The value of your investment can go down as well as up and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.

How could an ISA transfer help you?

If you have a Cash Individual Savings Account (ISA), Stocks & Shares ISA, or both, we can help you transfer them to a Standard Life Stocks & Shares ISA.

There are a few reasons why an ISA transfer could benefit you:

  • Having your money in a single account can make it easier to manage.
  • You‘re looking to do more with your Cash ISA.
  • Having one account could save you money with fewer charges to pay.

We currently don’t support transfers from innovative finance ISAs, Help to Buy ISAs or Lifetime ISAs.

We also don’t offer the features of a Flexible ISA, which lets you take out and pay in money without it affecting your annual ISA allowance. If your current ISA has this feature, you risk losing it if you transfer to us.

Want to know more about what a Stocks & Shares ISA is and how they work? Visit our ‘What is an ISA?’ page to find out more.

If you already have an ISA with us you can start your transfer by logging in to your online account.

Things to think about before you transfer an ISA

  • It's worth checking with your current ISA provider if there’s a fee for transferring your money out.
  • Keep in mind that you could lose any potential growth as your money will not be invested while the transfer is processing.
  • Remember, the value of your ISA can go down as well as up, and may be worth less than you paid in.
  • You can only pay in to one Stocks & Shares ISA each tax year. So if you’ve already opened or topped up an ISA since 6 April and want to open a new one with us, you would need to transfer the full amount paid so far in this tax year or wait until the new tax year.

Laws and tax rules may change in the future. The information here is based on our understanding in April 2021. Personal circumstances also have an impact on tax treatment.

Why transfer to a Standard Life Stocks & Shares ISA?

  • Access to competitively priced funds
  • There’s no set-up fee
  • We don’t charge extra for switching funds
  • You’ll have easy access to your account through our secure online services

Investment choice when transferring your ISA to Standard Life:

  • Our Easy option: This option helps you choose a fund that is based on your attitude to risk. It's helpful if you're new to investing or don't have the time or confidence to choose your own investments. That's because the team at Aberdeen Standard Investments will manage your money according to the level of risk you've chosen.
  • Our DIY option: This option gives you the freedom to choose from the full range thousands of individual investment funds. It’s for anyone who has the time and confidence to pick and manage their own investments.
  • Keep your investments: We can transfer your money and keep it invested in the funds you had before, if we offer the same funds as your previous provider and if your previous provider allows this. This option is for savers who feel confident about managing their investments.

Keep in mind: You have the freedom to change your investments at any time.

How to start your ISA transfer

If you already have an ISA with us: you can start your transfer simply by giving us a few details:

  • The name of the existing company you’d like to transfer from, along with your account or client number with the other company
  • Roughly how much you have invested
  • How you want to invest your money with us
  • We’ll ask you to sign a transfer-in form and send it to us.

Log in to your account or register for online services to get started:

Log in or register

If you’re a new ISA customer:

If you’d like to transfer your existing ISA into a new Standard Life Stocks & Shares ISA, you can start by opening a new ISA with us today. You can invest whatever you want, up to a maximum of £20.000 per tax year.

Once you've opened your Standard Life ISA, you can request a transfer in using the online customer portal.

Open a new ISA

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Our Easy investment option
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Our do-it-yourself investment option
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Keep the same investments

Choosing where to invest


You choose which MyFolio Index Fund is right for you based on your attitude to risk.

You can choose from the full range of thousands of investment funds.

Your money will go into the same funds you had before if we offer the same funds and your previous provider allows this.

Risk level


The team at Aberdeen Standard Investments will make sure that your fund doesn’t take any more or any less risk than it should. You need to make sure you regularly review your risk level to check the fund continues to match how much risk you’re prepared and able to take.

You need to make sure you regularly review your investments to check they continue to match how much risk you’re prepared and able to take.

You need to make sure you regularly review your investments to check they continue to match how much risk you’re prepared and able to take.

2021/2022 ISA allowance


£20,000

£20,000

£20,000

How to apply


Simply apply here:

Once you've opened your new ISA with us, you can transfer in ISAs from other providers.

You can find out more about our Easy and DIY investment options here:

How to apply


Your existing provider will need to transfer your ISA in cash if you apply online.

To transfer your funds you’ll need to call us.

You can keep the same investment where we offer the same funds and if your previous provider allows this.

If you are in any doubt about transferring your ISA speak to a financial adviser. There will likely be a cost for this.

Charges are not guaranteed and may change in the future.

This ISA is arranged through and provided by Standard Life Savings Limited.

Looking to transfer ISA tax benefits following the death of your spouse or civil partner?

When an ISA holder dies, the surviving spouse or civil partner can now inherit their ISA tax benefits. This will be in the form of an additional permitted allowance equal to the value of the ISA at the holder’s death and will be in addition to the surviving spouse or civil partner’s ISA allowance.

If you want to use this additional ISA allowance please call us:

0345 271 9545

Call charges will vary.

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