Cash ISA range

ISAs explained

Transfer a cash ISA

Transfer a cash ISA

You can transfer your cash ISA to us, or combine your Nationwide cash ISAs. Answer a few simple questions and we'll tell you what you need to do.

Do you want to open a new Nationwide cash ISA?

Are you a Nationwide customer already?

The table below lists all our cash ISAs. If you choose to apply for one of them online, we'll tell you how you can transfer in an existing cash ISA as part of your application*.

*Transferring into a Flexclusive ISA from other ISA providers as part of your application can only be done in branch. If you'd prefer to do the transfer online you can apply for a Flexclusive ISA and then transfer your ISAs into it when it's open.

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Please visit a Nationwide branch to transfer in your cash ISA.

Do you want to

Is it a

To combine your Nationwide ISAs, you need to fill out our online form. After you fill in the form, it can take up to 5 working days to combine your accounts.

If you're transferring money into a Help to Buy: ISA, it needs to be within the normal limits. These are £1,200 in the calendar month you open the account and £200 a month after that.

What you'll need

  • The account numbers of the ISAs you want to combine.
  • Your National Insurance number.

Please note: if you have a BFPO address or have been granted Power of Attorney, you can’t complete the transfer online.

You’ll need to visit a branch or request a posted application pack.

To transfer your Child Trust Fund to a Junior ISA, we need to send you a transfer pack, which can take up to 5 working days. When you receive it, fill in the included form and return it to a Nationwide branch or by post. It can take up to 5 working days from when we get the form to combine your accounts.

Is it a

It takes just a few minutes to fill in the online form to ask us to transfer your ISA to Nationwide. Transferring your ISA can take up to 15 days, but we'll keep you updated by text or email.

What you'll need

  • Your Nationwide ISA account number (if you've already opened one)
  • Your National Insurance number
  • The sort code and account number of the ISA you want to transfer to us

You'll also need to check your current provider will let you complete the transfer online - see our list of eligible providers

Please note: if you have a BFPO address or have been granted Power of Attorney, you can’t complete the transfer online.

You’ll need to visit a branch or request a posted application pack.

To transfer a Help to Buy: ISA to us, we'll need to send you a transfer pack, which you can request using our online form. We'll send it to you within 5 working days. You can return it to a Nationwide branch, or post it to us. It can take up to 15 days from when we receive your request for the transfer to be completed.

To transfer a Child Trust Fund or Junior ISA to us, we'll need to send you a transfer pack, which you can request using our online form. We'll send it to you within 5 working days. You can return it to a Nationwide branch, or post it to us. It can take up to 15 days from when we receive your request for the transfer to be completed.

Useful information

I want to transfer a stocks and shares ISA to Nationwide

If you want to transfer a stocks and shares ISA into one of our cash ISAs, you need to request a transfer pack. We'll send it to you within 5 working days. When you've completed it, you can return it by post, or to a Nationwide branch. You transfer will be completed within 30 days.

Why shouldn't I withdraw the money?

It's important that you don't withdraw the money from an ISA when transferring. If you do this, you'll lose the tax-efficient benefits. Make sure you use your new provider's transferring service.

Why should I transfer?

You may find that your existing ISAs are on a low interest rate. To make sure you benefit from new interest rates, you could transfer these ISAs to one with a higher interest rate, or one that better suits your needs. Please note that not all ISAs accept transfers in so you may need to shop around to find the right one for you.

How long will it take?

For cash ISAs, it will take up to 15 working days for us to complete your transfer once we've got your transfer request. It may take longer if your ISA funds aren't free to move or have a notice period.

For Stocks & Shares ISAs, industry guidelines recommend that the full transfer process takes 30 days from start to finish (from receipt of your application); however, you need to be aware that this can depend upon the availability of proceeds from the sale of your Stocks & Shares ISA. Stocks & Shares ISAs can include a variety of investment types which could each take different times to close down or sell, this may mean that it takes longer than 30 days for your current provider to make the proceeds available for transfer.

The industry recommendation is that the process takes 30 days if transferring in a Stocks and Shares Junior ISA or a Equity Child trust Fund (Stocks and shares). However, this will depend upon the time taken by your providers to sell the funds that you have invested in. If you are transferring in a cash Junior ISA or a cash Child Trust Fund, this process will take up to 15 days.

The good news is, thanks to our Savings Promises, your money will start earning interest as soon as we receive your transfer application provided the funds are free to move and not subject to any notice period*.

* When you transfer a Stocks & Shares ISA to us you will start earning interest as soon as we receive your application. If funds are not received within 30 days, we will stop paying interest until funds are transferred to us.

The tax information is based on our understanding of current tax rules, legislation and HM Revenue and Customs practice, all of which may change.

Stocks & Shares ISAs