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Stocks and Shares ISA

Transfer to a Stocks and Shares ISA

Enjoy 40% off your account charge for up to six months when you transfer to a new HL Stocks and Shares ISA. Terms apply.

Transfer an ISA

Learn more about the HL ISA

Important information - Investing for 5+ years increases your chances of positive returns compared to cash savings. But investments rise and fall in value, so you could get back less than you put in. You’re responsible for your investment decisions. Tax benefits depend on your circumstances and rules can change. 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.

    Why transfer your ISA to HL?

    • Ease - manage your investments in one place, anytime online or with the HL app
    • Choice - pick your own investments or choose from ready-made options
    • Expertise - get investment ideas for your ISA from our award-winning team of expert analysts
    • Support - speak to our UK-based customer support team if you have any questions, or pay for financial advice on where to invest
    • Trust - as the UK's #1 investment and savings platform, we're trusted by 1.9 million clients with over £155bn of their savings and investments

Best for ISA 2025
Best for customer service 2025
Best for ISA 2025
Best for customer service 2025
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Transfer to a new HL ISA for our lowest ever account charge

Open a new HL Stocks and Shares ISA by 30 June 2025 and enjoy 40% off your account charge for up to six months.

Discounted charge applies between 1 July 2025 and 31 December 2025. Minimum £10,000 to qualify, includes transfers and cash payments.

Contact our Helpdesk for an extension if you need more time to apply to transfer. Any transfers must complete before 31 December 2025. You’ll receive a reduction on your account charge for the remainder of the offer period. See full offer terms.

Transfer to a new HL ISA

Up to 6 months' discounted account charge.

It's free to transfer an ISA to us

Your current provider may charge exit fees though, so it’s worth checking with them first - we wouldn’t want you to lose money.

Also, if you’re transferring a fixed rate cash ISA, remember that if you leave before the end of the term, you may have to pay a fee.

FREEto transfer

How to transfer an ISA

You can transfer Cash ISAs, Stocks and Shares ISAs and Innovative Finance ISAs to us. Transferring doesn't count towards your ISA allowance.

The fastest way to transfer a Stocks and Shares ISA and a Cash ISA is online. Alternatively, you can send a transfer form by post. If you’re transferring an Innovative Finance ISA you’ll need to send a transfer form by post (more information below).

Transferring a Stocks and Shares ISA

Here's how transferring a Stocks and Shares ISA works:

  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

Transfers can be made as cash or as stock. With a stock transfer, you stay invested. With a cash transfer, the investments are sold, meaning you’ll miss out on any market rises or falls throughout the transfer.

Transfer now View our charges

Transferring a Cash ISA

If you've got enough saved for a rainy day and you are happy with the risk of investing, it could be worth considering transferring a Cash ISA to a Stocks and Shares ISA.

Cash is usually best for short-term savings. But a Stocks and Shares ISA could see your money grow more over the long term. Just remember, unlike cash, investments can fall as well as rise so you could lose money.

Transfer now View our charges

Transferring an Innovative Finance ISA

You can transfer cash in an Innovative Finance ISA (also known as a peer-to-peer ISA) to a Stocks and Shares ISA.

All you need to do is send us a completed transfer form. You can leave the rest to us.

Remember you cannot transfer investments from an Innovative Finance ISA, only cash.

Find out more View our charges

ISA transfer rules

Transferring your ISA is a simple process, but there are a few rules you might need to know.

  • How much of my ISA can I transfer?

    You can move as much of your ISA as you like.

  • How long does an ISA transfer take?

    We expect transfers to take anywhere between 2-6 weeks although some transfers can be complex and take longer. Timeframes also depend on actions from your existing provider.

  • Do ISA transfers count towards my allowance?

    Transferring doesn’t count towards your ISA allowance, which is £20,000 in the 2025/2026 tax year. You can transfer all or part of an ISA at any time in the tax year.

  • Can I request a partial ISA transfer?

    Yes, you can. However, not all providers can facilitate a partial transfer so we’d recommend checking with your current provider first.

  • How do I request a partial ISA transfer?

    A partial transfer can only be requested over the phone or via a transfer form and cover letter in the post. There are specific regulations regarding this so please call our transfer helpdesk on 0117 906 7816 if you need any help.

  • Can I transfer my ISA to a family member?

    No, you can’t transfer an ISA directly to another person.

    If you want to move money from an HL Stocks and Shares ISA to a family member, you’ll need to sell your investments first. Then you can withdraw the money to your nominated bank account and pay them directly from your bank account.

  • Can I transfer shares into an ISA?

    You cannot normally transfer shares and investments into an ISA. However, you can use shares to top up an ISA by selling them in an HL Fund and Share Account and then buying them back within an ISA. This would count towards your annual ISA allowance (currently £20,000). This is sometimes called a Bed and ISA.

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