ISA transfers
ISA Transfers
Why transfer an ISA?
If you transfer one type of ISA to another, or to a different provider, the interest you earn on your savings stays tax free.
An ISA transfer is not the same as paying money in. You can transfer ISA savings from a previous tax year without affecting how much you can pay in this tax year.
Please check the terms and conditions of the ISA you’re transferring to and from, in case there are any withdrawal restrictions or charges.
ISA transfer rules
You can transfer your ISA savings between different types of ISA and different providers. Transfers don’t affect your annual ISA allowance.
Please make sure you transfer your savings using an ‘ISA transfer’ process. If you make the payment yourself, your money will lose its tax-free status.
With YBS, if you want to transfer your ISA savings from the current tax year, you must transfer the full balance.
If you’re transferring savings from a previous tax year’s allowance, you can transfer the full balance or part of it.
For more information, have a look at our guide to transferring Cash ISAs.
ISA providers have 15 working days to transfer Cash ISAs and 26 working days to transfer Stocks and Shares ISAs. By ‘working days’ we mean any day that is not a Saturday, Sunday, or bank holiday.
Cash ISA transfer process
If you want to transfer a Cash ISA to a Cash ISA with a different provider, this is how it works:
Find the Cash ISA you want to transfer your old or current Cash ISA to.
Check for any charges or terms and conditions that may affect you transferring a Cash ISA.
Contact the provider of the Cash ISA you want to transfer to.
Complete the ISA transfer form they provide you with (this is either a paper form or online form).
Do check the terms and conditions of the ISA you’re transferring to and from, in case there are any withdrawal restrictions or charges.
Do not close your account yourself and transfer the money to your new provider, as you'll lose your tax-free status.
Transfer your ISA to Yorkshire Building Society
If you don't already have an ISA with us, you'll need to open an account first. If you’re opening your account online, existing customers can arrange the ISA transfer as part of the application process. If you're new to YBS, once you've received your customer number and set up your new ISA, you can arrange the transfer. This option will be available the day after your new ISA is set up.
If you’re opening your account in a branch or by post, please complete one of the transfer request forms below and include this with your application.
Please check the terms and conditions of the ISA you’re transferring to and from, in case there are any withdrawal restrictions or charges.
If you already have a YBS ISA or multiple YBS ISAs and manage your account online, you can log in to your account to request an ISA transfer. When you log in, select 'Account Options' and then 'Manage ISA' and then select 'Transfer a YBS ISA'.
If you manage your account via one of our branches or by phone, or if your current provider doesn’t allow online transfers, please download one of the transfer forms below.
Please send your completed form (with your passbook if you have one) to the address included on the form, or take it into your nearest branch or agency.
Once the transfer is complete, we'll contact you to let you know.
Transfer your Yorkshire Building Society ISA to another provider
Please ask your new provider to arrange the ISA transfer. They'll need your 10 digit YBS account number. Once they've received your request, they'll ask us to transfer the money to your new account.
Please do not close your account yourself and transfer the money to your new provider, as you'll lose your tax-free status.
ISA providers have 15 working days to transfer Cash ISAs. Please check the terms and conditions of the ISA you’re transferring to and from, in case there are any withdrawal restrictions or charges. By ‘working days’ we mean any day that is not a Saturday, Sunday, or bank holiday.
I have two or more YBS ISAs. How do I transfer these into one YBS ISA?
If you manage your account online, you can log in to your account to request an ISA transfer. When you log in, select 'Account Options' and then 'Manage ISA' and then select 'Transfer a YBS ISA'.
If you don’t manage your account online, please download an ISA transfer form. If you would like to transfer more than one ISA, please complete a separate form for each one.
You can send it (with your passbook if you have one) to the address below or take it into your nearest branch or agency.
If you don't have access to a printer, please get in touch and we'll send a form to you.
The content on this page is for reference and does not constitute financial advice. For impartial financial advice, try MoneyHelper.
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