{"data":{"tab":"Learning","hideFromSearch":false,"keywords":"","pageCategory":"ISAs","headerActionButtons":[{"url":"/start-investing","name":"Open an account","target":""},{"url":"/start-investing","name":"Transfer an account","target":""}],"sidebar":[{"content":{"link":{"url":"/news","name":"View all articles"},"newsItems":[],"contentType":"latestNewsBlock","title":"Recent articles"},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"e6d77f58-9e68-48a0-8651-644c2bfa8b5c","properties":null},"blockType":"latestNewsBlock"},{"content":{"subtitle":"Our friendly team can help with any concerns you have about ISAs","title":"Speak to an expert","contentType":null,"key":"3f7bb38d-9964-408a-981f-761becdaa7eb","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"9e316d7a-98c3-450d-9256-d55da161e435","properties":null},"blockType":"contactUsBlock"},{"content":{"subtitle":"Receive the latest updates straight to your inbox.","termsConditions":"

By clicking the following button you are agreeing to our website conditions.

","thankYouText":"

Thank you for signing up. 

","title":"Get insights and events via email","contentType":null,"key":"970ba859-a05d-4048-a96c-f43b09b3d328","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"383e83d1-0c21-4fdf-9482-4f6abfe2f334","properties":null},"blockType":"newsletterSignUpBlock"}],"twitterTitle":"What are the ISA transfer rules?","twitterDescription":"Unsure what the ISA transfer rules are? Get answers to your questions with Bestinvest. Our guide covers the pros and cons, plus common mistakes to avoid.","twitterImage":null,"ogTitle":"What are the ISA transfer rules?","ogDescription":"Unsure what the ISA transfer rules are? Get answers to your questions with Bestinvest. Our guide covers the pros and cons, plus common mistakes to avoid.","ogImage":null,"metaTitle":"What are the ISA transfer rules?","pageDescription":"Unsure what the ISA transfer rules are? Get answers to your questions with Bestinvest. Our guide covers the pros and cons, plus common mistakes to avoid.","canonicalURL":null,"hideFromSitemap":false,"pageTitle":"What are the ISA transfer rules?","navigationTitle":"","umbracoNaviHide":false,"blockModules":[{"content":{"standardRiskWarnings":{"body":"

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

\n

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

","notes":"","title":"","contentType":null,"key":"cb98df25-73ed-4559-9947-d1b5ca6d169f","id":5289,"name":"4. Value and Tax","urlSegment":"4-value-and-tax","sortOrder":7,"level":3,"path":"-1,3039,5282,5289","creatorId":-1,"createDate":"2024-11-18T12:34:21Z","writerId":-1,"updateDate":"2024-11-27T15:39:16.84Z","cultures":{"":{"culture":"","name":"4. Value and Tax","urlSegment":"4-value-and-tax","date":"2024-11-18T12:34:21Z"}},"itemType":2,"parent":{"contentType":null,"key":"0ed2e80c-238d-4987-809c-90f617cb611d","id":5282,"name":"Risk Warnings","urlSegment":"risk-warnings","sortOrder":2,"level":2,"path":"-1,3039,5282","creatorId":-1,"createDate":"2024-11-13T15:36:27Z","writerId":-1,"updateDate":"2024-11-19T13:53:56.6Z","cultures":{"":{"culture":"","name":"Risk Warnings","urlSegment":"risk-warnings","date":"2024-11-13T15:36:27Z"}},"itemType":2,"parent":{"contentType":null,"key":"351bc456-be72-459b-a1fe-e9bc58c76472","id":3039,"name":"Repos","urlSegment":"repos","sortOrder":3,"level":1,"path":"-1,3039","creatorId":-1,"createDate":"2024-03-13T10:54:19Z","writerId":-1,"updateDate":"2024-04-18T14:27:21.313Z","cultures":{"":{"culture":"","name":"Repos","urlSegment":"repos","date":"2024-03-13T10:54:19Z"}},"itemType":2,"children":[{"contentType":null,"key":"383af845-1c71-44b9-b9b1-9c8ac0264491","id":3040,"name":"Modals","urlSegment":"modals","sortOrder":0,"level":2,"path":"-1,3039,3040","creatorId":-1,"createDate":"2024-03-13T10:54:32Z","writerId":-1,"updateDate":"2024-04-18T14:27:22.157Z","cultures":{"":{"culture":"","name":"Modals","urlSegment":"modals","date":"2024-03-13T10:54:32Z"}},"itemType":2,"children":[{"modalWidth":500,"text":"

Modal text

\n

Modal body text

","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"childrenForAllCultures":[{"modalWidth":500,"text":"

Modal text

\n

Modal body text

","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"properties":null}],"childrenForAllCultures":[{"contentType":null,"key":"383af845-1c71-44b9-b9b1-9c8ac0264491","id":3040,"name":"Modals","urlSegment":"modals","sortOrder":0,"level":2,"path":"-1,3039,3040","creatorId":-1,"createDate":"2024-03-13T10:54:32Z","writerId":-1,"updateDate":"2024-04-18T14:27:22.157Z","cultures":{"":{"culture":"","name":"Modals","urlSegment":"modals","date":"2024-03-13T10:54:32Z"}},"itemType":2,"children":[{"modalWidth":500,"text":"

Modal text

\n

Modal body text

","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"childrenForAllCultures":[{"modalWidth":500,"text":"

Modal text

\n

Modal body text

","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"properties":null}],"properties":null},"children":[{"body":"

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

","notes":"","title":"","contentType":null,"key":"e3d0402d-d19e-40a9-aa67-f4d859c9f63d","id":5283,"name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","sortOrder":1,"level":3,"path":"-1,3039,5282,5283","creatorId":-1,"createDate":"2024-11-13T17:21:02Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.087Z","cultures":{"":{"culture":"","name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","date":"2024-11-13T17:21:02Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The specific securities identified and described are for informational purposes only and do not represent recommendations.

","notes":"","title":"","contentType":null,"key":"a61b2ca9-4e47-45c0-9f88-b37bd14c50ad","id":5284,"name":"9. Specific securities","urlSegment":"9-specific-securities","sortOrder":2,"level":3,"path":"-1,3039,5282,5284","creatorId":-1,"createDate":"2024-11-14T10:25:23Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.29Z","cultures":{"":{"culture":"","name":"9. Specific securities","urlSegment":"9-specific-securities","date":"2024-11-14T10:25:23Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you. The Best SIPP is designed for people looking to invest at least £10,000 through any combination of one-off investments, regular contributions or transfers from other providers, over a short time frame.

","notes":"","title":"","contentType":null,"key":"7e27a9a5-560f-43ff-9a3d-2aae0cbfff00","id":5287,"name":"16. Sipps","urlSegment":"16-sipps","sortOrder":5,"level":3,"path":"-1,3039,5282,5287","creatorId":-1,"createDate":"2024-11-15T16:22:15Z","writerId":-1,"updateDate":"2025-02-03T10:55:30.657Z","cultures":{"":{"culture":"","name":"16. Sipps","urlSegment":"16-sipps","date":"2024-11-15T16:22:15Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Transfer considerations. Transfers should only be considered for pensions which do not offer any guaranteed or safeguarded benefits - not final salary or defined benefit schemes or pensions that offer particular annuity rates and other promises. You should ensure that by transferring you are not incurring unnecessary penalties, losing any benefits or features, and have considered any increase in pension charges.

","notes":"","title":"","contentType":null,"key":"ef005e57-13ee-4235-b529-6f516f67dff5","id":5288,"name":"15. Transfers","urlSegment":"15-transfers","sortOrder":6,"level":3,"path":"-1,3039,5282,5288","creatorId":-1,"createDate":"2024-11-15T16:30:51Z","writerId":-1,"updateDate":"2024-11-19T13:53:58.383Z","cultures":{"":{"culture":"","name":"15. Transfers","urlSegment":"15-transfers","date":"2024-11-15T16:30:51Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

As with all stock market investments the value of the Junior ISA can fall as well as rise and you may get back less than has been paid in.

Tax treatment depends on individual circumstances and may be subject to change in the future.

","notes":"","title":"","contentType":null,"key":"fa64cf3c-e687-4f61-87b3-f188807207f2","id":5290,"name":"10. Tax Treatment","urlSegment":"10-tax-treatment","sortOrder":8,"level":3,"path":"-1,3039,5282,5290","creatorId":-1,"createDate":"2024-11-18T16:38:18Z","writerId":-1,"updateDate":"2024-11-20T11:03:26.263Z","cultures":{"":{"culture":"","name":"10. Tax Treatment","urlSegment":"10-tax-treatment","date":"2024-11-18T16:38:18Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

With pension investment, both the money you invest and the income from it can fall in value.

Before transferring, see Transfer considerations.

","notes":"","title":"","contentType":null,"key":"182a7def-408b-4b58-b58d-1119ee33249a","id":5291,"name":"14. Pension investment","urlSegment":"14-pension-investment","sortOrder":9,"level":3,"path":"-1,3039,5282,5291","creatorId":-1,"createDate":"2024-11-18T16:43:21Z","writerId":-1,"updateDate":"2024-11-20T16:47:16.907Z","cultures":{"":{"culture":"","name":"14. Pension investment","urlSegment":"14-pension-investment","date":"2024-11-18T16:43:21Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The value of investments can fall as well as rise and that you may not get back the amount you originally invested.

\n

Nothing in these briefings is intended to constitute advice or a recommendation and you should not take any investment decision based on their content.

\n

Any opinions expressed may change or have already changed.

","notes":"","title":"","contentType":null,"key":"8e5ca4b2-4f3d-4f21-87ef-773fb88b2d56","id":5292,"name":"5. Professional advice","urlSegment":"5-professional-advice","sortOrder":10,"level":3,"path":"-1,3039,5282,5292","creatorId":-1,"createDate":"2024-11-19T14:48:27Z","writerId":-1,"updateDate":"2024-12-27T09:35:39.857Z","cultures":{"":{"culture":"","name":"5. Professional advice","urlSegment":"5-professional-advice","date":"2024-11-19T14:48:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Past performance is not a reliable indicator of future results. View full risk warning.

","notes":"","title":"","contentType":null,"key":"6d90fc31-9d2a-43ea-be14-cbb782b0d88c","id":5293,"name":"6. Full risk link","urlSegment":"6-full-risk-link","sortOrder":11,"level":3,"path":"-1,3039,5282,5293","creatorId":-1,"createDate":"2024-11-19T14:50:00Z","writerId":-1,"updateDate":"2025-03-04T14:44:19.81Z","cultures":{"":{"culture":"","name":"6. Full risk link","urlSegment":"6-full-risk-link","date":"2024-11-19T14:50:00Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Before transferring, see Transfer considerations.

","notes":"","title":"","contentType":null,"key":"b0f77c3b-ed35-490e-a324-94a0929c4e63","id":5314,"name":"1. Transfer notice","urlSegment":"1-transfer-notice","sortOrder":12,"level":3,"path":"-1,3039,5282,5314","creatorId":-1,"createDate":"2024-11-20T12:26:52Z","writerId":-1,"updateDate":"2024-11-20T12:27:04.63Z","cultures":{"":{"culture":"","name":"1. Transfer notice","urlSegment":"1-transfer-notice","date":"2024-11-20T12:26:52Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

","notes":"","title":"","contentType":null,"key":"694047db-9565-48fe-89cb-948cb96431fa","id":5455,"name":"27. Tax","urlSegment":"27-tax","sortOrder":13,"level":3,"path":"-1,3039,5282,5455","creatorId":2,"createDate":"2024-11-27T11:18:40Z","writerId":2,"updateDate":"2025-07-01T11:37:26.693Z","cultures":{"":{"culture":"","name":"27. Tax","urlSegment":"27-tax","date":"2024-11-27T11:18:40Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

Past performance is not a reliable indicator of future results.

","notes":"","title":"","contentType":null,"key":"f35cccc3-3f25-4d90-91b6-99fb42900bc2","id":5317,"name":"7. Value and past performance","urlSegment":"7-value-and-past-performance","sortOrder":14,"level":3,"path":"-1,3039,5282,5317","creatorId":-1,"createDate":"2024-11-28T14:29:54Z","writerId":-1,"updateDate":"2024-11-28T14:36:48.963Z","cultures":{"":{"culture":"","name":"7. Value and past performance","urlSegment":"7-value-and-past-performance","date":"2024-11-28T14:29:54Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

ETFs can be high risk and complex and may not be suitable for retail investors, so you should make sure you understand all the risks involved before investing.

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

","notes":"","title":"","contentType":null,"key":"73a17ba9-7ad5-4df2-850b-fff501a51c8c","id":5318,"name":"8. EFTs","urlSegment":"8-efts","sortOrder":15,"level":3,"path":"-1,3039,5282,5318","creatorId":-1,"createDate":"2024-11-28T14:36:17Z","writerId":-1,"updateDate":"2024-11-28T14:36:28.907Z","cultures":{"":{"culture":"","name":"8. EFTs","urlSegment":"8-efts","date":"2024-11-28T14:36:17Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The value of a pension can go down as well as up – and you could get less than the amount that's been put in.

You should consider charges, investment choices and any valuable benefits that could be lost before combining any pensions.

","notes":"","title":"","contentType":null,"key":"7dab519a-3e14-40d9-9ed3-cc10011cb115","id":5319,"name":"19. Pension value charges","urlSegment":"19-pension-value-charges","sortOrder":16,"level":3,"path":"-1,3039,5282,5319","creatorId":-1,"createDate":"2024-11-29T16:33:55Z","writerId":-1,"updateDate":"2024-11-29T16:34:14.5Z","cultures":{"":{"culture":"","name":"19. Pension value charges","urlSegment":"19-pension-value-charges","date":"2024-11-29T16:33:55Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The decision to access your pension is an important one and will affect your income and possibly your standard of living for years to come.

Therefore we recommend that before any decision is made you receive regulated financial advice or get free guidance from Pension Wise.

","notes":"","title":"","contentType":null,"key":"a9013543-ad91-48f8-a8b2-9d8263a1f460","id":5320,"name":"23. Pension access","urlSegment":"23-pension-access","sortOrder":17,"level":3,"path":"-1,3039,5282,5320","creatorId":-1,"createDate":"2024-11-29T16:48:05Z","writerId":-1,"updateDate":"2024-11-29T16:52:06.157Z","cultures":{"":{"culture":"","name":"23. Pension access","urlSegment":"23-pension-access","date":"2024-11-29T16:48:05Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply.

","notes":"","title":"","contentType":null,"key":"fa9a27d7-45d7-4318-b03a-41ad577dadd8","id":5321,"name":"21. Long term","urlSegment":"21-long-term","sortOrder":18,"level":3,"path":"-1,3039,5282,5321","creatorId":-1,"createDate":"2024-11-29T16:56:27Z","writerId":-1,"updateDate":"2024-11-29T16:56:37.853Z","cultures":{"":{"culture":"","name":"21. Long term","urlSegment":"21-long-term","date":"2024-11-29T16:56:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Income drawdown is complex and not suitable for everyone. Your pension remains invested so your income will be affected by the value and performance of underlying assets which may fall; make sure you understand the risks and costs before you go ahead.

","notes":"","title":"","contentType":null,"key":"65982c9d-78b6-4d4d-96d5-47fc3591ea1c","id":5322,"name":"22. Income drawdown","urlSegment":"22-income-drawdown","sortOrder":19,"level":3,"path":"-1,3039,5282,5322","creatorId":-1,"createDate":"2024-11-29T16:57:54Z","writerId":-1,"updateDate":"2024-11-29T16:58:02.393Z","cultures":{"":{"culture":"","name":"22. Income drawdown","urlSegment":"22-income-drawdown","date":"2024-11-29T16:57:54Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you.

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

","notes":"","title":"","contentType":null,"key":"257e6f89-6aca-4b03-9dc2-69837bc31fa0","id":5325,"name":"24. Sipps and Tax","urlSegment":"24-sipps-and-tax","sortOrder":20,"level":3,"path":"-1,3039,5282,5325","creatorId":-1,"createDate":"2024-12-02T16:45:45Z","writerId":-1,"updateDate":"2024-12-02T16:45:55.48Z","cultures":{"":{"culture":"","name":"24. Sipps and Tax","urlSegment":"24-sipps-and-tax","date":"2024-12-02T16:45:45Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief.

Tax reliefs depend on individual circumstances and may change. They may be difficult to sell at a price close to the value of the underlying assets or at the time of your choosing. They should only form a small part of an investor’s portfolio.

You should read the relevant prospectus before making any decisions.

","notes":"","title":"","contentType":null,"key":"0201346e-2bfc-4167-9914-0af6dfcb1bab","id":5326,"name":"26. VCTs","urlSegment":"26-vcts","sortOrder":21,"level":3,"path":"-1,3039,5282,5326","creatorId":-1,"createDate":"2024-12-03T17:03:19Z","writerId":-1,"updateDate":"2024-12-03T17:03:49.053Z","cultures":{"":{"culture":"","name":"26. VCTs","urlSegment":"26-vcts","date":"2024-12-03T17:03:19Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The information and guidance provided by the coaches is not regulated by the Financial Conduct Authority.

","notes":"","title":"","contentType":null,"key":"e427eb8c-de84-4e4f-81f7-8be7d22376fc","id":5331,"name":"28. Coaches","urlSegment":"28-coaches","sortOrder":22,"level":3,"path":"-1,3039,5282,5331","creatorId":-1,"createDate":"2024-12-09T11:45:13Z","writerId":-1,"updateDate":"2024-12-09T11:45:23.713Z","cultures":{"":{"culture":"","name":"28. Coaches","urlSegment":"28-coaches","date":"2024-12-09T11:45:13Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Venture Capital Trusts (VCTs) are high-risk investments and you may get back less than invested.

","notes":"","title":"","contentType":null,"key":"da526787-844e-434d-a14e-3f3eee3464bc","id":5379,"name":"29. VCTs (Short)","urlSegment":"29-vcts-short","sortOrder":23,"level":3,"path":"-1,3039,5282,5379","creatorId":-1,"createDate":"2025-01-28T15:33:58Z","writerId":-1,"updateDate":"2025-03-04T10:09:37.15Z","cultures":{"":{"culture":"","name":"29. VCTs (Short)","urlSegment":"29-vcts-short","date":"2025-01-28T15:33:58Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief. The value of investments can fall as well as rise and you may get back less than invested.

\n

VCTs should only be considered by experienced investors once other financial planning solutions have been fully explored and should only form a small part of your portfolio.

","notes":"","title":"","contentType":null,"key":"711a2a6a-bfec-480a-8a1c-cb094abe958d","id":5390,"name":"30. VCTs 04/03/25","urlSegment":"30-vcts-040325","sortOrder":24,"level":3,"path":"-1,3039,5282,5390","creatorId":-1,"createDate":"2025-03-04T10:01:27Z","writerId":-1,"updateDate":"2025-03-04T10:02:09.007Z","cultures":{"":{"culture":"","name":"30. VCTs 04/03/25","urlSegment":"30-vcts-040325","date":"2025-03-04T10:01:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

With pension investment, both the money you invest and the income from it can fall in value.

","notes":"","title":"","contentType":null,"key":"37cf1af8-30e7-4587-b9a6-995343f0104d","id":5456,"name":"14. Pension investment (1)","urlSegment":"14-pension-investment-1","sortOrder":26,"level":3,"path":"-1,3039,5282,5456","creatorId":-1,"createDate":"2025-06-27T16:02:05Z","writerId":-1,"updateDate":"2025-07-01T14:00:53.357Z","cultures":{"":{"culture":"","name":"14. Pension investment (1)","urlSegment":"14-pension-investment-1","date":"2025-06-27T16:02:05Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"childrenForAllCultures":[{"body":"

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

","notes":"","title":"","contentType":null,"key":"e3d0402d-d19e-40a9-aa67-f4d859c9f63d","id":5283,"name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","sortOrder":1,"level":3,"path":"-1,3039,5282,5283","creatorId":-1,"createDate":"2024-11-13T17:21:02Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.087Z","cultures":{"":{"culture":"","name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","date":"2024-11-13T17:21:02Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The specific securities identified and described are for informational purposes only and do not represent recommendations.

","notes":"","title":"","contentType":null,"key":"a61b2ca9-4e47-45c0-9f88-b37bd14c50ad","id":5284,"name":"9. Specific securities","urlSegment":"9-specific-securities","sortOrder":2,"level":3,"path":"-1,3039,5282,5284","creatorId":-1,"createDate":"2024-11-14T10:25:23Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.29Z","cultures":{"":{"culture":"","name":"9. Specific securities","urlSegment":"9-specific-securities","date":"2024-11-14T10:25:23Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you. The Best SIPP is designed for people looking to invest at least £10,000 through any combination of one-off investments, regular contributions or transfers from other providers, over a short time frame.

","notes":"","title":"","contentType":null,"key":"7e27a9a5-560f-43ff-9a3d-2aae0cbfff00","id":5287,"name":"16. Sipps","urlSegment":"16-sipps","sortOrder":5,"level":3,"path":"-1,3039,5282,5287","creatorId":-1,"createDate":"2024-11-15T16:22:15Z","writerId":-1,"updateDate":"2025-02-03T10:55:30.657Z","cultures":{"":{"culture":"","name":"16. Sipps","urlSegment":"16-sipps","date":"2024-11-15T16:22:15Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Transfer considerations. Transfers should only be considered for pensions which do not offer any guaranteed or safeguarded benefits - not final salary or defined benefit schemes or pensions that offer particular annuity rates and other promises. You should ensure that by transferring you are not incurring unnecessary penalties, losing any benefits or features, and have considered any increase in pension charges.

","notes":"","title":"","contentType":null,"key":"ef005e57-13ee-4235-b529-6f516f67dff5","id":5288,"name":"15. Transfers","urlSegment":"15-transfers","sortOrder":6,"level":3,"path":"-1,3039,5282,5288","creatorId":-1,"createDate":"2024-11-15T16:30:51Z","writerId":-1,"updateDate":"2024-11-19T13:53:58.383Z","cultures":{"":{"culture":"","name":"15. Transfers","urlSegment":"15-transfers","date":"2024-11-15T16:30:51Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

As with all stock market investments the value of the Junior ISA can fall as well as rise and you may get back less than has been paid in.

Tax treatment depends on individual circumstances and may be subject to change in the future.

","notes":"","title":"","contentType":null,"key":"fa64cf3c-e687-4f61-87b3-f188807207f2","id":5290,"name":"10. Tax Treatment","urlSegment":"10-tax-treatment","sortOrder":8,"level":3,"path":"-1,3039,5282,5290","creatorId":-1,"createDate":"2024-11-18T16:38:18Z","writerId":-1,"updateDate":"2024-11-20T11:03:26.263Z","cultures":{"":{"culture":"","name":"10. Tax Treatment","urlSegment":"10-tax-treatment","date":"2024-11-18T16:38:18Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

With pension investment, both the money you invest and the income from it can fall in value.

Before transferring, see Transfer considerations.

","notes":"","title":"","contentType":null,"key":"182a7def-408b-4b58-b58d-1119ee33249a","id":5291,"name":"14. Pension investment","urlSegment":"14-pension-investment","sortOrder":9,"level":3,"path":"-1,3039,5282,5291","creatorId":-1,"createDate":"2024-11-18T16:43:21Z","writerId":-1,"updateDate":"2024-11-20T16:47:16.907Z","cultures":{"":{"culture":"","name":"14. Pension investment","urlSegment":"14-pension-investment","date":"2024-11-18T16:43:21Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The value of investments can fall as well as rise and that you may not get back the amount you originally invested.

\n

Nothing in these briefings is intended to constitute advice or a recommendation and you should not take any investment decision based on their content.

\n

Any opinions expressed may change or have already changed.

","notes":"","title":"","contentType":null,"key":"8e5ca4b2-4f3d-4f21-87ef-773fb88b2d56","id":5292,"name":"5. Professional advice","urlSegment":"5-professional-advice","sortOrder":10,"level":3,"path":"-1,3039,5282,5292","creatorId":-1,"createDate":"2024-11-19T14:48:27Z","writerId":-1,"updateDate":"2024-12-27T09:35:39.857Z","cultures":{"":{"culture":"","name":"5. Professional advice","urlSegment":"5-professional-advice","date":"2024-11-19T14:48:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Past performance is not a reliable indicator of future results. View full risk warning.

","notes":"","title":"","contentType":null,"key":"6d90fc31-9d2a-43ea-be14-cbb782b0d88c","id":5293,"name":"6. Full risk link","urlSegment":"6-full-risk-link","sortOrder":11,"level":3,"path":"-1,3039,5282,5293","creatorId":-1,"createDate":"2024-11-19T14:50:00Z","writerId":-1,"updateDate":"2025-03-04T14:44:19.81Z","cultures":{"":{"culture":"","name":"6. Full risk link","urlSegment":"6-full-risk-link","date":"2024-11-19T14:50:00Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Before transferring, see Transfer considerations.

","notes":"","title":"","contentType":null,"key":"b0f77c3b-ed35-490e-a324-94a0929c4e63","id":5314,"name":"1. Transfer notice","urlSegment":"1-transfer-notice","sortOrder":12,"level":3,"path":"-1,3039,5282,5314","creatorId":-1,"createDate":"2024-11-20T12:26:52Z","writerId":-1,"updateDate":"2024-11-20T12:27:04.63Z","cultures":{"":{"culture":"","name":"1. Transfer notice","urlSegment":"1-transfer-notice","date":"2024-11-20T12:26:52Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

","notes":"","title":"","contentType":null,"key":"694047db-9565-48fe-89cb-948cb96431fa","id":5455,"name":"27. Tax","urlSegment":"27-tax","sortOrder":13,"level":3,"path":"-1,3039,5282,5455","creatorId":2,"createDate":"2024-11-27T11:18:40Z","writerId":2,"updateDate":"2025-07-01T11:37:26.693Z","cultures":{"":{"culture":"","name":"27. Tax","urlSegment":"27-tax","date":"2024-11-27T11:18:40Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

Past performance is not a reliable indicator of future results.

","notes":"","title":"","contentType":null,"key":"f35cccc3-3f25-4d90-91b6-99fb42900bc2","id":5317,"name":"7. Value and past performance","urlSegment":"7-value-and-past-performance","sortOrder":14,"level":3,"path":"-1,3039,5282,5317","creatorId":-1,"createDate":"2024-11-28T14:29:54Z","writerId":-1,"updateDate":"2024-11-28T14:36:48.963Z","cultures":{"":{"culture":"","name":"7. Value and past performance","urlSegment":"7-value-and-past-performance","date":"2024-11-28T14:29:54Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

ETFs can be high risk and complex and may not be suitable for retail investors, so you should make sure you understand all the risks involved before investing.

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

","notes":"","title":"","contentType":null,"key":"73a17ba9-7ad5-4df2-850b-fff501a51c8c","id":5318,"name":"8. EFTs","urlSegment":"8-efts","sortOrder":15,"level":3,"path":"-1,3039,5282,5318","creatorId":-1,"createDate":"2024-11-28T14:36:17Z","writerId":-1,"updateDate":"2024-11-28T14:36:28.907Z","cultures":{"":{"culture":"","name":"8. EFTs","urlSegment":"8-efts","date":"2024-11-28T14:36:17Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The value of a pension can go down as well as up – and you could get less than the amount that's been put in.

You should consider charges, investment choices and any valuable benefits that could be lost before combining any pensions.

","notes":"","title":"","contentType":null,"key":"7dab519a-3e14-40d9-9ed3-cc10011cb115","id":5319,"name":"19. Pension value charges","urlSegment":"19-pension-value-charges","sortOrder":16,"level":3,"path":"-1,3039,5282,5319","creatorId":-1,"createDate":"2024-11-29T16:33:55Z","writerId":-1,"updateDate":"2024-11-29T16:34:14.5Z","cultures":{"":{"culture":"","name":"19. Pension value charges","urlSegment":"19-pension-value-charges","date":"2024-11-29T16:33:55Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The decision to access your pension is an important one and will affect your income and possibly your standard of living for years to come.

Therefore we recommend that before any decision is made you receive regulated financial advice or get free guidance from Pension Wise.

","notes":"","title":"","contentType":null,"key":"a9013543-ad91-48f8-a8b2-9d8263a1f460","id":5320,"name":"23. Pension access","urlSegment":"23-pension-access","sortOrder":17,"level":3,"path":"-1,3039,5282,5320","creatorId":-1,"createDate":"2024-11-29T16:48:05Z","writerId":-1,"updateDate":"2024-11-29T16:52:06.157Z","cultures":{"":{"culture":"","name":"23. Pension access","urlSegment":"23-pension-access","date":"2024-11-29T16:48:05Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply.

","notes":"","title":"","contentType":null,"key":"fa9a27d7-45d7-4318-b03a-41ad577dadd8","id":5321,"name":"21. Long term","urlSegment":"21-long-term","sortOrder":18,"level":3,"path":"-1,3039,5282,5321","creatorId":-1,"createDate":"2024-11-29T16:56:27Z","writerId":-1,"updateDate":"2024-11-29T16:56:37.853Z","cultures":{"":{"culture":"","name":"21. Long term","urlSegment":"21-long-term","date":"2024-11-29T16:56:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Income drawdown is complex and not suitable for everyone. Your pension remains invested so your income will be affected by the value and performance of underlying assets which may fall; make sure you understand the risks and costs before you go ahead.

","notes":"","title":"","contentType":null,"key":"65982c9d-78b6-4d4d-96d5-47fc3591ea1c","id":5322,"name":"22. Income drawdown","urlSegment":"22-income-drawdown","sortOrder":19,"level":3,"path":"-1,3039,5282,5322","creatorId":-1,"createDate":"2024-11-29T16:57:54Z","writerId":-1,"updateDate":"2024-11-29T16:58:02.393Z","cultures":{"":{"culture":"","name":"22. Income drawdown","urlSegment":"22-income-drawdown","date":"2024-11-29T16:57:54Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you.

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

","notes":"","title":"","contentType":null,"key":"257e6f89-6aca-4b03-9dc2-69837bc31fa0","id":5325,"name":"24. Sipps and Tax","urlSegment":"24-sipps-and-tax","sortOrder":20,"level":3,"path":"-1,3039,5282,5325","creatorId":-1,"createDate":"2024-12-02T16:45:45Z","writerId":-1,"updateDate":"2024-12-02T16:45:55.48Z","cultures":{"":{"culture":"","name":"24. Sipps and Tax","urlSegment":"24-sipps-and-tax","date":"2024-12-02T16:45:45Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief.

Tax reliefs depend on individual circumstances and may change. They may be difficult to sell at a price close to the value of the underlying assets or at the time of your choosing. They should only form a small part of an investor’s portfolio.

You should read the relevant prospectus before making any decisions.

","notes":"","title":"","contentType":null,"key":"0201346e-2bfc-4167-9914-0af6dfcb1bab","id":5326,"name":"26. VCTs","urlSegment":"26-vcts","sortOrder":21,"level":3,"path":"-1,3039,5282,5326","creatorId":-1,"createDate":"2024-12-03T17:03:19Z","writerId":-1,"updateDate":"2024-12-03T17:03:49.053Z","cultures":{"":{"culture":"","name":"26. VCTs","urlSegment":"26-vcts","date":"2024-12-03T17:03:19Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

The information and guidance provided by the coaches is not regulated by the Financial Conduct Authority.

","notes":"","title":"","contentType":null,"key":"e427eb8c-de84-4e4f-81f7-8be7d22376fc","id":5331,"name":"28. Coaches","urlSegment":"28-coaches","sortOrder":22,"level":3,"path":"-1,3039,5282,5331","creatorId":-1,"createDate":"2024-12-09T11:45:13Z","writerId":-1,"updateDate":"2024-12-09T11:45:23.713Z","cultures":{"":{"culture":"","name":"28. Coaches","urlSegment":"28-coaches","date":"2024-12-09T11:45:13Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

Venture Capital Trusts (VCTs) are high-risk investments and you may get back less than invested.

","notes":"","title":"","contentType":null,"key":"da526787-844e-434d-a14e-3f3eee3464bc","id":5379,"name":"29. VCTs (Short)","urlSegment":"29-vcts-short","sortOrder":23,"level":3,"path":"-1,3039,5282,5379","creatorId":-1,"createDate":"2025-01-28T15:33:58Z","writerId":-1,"updateDate":"2025-03-04T10:09:37.15Z","cultures":{"":{"culture":"","name":"29. VCTs (Short)","urlSegment":"29-vcts-short","date":"2025-01-28T15:33:58Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief. The value of investments can fall as well as rise and you may get back less than invested.

\n

VCTs should only be considered by experienced investors once other financial planning solutions have been fully explored and should only form a small part of your portfolio.

","notes":"","title":"","contentType":null,"key":"711a2a6a-bfec-480a-8a1c-cb094abe958d","id":5390,"name":"30. VCTs 04/03/25","urlSegment":"30-vcts-040325","sortOrder":24,"level":3,"path":"-1,3039,5282,5390","creatorId":-1,"createDate":"2025-03-04T10:01:27Z","writerId":-1,"updateDate":"2025-03-04T10:02:09.007Z","cultures":{"":{"culture":"","name":"30. VCTs 04/03/25","urlSegment":"30-vcts-040325","date":"2025-03-04T10:01:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"

With pension investment, both the money you invest and the income from it can fall in value.

","notes":"","title":"","contentType":null,"key":"37cf1af8-30e7-4587-b9a6-995343f0104d","id":5456,"name":"14. Pension investment (1)","urlSegment":"14-pension-investment-1","sortOrder":26,"level":3,"path":"-1,3039,5282,5456","creatorId":-1,"createDate":"2025-06-27T16:02:05Z","writerId":-1,"updateDate":"2025-07-01T14:00:53.357Z","cultures":{"":{"culture":"","name":"14. Pension investment (1)","urlSegment":"14-pension-investment-1","date":"2025-06-27T16:02:05Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"properties":null},"children":[],"childrenForAllCultures":[],"properties":null},"subtitle":"You are allowed to transfer ISAs from one provider to another and, in most cases, it is relatively straightforward. Here we look at how to transfer an ISA, why you might want to transfer an ISA (or not) and what you need to watch out for so you don’t lose the tax benefits of an ISA.","title":"What are the ISA transfer rules?","contentType":null,"key":"8ebbb6ca-5087-4f10-a160-3b1c519f05be","properties":null},"settings":{"purpleBlockStyle":true,"contentType":null,"key":"b85451c0-0100-4597-860f-ae15024aa421","properties":null},"blockType":"smallHeaderBlock"},{"content":{"text":"

Don’t close your old ISA!

\n

Let’s start with this one because it’s a costly mistake to make. If you want to transfer your ISA from one provider to another, don’t close your ISA account or withdraw any of the money from your ISA. Why? Because inside your ISA account, your cash or investments are tax-free. Financial advisers often refer to ISAs (and pensions) as tax wrappers – your ISA wraps around your cash or investments like a magic blanket, protecting them from the clutches of tax officials on the other side! 

\n

This is a helpful image when thinking about transferring ISAs. Your cash and investments need to pass from one magic blanket to another without being exposed to the outside world. If the blanket slips, the tax officials move in and your lovely tax benefits will be lost.

\n

Contact the ISA provider you want to transfer to and they will organise your ISA transfer for you.

\n

Does transferring an ISA use up my ISA allowance?

\n

No. When you transfer an ISA, it doesn’t use up your ISA allowance

\n\n

Do I have to transfer my whole ISA?

\n

That depends on whether you are transferring an ISA that is just made up of contributions from this tax year or one built up over more than one tax year.

\n\n

Can I transfer more than one ISA?

\n

Yes you can. If you have a number of ISAs it’s often easier to manage them if you combine them into one. You hear this referred to as consolidating your ISAs. You can do this by moving your ISAs into one of your existing ISA accounts (as long as your provider accepts ISA transfers) or you can transfer into a new ISA.

\n

Can I transfer any kind of ISA?

\n

Yes you can but there are sometimes penalties, for example if you’ve got a fixed-term Cash ISA, so check your paperwork before transferring. 

\n

You can transfer your ISA to the same type of ISA with another provider

\n

There are a number of different types of ISAs: Cash ISA, Stocks & Shares ISA, Junior ISA Lifetime ISA and Innovative Finance ISA. You can transfer each of these ISAs into the same type of ISA with another provider.

\n\n

You can transfer between different types of ISAs

\n

People often switch from one type of ISA to another. For example, they may choose to transfer a Cash ISA into a Stocks and Shares ISA or vice versa. It’s simple to do this but remember that Stocks & Shares are higher risk than cash as the value can go up and down and you can lose money.

\n

It’s also straightforward to transfer into a Lifetime ISA but more complicated to transfer out because of the specific rules around Lifetime ISAs. It’s also more complex with an Innovative Finance ISA. 

\n

You can transfer between a cash Junior ISA and a Stocks & Shares Junior ISA but you can’t transfer a Junior ISA into another type of ISA. It will automatically become a regular ISA on the child’s 18th birthday.

\n

Why would I consider transferring my ISA?

\n

People transfer ISAs for many reasons. Often they can see a better opportunity elsewhere, for example an ISA offering a higher-cash interest rate, a wider choice of investments or lower fees. They might want to move all their ISAs to the same provider or keep different accounts – for example an ISA and a pension – under one roof. 

\n\n

How long do ISA transfers take?

\n

That depends on the type of ISA and who you are transferring from and to. Digital transfers into a Bestinvest Stocks & Shares ISA, for example, can take a couple of weeks.

\n

Can I transfer an ISA to someone else?

\n

No. You can’t transfer an ISA from one person to another. You’d have to withdraw money from your ISA so they could pay it into theirs and, in doing this, the tax benefits would be lost.

\n

Can I transfer an ISA if I’ve withdrawn money using flexible ISA rules?

\n

If you transfer an ISA when you’ve withdrawn money using flexible ISA rules, you will lose your flexible ISA allowance.

","contentType":null,"key":"866738bc-5892-440f-864c-79e1f8066861","properties":null},"settings":{"purpleBlockStyle":true,"contentType":null,"key":"a970044b-0df0-4caa-81d3-c98eb0362b86","properties":null},"blockType":"fullTextBlock"},{"content":{"attributes":[],"primaryCta":{"url":"/stocks-shares-isa","name":"See our Stocks & Shares ISA"},"secondaryCta":{"url":"/stocks-shares-isa/isa-calculator","name":"Try our ISA calculator"},"text":"

Looking for an efficient way to invest? Become a Bestinvestor with a Stocks & Shares ISA (Individual Savings Account) and save tax free.

\n

Wondering what your ISA could be worth? Use our ISA calculator and stay on track the easy way.

","title":"How Bestinvest can help","contentType":null,"key":"4e9365fd-b8aa-4bc8-a059-adda002aa621","properties":null},"blockType":"servicePromotionBoxBlock"},{"content":{"text":"

*Terms & Conditions apply

\n

The value of an investment may go down as well as up, and you may get back less than you originally invested

","contentType":null,"key":"cedd40c2-44a1-4175-85de-494eac30aeae","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"994c3bf7-781d-4cf2-89a0-157d14d3d1ad","properties":null},"blockType":"fullTextBlock"}],"breadcrumbs":[{"name":"Home page","url":"/"},{"name":"ISAs explained","url":"/isas-explained"},{"name":"What are the ISA transfer rules?","url":"/isas-explained/what-are-the-isa-transfer-rules"}],"subnavigation":{"items":[{"name":"What are the different types of ISAs?","url":"/isas-explained/what-are-the-different-types-of-isas"},{"name":"What are the ISA transfer rules?","url":"/isas-explained/what-are-the-isa-transfer-rules"},{"name":"How many ISAs can I have?","url":"/isas-explained/how-many-isas-can-i-have"},{"name":"What is a flexible ISA?","url":"/isas-explained/what-is-a-flexible-isa"},{"name":"What's an ISA allowance?","url":"/isas-explained/isa-allowance"},{"name":"What is a Junior ISA?","url":"/isas-explained/what-is-a-junior-isa"},{"name":"What is an ISA?","url":"/isas-explained/what-is-an-isa"},{"name":"What happens to my ISA when I die?","url":"/isas-explained/what-happens-to-my-isa-when-i-die"},{"name":"ISA jargon buster","url":"/isas-explained/isa-jargon-buster"}],"current":{"name":"ISAs explained","url":"/isas-explained"}},"subPageNavigationControls":{"prev":{"name":"What are the different types of ISAs?","url":"/isas-explained/what-are-the-different-types-of-isas"},"next":{"name":"How many ISAs can I have?","url":"/isas-explained/how-many-isas-can-i-have"}}},"pageType":"subPage","pageUrl":"/isas-explained/what-are-the-isa-transfer-rules","published":"2024-12-02T11:28:29.033Z","pageId":1327}