ISA Transfer
- Simple: Fill out an ISA transfer form, choose your investment style – then we do the rest.
- No transfer fees: We don't charge any transfer fees. However, do check your provider for their terms.
- Partial transfers: Transfer part of your ISA to get started. Remember if you're transferring money from an ISA opened this tax year, you'll need to transfer the full amount.
With investing, your capital is at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future.
OUR AWARDS
Since 2016, we've been looking after our customers' hard-earned money and have picked up over 60 awards along the way.
How to transfer your ISA
Transfer your ISA to Wealthify in four simple steps.
You transfer
Fill out a transfer form, before choosing your investment style and how much you'd like to transfer from an existing Cash or Stocks and Shares ISA.
You answer
Answer a few questions in our suitability quiz, which helps you start an ISA that's right for your circumstances and attitude towards investing.
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 choose Wealthify?
- No experience needed: Our team of expert investors make all the investing decisions for you, so you have more time to enjoy life outside your finances.
- Low fees: Our team managing and adjusting your Plan for you, access to best-in-class funds, the ability to track your money 24/7 online or via the app, the security of your assets, and more – all included in one low fee.
- Award-winning Customer Care: Our UK-based team are always on hand to help via Live Chat, secure message, or by phone.
- Trusted: Backed by Aviva, over 60 awards to our name, 130,000+ investors with us, and an Excellent rating on Trustpilot.
Past Performance
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 30th November 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% |
Past Performance
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 28th February 2018 and 30th November 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% |
Why transfer an ISA?
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'.
You can transfer a Cash ISA or existing Stocks and Shares ISA to a Wealthify Flexible Stocks and Shares ISA — and here are some of the reasons as to why you might.
Transferring a Stocks and Shares ISA
- Tracking investment performance is easy thanks to our dashboard.
- You could get lower fees than with your existing provider.
- This means you could have more money invested for your future.
- Transferring to a flexible Stocks and Shares ISA gives you the ability to withdraw and redeposit funds in the same tax year, without impacting your annual allowance.
Transferring a Cash ISA
- A Stocks and Shares ISA gives you long-term exposure to the financial markets.
- As a result, it could provide better long-term returns than a Cash ISA.
- By transferring a Cash ISA balance via the transfer form, that money retains its tax benefits.
Capital at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future.
Things to consider
When you transfer an ISA to Wealthify, you should always use the official ISA Transfer Form to retain the ISA tax benefits.
What can you transfer?
- You can transfer any Cash ISAs or Investment ISAs (aka Stocks and Shares ISAs) you have with other providers to Wealthify.
- Transferring ISAs from previous tax years doesn’t impact your current ISA allowance at all, so you can still put up to £20,000 into an ISA this tax year.
How long will my ISA transfer take?
- Transferring from a Cash ISA typically takes around 15 days.
- Transferring from an existing Stocks and Shares ISA typically takes around 20 days.
Capital at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future.
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.
Ethical investment options
With Wealthify, investing for your future also means being able to invest in the planet's future at the same time.
That's why we've joined forces with best-in-class ethical fund providers, to create five Ethical Plans that let you invest in organisations committed to having a positive impact on society and the environment. All our fund providers are signatories of the Principles of Responsible Investing (PRI), the world’s leading proponent of responsible investing.
The actively managed ethical funds employed in plans keep a close eye on the organisations in which they invest - employing rigorous, ongoing screening to ensure ethical standards are maintained.
WEALTHIFY CUSTOMER REVIEWS
ISA Transfer FAQs
Yes, you can do an ISA transfer from your previous years' Investment ISAs, Innovative Finance ISAs, or Cash ISAs to another investment ISA provider at any time. Transfers don't impact your current year’s ISA allowance at all, so you can still invest this tax year’s full ISA limit as well as transfer existing ISAs over.
However, please ensure to use a transfer form. If you withdraw the money you pay in, you'll lose your tax-efficient benefits on that money. To arrange a transfer, simply create a Wealthify ISA Plan, then complete our simple ISA transfer form. We’ll arrange everything else.
If you’re an existing customer, simply head to your Dashboard and use the ‘transfer in’ button on your home screen. You can then choose whether you want to transfer your money into an existing Plan, or create a new one.
Our experts use a range of passive investment funds (like Mutual Funds) to build your Plan. An investment fund is a bundle of lots of individual assets (like stocks, bonds, or property) which you buy all in one go, making funds a cost-effective way to invest.
The mix of funds and investments in your Plan will depend on your attitude to risk. Low-risk Plans will contain a higher percentage of low-risk investments like bonds. Higher-risk Plans will include more shares. Since financial markets are always changing, we’ll make adjustments to the mix of investments in your Plan from time to time.
We’ve created five investment Plans – from Cautious to Adventurous – so you can choose a level of risk that’s right for you. Find out more about what’s in each of these Plans by downloading the Plan Factsheets below.
Original Plan Factsheets
Adventurous Plan [download pdf]
Ethical Plan Factsheets
Cautious Ethical Plan [download pdf]
Tentative Ethical Plan [download pdf]
Confident Ethical Plan [download pdf]
Under current tax rules, you can contribute your annual £20,000 allowance to as many Cash ISAs and Investment ISAs as you like per tax year to take advantage of your tax-efficient savings benefits (this does not include Lifetime ISAs and Junior ISAs). These ISAs can be with the same, or different providers.
You can also create as many ISA investment plans within your Wealthify account as you like in one tax year, as long as the combined total contributions you make to these plans does not exceed annual allowance. So, if you have various goals in mind, you can create different ISA pots for each one.
The ISA limit and maximum you can save each year is £20,000. The tax year runs from the 6th of April to 5th of April the following year. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
For Stocks & Shares ISA, Junior ISA & General Investment Account
We are authorised by the Financial Services Compensation Scheme (FSCS) and investments in these accounts are held by Wealthify itself. This means that in the unlikely event of Wealthify facing insolvency, up to a maximum of £85,000 of your money may be protected under the FSCS.
For Self-Invested Personal Pension customers
Our trusted custodian for pensions, Embark Investment Services Limited, hold your assets separately from Wealthify. This means Embark may offer you up to £85,000 in FSCS protection in the unlikely event they should become insolvent.
All investment customers
The Financial Services Compensation Scheme (FSCS) covers the first £85,000 of your investments. However, it’s essential to understand that the FSCS doesn’t cover you if your investments don't perform as expected (and you get back less than you originally invested). For more information, visit www.fscs.org.uk/.
Along with the FSCS cover outlined above, the companies we work with (and Wealthify itself) are regulated by the Financial Conduct Authority (FCA). All assets in our Stocks & Shares ISAs, Junior ISAs, General Investment Accounts, and Self-Invested Personal Pensions will be held in accordance with the FCA's Client Asset (CASS) rules. This means all parties hold your cash securely and separately from their own. For more information, please read Wealthify's Investment Terms and Conditions.
Your money is looked after by a team of qualified investment managers with experience in established firms all over the world. Our experts have developed an investment system that uses algorithms and industry experience to pick the best funds available to you, then builds you an investment plan that suits your goals and attitude to risk. And because things are always changing in the financial markets, our team monitors and adjusts your plan regularly, to make sure your money works as hard as you do.
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.
Wealthify considers the security of your personal information to be of the utmost importance and we take several measures to ensure it is kept safe.
Any information you provide on our website is transmitted using secure SSL technology with 256-bit encryption. Where we store sensitive information, such as passwords and bank account numbers, we use strong encryption algorithms similar to those used by the major high-street banks.
We also insist on a minimum password length and require you to use upper case letters and numbers in your password to make it more secure.
Account security is also your responsibility. You should never share your password with anyone else, or let anyone else have access to your Wealthify account.