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Transfer an ISA

Looking to transfer another ISA to us? We explain why it could be more convenient to have your ISA savings in one place and outline everything you need to know.

Open an ISA
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We’ve been helping people look after their financial futures for nearly 200 years.

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Simple and straightforward

We’ll talk to your existing provider, close your old account, and move your ISA over to us. Not a customer yet? Our ISA is quick and easy to open.

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Pay less, save more

Our charges are clear, simple and competitive, so you get to keep more of your money. Plus, we won’t charge you a fee to transfer your ISA to us.

How to transfer your ISA

To transfer an ISA to us, first you need to open an abrdn ISA account – you can do this online, with as little as £1. Once you’re all set up, you can submit your transfer online. We’ll take it from there and work with your current provider to transfer your account to us.
Open an ISA to get started
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Open an ISA

Complete our online journey to open a new ISA with us.

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Submit the transfer form

Once your account is set up, you can submit a transfer request online.

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We’ll take it from there

We’ll work with your current provider to transfer your account to us.

ISA transfer rules

Below is a round-up of the what you need to know before considering transferring your ISA to us:
  • You can transfer your ISA from one provider to another at any time and as many times as you like.
  • You can transfer your savings to a different type of ISA or to the same type of ISA. For example, you can transfer your Cash ISA, Stocks and Shares ISA, or both, into an abrdn Stocks and Shares ISA. Remember that if you transfer a Cash ISA to a Stocks and Shares ISA your money will be invested. You’ll need to be comfortable that all investments can go down as well as up in value and you could get back less than you paid in.
  • You can only pay in to one Stocks and Shares ISA each tax year. So  if you’ve already opened or topped up an ISA in the current tax year and want to open a new one with us, you’d need to transfer the full amount or wait until the next tax year. If you’re transferring ISA savings from previous tax years, you can choose to transfer all or part of these.
  • If transferring from previous tax years, this won’t affect your current year’s ISA allowance.
  • You should check with your current provider if they’ll apply any fees for transferring out, or get financial advice if you’re not sure. There’s no set-up fee when you transfer an ISA to abrdn.
Open an ISA to get started

Most customers ask us…

Currently we don’t accept transfers from Innovative Finance ISAs, Help to Buy ISAs or Lifetime ISAs.
Transferring an ISA is different to taking money out of one. If you take money out of an ISA and then reinvest it, that counts towards your annual ISA allowance. But transferring allows you to still invest up to the £20,000 annual ISA allowance. For example, if you invested £3,000 in the current tax year and chose to transfer it to another ISA, you’d still have £17,000 of your allowance available to invest. But if you withdrew it and reinvested it, you’d only have £14,000 of your £20,000 allowance remaining.
If you’re transferring from a Cash ISA to a Stocks and Shares ISA, you’ll need to make sure you’re comfortable investing your money.
If you’re thinking of transferring from one ISA to another ISA, you should always look at the features and benefits of both to make sure transferring is right for you.
If you’re transferring from a Stocks and Shares ISA to our Stocks and Shares ISA as cash, your current provider will sell your investments once they receive the transfer request from us, and you’ll be out of market while the money moves across. If you’re transferring to the same investments, you won’t be out of the market.
Once the transfer has begun, you won’t be able to switch or sell your investments until the transfer is complete.
We may not offer the same investments as you have in your current ISA. If that’s the case, we’ll instruct your current ISA provider to sell the investments and transfer your ISA as cash. You’re then free to reinvest the cash into any of our available funds, either online or by calling us on 0800 027 4675.
Transferring to an abrdn Stocks and Shares ISA can take around four weeks to complete, depending on your current provider and where your money is held.
We're currently developing our ISA so that you can take out money and pay it back in without it affecting your annual ISA allowance. This is known as a Flexible ISA. If your current ISA has this feature, this won't yet be available when you transfer to us.
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Start the transfer process

First, you need to open an ISA with us.

Apply online in minutes –make sure you have your National Insurance number and debit card/bank details handy.

Open an ISA

ISA overview

Find out more about our Stocks and Shares ISA.

ISA calculator

See how much your Stocks and Shares ISA could be worth in the future.

Guides and tools

Take a look at our useful guides and tools to find out more about ISAs and investing.