ISA Transfer
As with everything we do at Wealthify, we’ve made the ISA transfer process as straightforward as possible. Simply fill out an ISA transfer form, choose your investment style from Cautious to Adventurous — then we do the rest.
Even though an ISA transfer to Wealthify is free, please check your current provider doesn’t charge any penalties.
You can transfer a partial amount from an existing ISA to get started. However, if you’re transferring money from an ISA you’ve opened this tax year with another provider, you must transfer the full amount.
Investing gives your money the opportunity to grow over the long term, although returns can rise and fall with market conditions. Tax on your investment depends on your individual circumstances and can change. ISA rules apply.
How to transfer your ISA
Transfer your ISA to Wealthify in three simple steps.
You transfer
Tell us how much you'd like to to transfer from an existing Cash or Stocks and Shares ISA, choose your investment style and answer our suitability quiz, and then fill out a transfer form.
We build
Our team of investment experts then get to work building your Plan, making sure it’s aligned with your chosen investment style.
We manage
Just sit back, relax, let us manage everything for you — and use our online dashboard or app to follow your Plan's performance!
Why transfer to a Wealthify Stocks and Shares ISA?
You can transfer a Cash ISA or existing Stocks and Shares ISA to a Wealthify Stocks and Shares ISA — and here are some of the reasons as to why you might.
Expertly managed
We manage your investments, freeing up more time for the things that matter to you.
Tried, tested and trusted
We're currently rated Excellent on TrustPilot (as of April 2026), and we’re proudly backed and owned by Aviva — one of the UK’s leading financial institutions.
Cost-effective
You could get lower fees than with your existing provider. We keep our management fee low and transparent: 0.6% annually, with no charges for transfers, deposits or withdrawals.
A human touch
You'll have access to an award-winning, human customer care team.
Flexibility
With our flexible Stocks and Shares ISA, you can withdraw and redeposit funds in the same tax year without affecting your annual allowance.
One dashboard
Track your savings and investments in one place, in-app or on our website.
Our awards
How your money's invested
We invest your money using passive and active investments called mutual funds.
These funds contain a collection of investments – including shares, bonds, and property – and provide the following benefits:
- A convenient, cost-effective way to invest.
- Diversification, meaning your risk is spread.
- Your money tracks entire markets, like the FTSE 100.
Even though the mix of funds will change over time, our team of experts optimise your Plan regularly, keeping it in line with your chosen investment style.
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 31st December 2025, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Original Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 |
|---|---|---|---|---|---|---|
| Cautious | 2.70% | 0.47% | -11.19% | 4.65% | 1.05% | 6.08% |
| Tentative | 3.88% | 3.72% | -10.82% | 6.21% | 3.36% | 8.02% |
| Confident | 4.87% | 6.66% | -10.33% | 7.76% | 6.09% | 9.93% |
| Ambitious | 5.11% | 9.66% | -9.39% | 9.46% | 9.10% | 11.58% |
| Adventurous | 5.06% | 12.75% | -9.14% | 11.35% | 12.27% | 12.95% |
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 28th February 2018 and 31st December 2025, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Ethical Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 |
|---|---|---|---|---|---|---|
| Cautious | 4.14% | 0.73% | -14.93% | 4.80% | 0.70% | 5.22% |
| Tentative | 6.45% | 4.11% | -15.65% | 6.85% | 2.77% | 5.75% |
| Confident | 9.04% | 7.63% | -16.51% | 8.81% | 5.01% | 6.12% |
| Ambitious | 11.16% | 11.18% | -17.42% | 11.08% | 7.34% | 5.64% |
| Adventurous | 13.43% | 14.65% | -18.72% | 13.63% | 9.98% | 5.63% |
Our customer reviews
ISA transfer blogs
ISA Transfer FAQs
Transferring from a Cash ISA typically takes around 15 days. Transferring from an existing Stocks and Shares ISA typically takes around 20 days.
No, transferring an ISA to Wealthify does not use up your ISA allowance. You’ll get to keep the remaining amount you’re entitled to.
Be cautious though; withdrawing it yourself and manually moving it to a new provider would affect your ISA allowance!
Since 6th April 2024, you can now open more than one ISA of the same type (Stocks and Shares ISAs or Cash ISAs) in the same tax year.
If you’re transferring it to a new provider, you may have a ‘new account’ open in the literal sense. But by using an official transfer process, your money is simply being moved over to a different ISA.
Yes, partial transfers are possible if it’s the money you’ve deposited in a previous tax year (before last April 6th).
No. Once we've sent your ISA transfer form to your existing provider (and they've checked all the details you've provided match), any existing investments get sold at their current value. This balance is then transferred to Wealthify and credited to your account. This means for a period of time, your ISA will be ‘out of the market’ before being reinvested by our experts in a Wealthify Plan.
We typically invest your money within two working days of receiving it. However, it may take a couple of extra days for the investments to show on your dashboard, due to the investing process.