Transfer your ISAs
Take advantage of the best discounts, best service and best prices
Bring all your ISAs into one account with the Vantage Stocks & Shares ISA. It gives you the opportunity to reduce your paperwork, save money and make your savings and investments far easier to manage. You're in control and make your own investment decisions.
Transfer your existing Stocks & Shares ISA
Every year thousands of clients transfer their investments to the Vantage service, saving themselves time and money. Here's why:
- Reduced paperwork
Twice a year we send you a single valuation for your investments showing you, at a glance, what you hold.
- Easier to manage
View all your ISA investments in one account and place dealing instructions online, 24 hours a day, 7 days a week. Alternatively you can get straight through to our experienced, Bristol-based Helpdesk on 0117 900 9000. You can also manage your ISAs by post if you prefer.
- Save money
You could receive a loyalty bonus of up to 0.5% on over 1,100 funds just for holding them in the Vantage ISA; this could save you up to £1,000 on an ISA valued at £40,000 over 10 years. What's more there's no charge to buy and sell funds and initial savings of up to 5.5% on new fund purchases and switches – you could save up to £633 on a £11,520 investment straight away. Buy and sell shares from just £5.95 per deal online and from £20 over the telephone.
- Revitalise poorly performing investments
Do you hold investments which simply aren't performing? Why not consider transferring them to Vantage and selecting a new investment? You make your own investment decisions and can choose from over 2,500 funds from all the major investment groups - Artemis, Fidelity, Invesco Perpetual, Jupiter and many more. Invest in any combination of funds, shares, investment trusts, corporate bonds, gilts and ETFs in one ISA account. You can also hold cash and then move back into the stock market when you feel the time is right. Remember, the value of investments can fall as well as rise so you could get back less than you invest.
- Easy to transfer
Transfer your ISAs and funds from over 40 fund management groups for free - find out more. If your provider is not listed you can contact our Helpdesk or your existing provider to check transfer terms. Once you have read our Terms & Conditions and Key Features simply complete our Stocks & Shares ISA transfer form and leave the rest to us.
For the majority of funds there is no additional annual management charge for the Vantage ISA. For a minority of funds (mainly tracker funds) there is a monthly platform fee of £1 or £2. For shares, most investment trusts and corporate bonds, gilts, ETFs and other investments the annual management charge is 0.5% (capped at a maximum of £45), which is deducted on a monthly basis. You can check how much you will save or whether there is a charge to hold any of your funds using our loyalty bonus calculator.
Transfer your existing Cash ISAs
If you're looking for a higher return from your Cash ISAs we can offer two options.
Transfer to the Vantage Cash ISA - you can transfer existing Cash ISAs and TESSA only ISAs to the Cash ISA to benefit from our great rates.
Transfer to the Vantage Stocks & Shares ISA - If you're happy to take more risk in search of higher returns you could consider transferring your Cash ISA to the Vantage Stocks & Shares ISA. You could then choose to select income-producing investments such as equity income or corporate bond funds, a number of which currently yield between 4% and 7% depending on the risk profile of the fund.
Alternatively, if you aren't looking for income you can choose from over 2,500 other funds, shares, investment trusts, bonds, gilts and ETFs in the Vantage Stocks & Shares ISA.
It's important to remember Cash ISAs and Stocks & Shares ISAs are different.
Stocks & Shares ISAs offer the potential for a significantly higher return for investors who are happy to forego the capital security of cash. You have immediate access to your cash in most Cash ISAs and it is guaranteed (up to £85,000). The value of investments and the income paid will fall as well as rise in a Stocks & Shares ISA so you could get back less than you invest. Interest on cash in a Cash ISA is paid gross. Within a Stocks & Shares ISA the income is only paid gross on corporate and government bonds, on everything else, including cash, the income is paid net of basic rate tax but doesn't incur higher tax rates.
Please note, you can transfer money from a Cash ISA to a Stocks & Shares ISA - but not the other way around.
If you're aware of all the risks and wish to transfer a Cash ISA to a Stocks & Shares ISA simply complete our Stocks & Shares ISA transfer form and leave the rest of the transfer legwork to us.
Please remember, the value of tax savings will depend on your circumstances and tax rules can change over time. Investments can go down in value as well as up, so you might get back less than you invest.
Voted Best Stocks and Shares ISA Provider 2012
Have a question?
If you're confused about ISAs, or have a question not covered in this section, call our friendly Helpdesk.
0117 900 9000
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Alternatively, view our ISA FAQs.