
Understand the level of risk first
Investing in an ISA offers the potential for better returns than cash savings over the long term (5+ years). But there are risks, the value of your investments may go down as well as up, and you may get back less than you’ve paid in.
How to transfer your ISA to Aviva
Apply online
To keep the tax benefits of an ISA you'll need to transfer it in the right way. Just fill in our simple online form and we'll do the rest.
You can transfer either a cash ISA or stocks and shares ISA to your Aviva Stocks and Shares ISA. If you transfer from a cash ISA to a stocks and shares ISA, your money will be invested and it can down as well as up in value, and you could get back less than you transferred.
Types of transfer
You can choose a cash transfer, where any investments are sold and moved to Aviva as cash.
You may also be able to do a unit transfer, where your old investments are moved across to us. This relies on us offering the same investments. It can take longer and the value of your ISA can go up or down in the meantime.
Your existing provider may charge a penalty when you leave them – so make sure you check this before you transfer. It's always worth weighing up the management and fund charges you're paying for the ISA you want to move, and the one you're planning to transfer it into. There's also no guarantee you'll be better off by transferring.
Choose your investments
If your ISA is being transferred as cash - either from a cash ISA or if a unit transfer isn't possible - then you'll need to choose new investments. You can either do this before the transfer or decide when the cash is in your account. You can check out our easy investment options below.
Funds
- Ready-made funds – ideal if you want an easy option, these fully-managed funds have four different choices to match your risk appetite and goals.
- Experts’ Shortlist – a selection of 80 funds that experts at Aviva Investors think have the greatest chance of good income or capital growth over the long-term.
- Self-select funds - if you're an experienced investor, confident you understand risk and happy to take control, then you can buy and sell from our full list of over 5,000 funds.
Shares
- Shares - buy and sell shares in UK companies you’re interested in.
- Exchange-traded funds (ETFs) - like investment funds, these are groups of assets bundled together, but they can be bought and sold like shares.
- Investment trusts - this is a type of fund that sells shares to invest in a portfolio of assets, with the aim of producing returns.
Investment charges with our ISA
0.35% annual fee
The Aviva Charge for managing your investments is 0.35% of their value, up to £500,000. So, if you have £100,000 invested with us, you'll pay £350 a year.
Share deal for £4.99
If you buy or sell UK shares, exchange-traded funds (ETFs) or investment trusts with us you'll pay a flat fee of £4.99 per trade.
Other charges
Depending on the investments you choose, you may have other charges, like fund management charges. You can find a full list of possible charges here.
Why transfer your ISA to Aviva?

Your funds are looked after by a leading investment manager - Aviva Investors, who handle £240bn for clients around the world as at 31st March 2025.
Start your ISA from just £25 a month. Or start with a lump sum of £500, or a combination of both.
Award-winning service. We were named Best Investment ISA (Large Portfolio 2025) by YourMoney.

We know fees can be complex. We’re committed to keeping our fees clear and simple.

Important documents
Before transferring an ISA to us, please make sure you've read the key features, plus terms and conditions. You should also understand our target market statement.
We have important information for investors on exchange-traded investments (ETFs) you should check, along with our order execution policy for trading and our conflicts of interest policy. You can see how we use your data in our fair processing notice.
Learn about ISAs
We have a wide range of simple guides and calculators that can answer any questions about ISAs, so you can begin tax-free investing.

Benefits
How do ISAs work?
We'll give you the ins and outs of ISA accounts, so you can use them with confidence.
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Comparisons
Cash ISA vs stocks and shares ISA
Before you use your annual allowance learn the benefits of these different ISAs.
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Transfer
Can I transfer a cash ISA to a stocks and shares ISA?
If a cash ISA isn't suitable for your long term plan, it could be time to move it.
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Transfer
Does transferring an ISA count as opening a new one?
Understand the rules of moving your ISAs.
ISA calculator
See what your ISA could be worth over time.
Compound interest calculator
Understand how it can work to grow your savings.
Inflation calculator
Learn how inflation could impact your investments.
Frequently asked questions
What types of ISA can I transfer to Aviva?
You can transfer another stocks and shares ISA or a cash ISA into our Stocks & Shares ISA.
How long does an ISA transfer take?
It usually takes between three and six weeks in total to transfer another ISA to us. If you’re transferring your ISA in funds (known as a unit transfer) it can take slightly longer.
Can I change my mind after applying to an ISA transfer?
Your 14-day cancellation period starts from the day we let you know we’ve received your transfer. If you do cancel within these 14 days, we’ll pay back any single payments you’ve made — minus any fall in the value of your investment due to market movements, as well as any Aviva charges or fund manager charges you’ve already paid. Your existing ISA provider may not accept the transfer back, so make sure you check first.
When will I pay my first charge?
You’ll pay your Aviva Charge one month after your transfer process is complete. Learn more here.
Is my money safe to transfer?
Your money (or investments if you choose a unit transfer) will be safe during the transfer - although with a unit transfer the value of your investments can go up or down based on market movements.
Money invested through Aviva is protected by the Financial Services Compensation Scheme (FSCS). You can read more about this on the FSCS website.