Transfer your ISA

ISA transfers allow you to move an ISA between providers so that it helps protect your money from tax.

You can transfer your ISA from another provider to Lloyds. If you already have a Lloyds ISA, you can also transfer it to another type of ISA.

However, the quickest way to move all the money from one Lloyds cash ISA to a new Lloyds cash ISA is to renew your account.

Mobile banking guide expandable section
Online banking guide expandable section
1. Have a Lloyds ISA to transfer funds to.
2. Log in to online banking.
3. Fill in the form.
4. For most transfers, use our online service. If needed, print, sign, and post your request.

You can use the app to transfer your ISA to Lloyds:

Have an ISA to transfer funds to.
Launch the app.
Select Account.
Select the 3 dots next to the ISA account you want to transfer to.
In the Pay in and out section, select 'Transfer an ISA'.
Fill in the transfer form.

Innovative finance ISA

You can't transfer from an innovative finance ISA online as they don't have a sort code and account number. Book an appointment at your local branch to transfer from an innovative finance ISA.

Let’s look at the details

What to do if you've taken money out of your existing ISA expandable section
Flexible cash ISAs

Your existing cash ISA provider will be able to tell you if your ISA is flexible. Flexible ISAs let you withdraw and replace the funds within the same tax year, keeping your allowance intact.

If you're going to transfer from a flexible ISA that you've taken money out of, you must:

reinvest withdrawn funds into your flexible ISA by the tax year’s end to preserve your allowance

reinvest funds from past tax years into your flexible ISA before transferring to us to maintain your allowance.

Other ISAs

If your ISA isn't flexible, or you're unsure if it is, speak to your current ISA provider to understand your options.

How long do ISA transfers take? expandable section

How long will it take to transfer?
Transferring from	Transferring to	Transfer time
Transferring from Lloyds cash ISA	Transferring to Lloyds cash ISA	Transfer time 7 working days
Transferring from Non-Lloyds cash ISA	Transferring to Lloyds cash ISA	Transfer time 15 working days
Transferring from Stocks & shares ISA	Transferring to Lloyds cash ISA	Transfer time 30 calendar days
Transferring from Innovative finance ISA	Transferring to Lloyds cash ISA	Transfer time 30 calendar days
Transferring from Lifetime ISA	Transferring to Lloyds cash ISA	Transfer time 30 calendar days
Transferring from Cash ISA	Transferring to Lloyds Investment ISA	Transfer time 2-3 weeks
Transferring from Stocks and shares ISA	Transferring to Lloyds Investment ISA	Transfer time 2-3 weeks
Transferring from Innovative finance ISA	Transferring to Lloyds Investment ISA	Transfer time 30 calendar days
Transferring from Lifetime ISA	Transferring to Lloyds Investment ISA	Transfer time 30 calendar days

Will I get charged to transfer my ISA to Lloyds? expandable section

We won’t charge you for transferring your ISA to us but there may be some admin charges from your current ISA provider. You may also lose any bonuses or interest you’re due on your current ISA.
Can I transfer my ISA to Lloyds at any time? expandable section

Yes, you can transfer your ISA at any time, whenever suits you. You don’t need to wait until the end of the tax year.
Can I transfer my existing easy access cash ISA with Lloyds to a fixed cash ISA? expandable section

Existing easy access cash ISA holders can renew or switch to a Fixed Rate Cash ISA anytime. You can do this by logging in to online banking. Simply select the account you want to renew and select the ‘Renew Account’ option.
Do I have to transfer all the money in my ISA? expandable section

You must transfer the full amount of this year’s ISA savings when moving funds. Transfer any portion of earlier years’ ISA savings to your new ISA. For example, keep this year’s ISA savings and transfer funds from earlier years.
I have savings in my ISA with another provider from a previous tax year. Can I transfer all of it and still use all of this year’s allowance? expandable section

Yes, transferring savings from an earlier tax year won’t affect this year’s allowance. If you haven’t paid into an ISA this tax year, you still have your £20,000 allowance.
I’ve already paid into an ISA this year with another provider. Can I transfer this and continue to save the rest of my allowance with Lloyds? expandable section

Yes, you can. Transfer your current savings and use your remaining allowance at Lloyds. For example, transfer £5,000 from another ISA and add up to £15,000 more with us this current tax year.
Can I transfer more than one ISA? expandable section

Yes, you can transfer as many ISAs to us as you like. You’ll just need to sign one form for each ISA you’re transferring.
When I transfer my ISA to Lloyds, when will the money show in my new account? expandable section

Your savings will show as a credit on the day we get it from your earlier ISA provider.

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Transfer your ISA

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