How to transfer existing Stocks and Shares ISAs
Benefits of transferring to the Stocks and Shares ISA
- Easier to manage
One set of login details to see all your ISAs together – alongside any additional accounts such as your SIPP. Manage on the go using our free smartphone or tablet apps – or by contacting our expert Helpdesk.
- Potentially improve returns
Invest in more than 3,000 funds, shares, bonds, cash and more. Whether you are a beginner or a seasoned investor, there is something for everyone. Hargreaves Lansdown experts provide investment ideas – you can even choose from a selection of readymade portfolios according to your objectives and attitude to risk. See our Wealth 50 and Master Portfolios to get started.
- Save money
No dealing charges when you buy and sell funds, plus a low-cost dividend reinvestment service. Online dealing rates are £11.95 per deal and can be as low as £5.95 per deal for frequent traders. View Stocks and Shares ISA charges
- Revitalise old Cash ISAs
With many Cash ISAs offering low interest rates, you could consider transferring to the Stocks and Shares ISA in search of higher returns. Although unlike the security offered by cash, investments will rise and fall in value, so you could get back less than you invest. If Cash ISA rates improve in the future, you also have the option to transfer back to a Cash ISA while continuing to keep the tax benefits. Tax rules can change and benefits depend on individual circumstances.
How to transfer
You can do this online or by post - and it only takes two minutes.
There is an annual charge to hold funds in the Stocks and Shares ISA. It is tiered within bands: 0.45% per annum on the first £250,000 of funds; 0.25% for funds between £250,000 and £1m; 0.1% for funds between £1m and £2m, and no charge on the value of funds over £2m. The annual charge to hold shares, investment trusts, government and company bonds, ETFs and other investments is 0.45%, capped at £45 per annum.
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