up or down in value.

Keeping your tax benefits

You’re more likely to protect your money from Income Tax and Capital Gains Tax if you transfer your ISA directly to us. If you withdraw cash from your existing ISA and use it to set up a new ISA yourself, you may lose your benefits. 

Transferring a cash ISA

You can transfer a cash ISA into our Stocks & Shares ISA, so long as you haven’t already opened a stocks and shares ISA this tax year. A stocks and shares ISA is riskier than a cash ISA, as the value of your investment could go down as well as up. Learn more about the differences in How do ISAs work?


How to pick your funds

See what method of picking a fund might suit you best.

Ready-made funds

Choose from a range of funds fully managed by Aviva Investors — including growth funds run with varying risk levels.

See how it works

Experts' shortlist

Don't want to browse thousands of funds? Then choose from our experts' shortlist instead.

You've got passive funds which aim to track the value of a particular group of companies or markets, as well as active funds which try to beat the overall return of that market.

To make it into our shortlist, our experts at Aviva Investors believe these funds to be managed by high quality companies and fund managers with strong governance and control processes.

How the shortlist is put together

Check out the shortlist

Self-select investments

If you're confident in picking your own funds to invest in, browse the full list in our self-select investment service.

Pick your funds from sectors including equities, property, gilts and more, as well as specific fund management companies. You can even focus on ethical funds if you want.

Explore the full range

FAQs

Is my money safe to transfer?

When will I pay my first charge?

What investment funds are available?

Can I change my mind?

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.

Contact us

Still need some help? Give us a call.

0800 285 1088

Monday to Friday: 8:00am – 6:00pm

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.

Alternatively, you can email us and we’ll get back to you as soon as we can.

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.