ISA Transfer
ISA Transfer
The possibilities of an ISA transfer to another provider will depend on the terms of your ISA contract. But if you are looking to transfer your funds, you should find a provider who will allow you to:
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Transfer a lump sum, up to the limit of £7,200, from another account
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Transfer with no loss of interest
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Transfer with no fees
You should be able to do an ISA transfer to another company for free and without any loss of interest, but with some ISA accounts, however, charges and loss of interest penalties may apply. It is important to read the small print to check terms and conditions before making any decision on ISA transfers, as accounts can vary significantly from provider to provider. If there is any uncertainty about ISA transfer terms with your current product, contact the bank, building society or company that holds the ISA.
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Please bear in mind that:
Investment ISAs are designed as medium to long term investments, for example at least five years.
The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
If you choose an index-tracking trust which invests overseas, exchange rate variations may cause the value of your investment to increase or decrease.
If you unsure what Investment ISA plan is right for you speak to an independent investment adviser.