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Fund and Share Account

Transfer investments to HL

Important information: Investing for longer increases the likelihood of positive returns. Over a period of five years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value, so you could get back less than you put in.

This isn’t personal advice – please ask us for advice if you’re not sure what's right for you. Before transferring, check for any loss of benefits or excessive exit fees.

One home for your investments

It’s easier to manage your investments when they’re in one place.

You’ll be able to track, trade or upgrade your investments, all with a single set of login details.

Tell us what you want to transfer and we’ll take care of the rest.

What investments can you transfer?

  • Funds
  • UK and overseas shares
  • Corporate and government bonds
  • Investment trusts
  • Exchange Traded Funds (ETFs)

It's free to transfer investments to us

Your current provider may charge exit fees though, so it’s worth checking with them first and comparing all charges before deciding to transfer.


View our charges
FREEto transfer

How to transfer investments

The fastest way to transfer investments to a Fund and Share Account is online.

  1. You apply to transfer
  2. We contact your provider and start the transfer
  3. We keep you updated with progress and tell you when everything arrives

Transfer now

Alternatively, you can send a transfer form by post.

Join over 1.9 million clients already with HL

  • Security - we're the largest investment platform in the UK for private investors, with £178bn in assets under administration
  • Ease - check your Fund and Share Account anytime online or with the HL app
  • Expertise - get regular investment ideas and insights from our experts
  • Award-winning - we've won over 200 awards, including Best Buy ISA 2025 and Best Customer Service 2025 by Boring Money Best Buy Awards
  • Ongoing support - speak to our UK-based customer support team if you have any questions, or pay for financial advice on how to invest

Investment transfer FAQs

  • Can you transfer shares to another person?

    Yes, shares can be transferred from one person to another. If you hold an HL Fund and Share Account, you can transfer these to another HL Fund and Share Account in someone else’s name. However, if you hold shares in an HL Stocks and Share ISA, you wouldn’t be able to transfer them directly to another person.

    Generally, you'll need to pay Capital Gains Tax (CGT) when you give away shares but only if your total gains are above the annual tax-free allowance. One exception to the CGT rule is when you ‘gift’ shares to a spouse or civil partner. Tax rules change and benefits depend on individual circumstances.

    Download the Capital Gains Tax guide

  • Can you transfer existing shares into an ISA?

    If you have shares in an HL Fund and Share Account, you can move them to an HL Stocks and Shares ISA but they need to be sold and repurchased within the ISA. This is sometimes called a Bed and ISA. You can do this as part of our share exchange service.

    If you hold certificated or unwrapped shares outside of HL, you’ll need to transfer them to an HL Fund and Share Account first.

    More on share exchange

  • How much can I transfer into a Fund and Share Account?

    There is no upper (or lower) limit on how much you can transfer into an HL Fund and Share Account. However, if you’d like to open an HL Fund and Share Account with a lump sum, the minimum amount is £1. If you’d like to set up a monthly direct debit, the minimum monthly amount is £25.

  • Is transferring shares the same as selling shares?

    Typically, there are two ways to transfer shares to another provider. You can choose a stock transfer or a cash transfer.

    With a stock transfer, your existing provider will transfer your holdings as they are (remaining invested without the need to sell your investments). When transferring as stock, you’ll typically be unable to sell your holdings during the process. For example, if you wish to protect yourself from falls or realise any gains.

    With a cash transfer, your investments will be sold, and the cash will be transferred. If you transfer as cash, you’ll be out of the market while your transfer takes place. This may work in your favour if the market falls, but if it rises you won’t benefit from any growth.

    You should check whether your existing provider charges any transfer fees before transferring.

  • Do you pay tax when transferring funds or shares?

    If you’re transferring a general investment account in your name to an HL Fund and Share Account (or vice versa) in your name as stock, then there will be no Capital Gain Tax (CGT) to pay.

    CGT is only payable when an investment is ‘realised’ or sold, and if any capital gains for the tax year exceed your annual capital gains tax allowance. Tax rules change and benefits depend on individual circumstances.

    Download the Capital Gains Tax guide

Awards

HIGHLY COMMENDED BEST FOR CLIENT COMMUNICATIONS
Boring Money 2025

BEST FOR INVESTMENT TRUSTS
Boring Money 2025 Best Buys

BEST FOR CUSTOMER SERVICE
Boring Money 2025 Best Buys

Help and support

If you have any questions about the HL Fund and Share Account, call our helpdesk or send us a message.

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