Answers · UK 2025/26
How do I transfer my UK ISA to a new provider?
Use the new provider's "ISA transfer" form — never withdraw and re-deposit (that resets your allowance). Cash ISA to Cash ISA transfers must complete within 15 working days; Cash to Stocks (or vice versa) within 30 days. Transfers don't count against your annual allowance.
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UK ISA transfer rules 2025/26. Always transfer via the receiving provider's ISA transfer form — never withdraw the funds yourself and re-deposit; doing so means the deposit counts towards your current year allowance (and the withdrawn amount loses its tax-free status forever). Allowed transfers: between same-type providers (Cash to Cash, Stocks to Stocks), or between types (Cash to Stocks & Shares, S&S to Cash, Cash to LISA — subject to LISA rules). Transfer rules by type: same-type Cash ISA — must complete within 15 working days. Different type or to S&S — within 30 calendar days. Compensation: if delayed beyond statutory limits, you can claim missed interest from the delaying provider. Partial vs full transfers: current-year ISA must be transferred in full; previous-year ISAs can be partially transferred. Lifetime ISA transfers: only one LISA provider at a time receives contributions; transferring an existing LISA to another LISA provider is allowed, but transferring out of LISA to a non-LISA ISA before age 60 or first-home purchase triggers the 25% withdrawal penalty. From April 2024 you can also pay into multiple same-type ISAs in one tax year, making provider switching easier.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.