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Transfer your ISA
You can transfer your ISA from another provider to Lloyds Bank. If you already have a Lloyds Bank ISA, you can also transfer it to another type of ISA.
Innovative finance ISA
You can't transfer from an innovative finance ISA online as they don't have a sort code and account number. Please book an appointment at your local branch to transfer from an innovative finance ISA.
Frequently asked questions about ISA transfers
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Flexible cash ISAs
Your existing cash ISA provider will be able to tell you if your ISA is flexible. Flexible ISAs let you withdraw and replace the funds within the same tax year, keeping your allowance intact.
If you're going to transfer from a flexible ISA that you've taken money out of, please note:
- Reinvest withdrawn funds into your flexible ISA by the tax year’s end to preserve your allowance.
- Reinvest funds from past tax years into your flexible ISA before transferring to us to maintain your allowance.
Other ISAs
If your ISA isn't flexible, or you're unsure if it is, please speak to your current ISA provider to understand your options.
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How long will it take to transfer? Transferring from
Transferring to
Transfer time
Transferring from
Lloyds Bank cash ISA
Transferring to
Lloyds Bank cash ISA
Transfer time
7 working days
Transferring from
Non-Lloyds Bank cash ISA
Transferring to
Lloyds Bank cash ISA
Transfer time
15 working days
Transferring from
Stocks & shares ISA
Transferring to
Lloyds Bank cash ISA
Transfer time
30 calendar days
Transferring from
Innovative finance ISA
Transferring to
Lloyds Bank cash ISA
Transfer time
30 calendar days
Transferring from
Lifetime ISA
Transferring to
Lloyds Bank cash ISA
Transfer time
30 calendar days
Transferring from
Cash ISA
Transferring to
Lloyds Bank Investment ISA
Transfer time
2-3 weeks
Transferring from
Stocks and shares ISA
Transferring to
Lloyds Bank Investment ISA
Transfer time
2-3 weeks
Transferring from
Innovative finance ISA
Transferring to
Lloyds Bank Investment ISA
Transfer time
30 calendar days
Transferring from
Lifetime ISA
Transferring to
Lloyds Bank Investment ISA
Transfer time
30 calendar days
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We won’t charge you for transferring your ISA to us but there may be some admin charges from your current ISA provider. You may also lose any bonuses or interest you’re due on your current ISA.
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Yes, you can transfer your ISA at any time, whenever suits you. You don’t need to wait until the end of the tax year.
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Existing easy access cash ISA holders can renew or switch to a Fixed Rate Cash ISA anytime. You can do this by logging on to Internet Banking. Simply select the account you want to renew and select the ‘Renew Account’ option.
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You must transfer the full amount of this year’s ISA savings when moving funds. Transfer any portion of earlier years’ ISA savings to your new ISA. For example, keep this year’s ISA savings and transfer funds from earlier years.
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Yes, transferring savings from an earlier tax year won’t affect this year’s allowance. If you haven’t paid into an ISA this tax year, you still have your £20,000 allowance.
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Yes, you can. Transfer your current savings and use your remaining allowance at Lloyds Bank. For example, transfer £5,000 from another ISA and add up to £15,000 more with us this current tax year.
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Yes, you can transfer as many ISAs to us as you like. You’ll just need to sign one form for each ISA you’re transferring.
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Your savings will show as a credit on the day we get it from your earlier ISA provider.