ISA Transfer Calculator UK 2026
Calculate the potential benefit of transferring your ISA to a higher-rate provider. Compare interest lost during transfer vs long-term gain from better rates.
ISA Transfer Calculator 2026
Frequently Asked Questions
How long does an ISA transfer take in the UK?
Cash ISA transfers must be completed within 15 working days by law (FCA rules). Stocks and shares ISA transfers typically take 15–30 working days, as investments must be sold (or transferred in-specie). Some providers may take longer. During the transfer period you are usually not earning interest, which is one of the costs to weigh up.
Can I transfer an ISA without losing its tax-free status?
Yes. An official ISA transfer preserves the full tax-free status of your savings. You must use the transfer service provided by your new ISA provider — never withdraw the money and redeposit it yourself, as this would use part of your annual ISA allowance (£20,000 for 2025/26) and would not be a transfer.
What is the ISA transfer rule?
You can transfer previous years' ISA savings in full or in part without affecting your current year's allowance. You can also transfer the current year's ISA, but it must be transferred in full. Since April 2024, the new ISA flexibility rules allow you to open multiple ISAs of the same type in a single tax year, making it easier to move between providers.
Can I transfer a stocks and shares ISA to a cash ISA?
Yes. You can transfer a stocks and shares ISA to a cash ISA (and vice versa) at any time without losing tax-free status. Transferring stocks to cash requires selling the investments first, which may trigger timing risks. Transferring cash to stocks is straightforward. Always use the new provider's transfer process rather than withdrawing.
Do ISA transfers count as new subscriptions?
No. Transferring existing ISA savings does not count as a new subscription and does not use any of your annual ISA allowance (£20,000 in 2025/26). Only new money paid into an ISA in the current tax year counts towards the subscription limit. This means you can transfer any amount, however large, without tax implications.