Personal Business COVID-19 Menu Log in Search Aviva Stocks & Shares ISA Transfer your ISA Keep your tax-efficient wrapper Our transfer process Our charges How to transfer Before you transfer Ready to transfer? Make investing easier Transferring your ISA to us is easy. Whether you're transferring cash or existing funds by unit transfer, the process is straight forward. Easier to manage With your ISAs combined, you can manage everything in one place 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, with our ISA, the value of your 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 Move cash or existing funds from previous provider without having to cash in and reinvest 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. If you are looking to complete a unit transfer you'll be guided how to complete this during the application process. There will be additional information we will need from you regarding your current investment before transferring. 1 Make sure it’s right for you Before you decide whether to transfer or not, read our important documents. 2 Choose your investments Choose as many new investment funds as you like, or leave your money in cash until you’re ready, or use unit transfer to move existing investments into your Aviva ISA. 3 Start transfer We’ll do the rest for you – transfer usually takes three to six weeks for a cash transfer and a little longer for unit transfers.. 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%. 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% You can log into your account at any time to check your exact platform charge. Investment platforms can have different types of charges and use different terms to describe them. Find out more about platform charges in this factsheet (PDF 82KB) 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? If your transfer involves transferring cash and re-investing it, it can take anywhere from three to six weeks. While the transfer is in progress your money will not be invested, so it will not go up and down in value. If you transfer the units themselves it's likely to take an extra couple of weeks. We'll need to identify and transfer the existing fund units, and can only do so where we are able to match to the same units in our range. Funds will remain invested while unit transfers take place. 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 Why choose us? We're proud owners of a Times Money Mentor Gold Award, Autumn 2020. Crowned the best investment platform in The Times Money Mentor autumn 2020 customer experience ratings Acknowledged for appealing to both beginners and more advanced investors Praised for wide range of funds, as well as ready-made portfolios FAQs Is my money safe to transfer? Up to £85,000 of your money may be protected by the Financial Services Compensation Scheme, both with your existing ISA provider and with us. This may include the entire transfer process. Check with your existing ISA provider to be sure. When will I pay my first charge? You’ll pay your Aviva charge one month after your transfer process is complete. What investment funds are available? You have access to a wide range of funds that cover different industries, different regions of the world and different assets — like stocks, gold, property and more. You can research these funds on our site and pick them yourself, or get us to do the hard work for you. Find out more. Can I change my mind? Your 14-day cancellation period starts from the day we let you know we’ve received your transfer. If you do cancel within this timeframe, 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. Important documents Before opening an Aviva Stocks & Shares ISA, take a look at these helpful documents. Stocks & Shares ISA — terms and conditions PDF (199 kB) Stock & Shares ISA — key features PDF (447 kB) External account providers and interest rate PDF (69 kB) Platform charges factsheet PDF (82 kB) Unit Transfer Guide PDF (650 kB) 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 Transfer your ISA Learn more about savings and investments Not sure if you should save or invest? Our educational articles and videos will help you learn more. Top up your knowledge Keen to open your first savings account, understand investment risk or learn all about ISAs and ethical funds? Our saving and investment articles can help beginners and keen investors understand how to manage their money. Explore our videos and guides 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. 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. 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