If you'd like to transfer your fixed rate ISA to another provider when it matures, you'll need to fill in the provider's form. You may be charged an Early Access Charge (EAC) for transferring your ISA and will need to remain within your ISA allowance for the current tax year.

If you’re thinking about getting a better rate on your savings, then we offer a free savings review in branch where we can discuss how to get you a rate that suits you. Find your nearest branch (This link will open in a new window) to make an appointment.

How do I transfer my ISA?

Your new provider will give you an application form to fill in. They'll get in touch with us and you don’t need to do anything else.

You can transfer your ISA between providers without affecting your ISA allowance. If you close your ISA and then open a new one with another provider you'll lose your current allowance, so you’re encouraged to transfer so you don’t lose out on your tax-free allowance.

Notice periods or Early Access Charges

If you close a fixed rate ISA before the end of the term, you'll incur an Early Access Charge (EAC).

The penalty for withdrawing early from a Fixed Rate ISA
Product 1 Year or less 2 Years or less 3 Years 4 Years 5 Years
Fixed Rate ISA 90 days 180 days 270 days 320 days 365 days

You can transfer funds into a Help to Buy ISA, or take money out, at any time. However, your bonus is calculated on your closing balance, so if you withdraw money before that time, you wont get the bonus on the money you have taken out.

How long will the transfer take?

In line with the British Bankers Association guidelines, we’ll transfer the funds within 15 days.

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