Yes, you can transfer your Smart ISA to another provider at any time.

A few things you should know: 

  • To start the process, you’ll need to get in touch with your new ISA provider who'll initiate the transfer on your behalf.

  • You’ll need to transfer out your Smart ISA balance in full. That means, if you have multiple pots, you'll need to transfer all of them to your new ISA provider.

  • Transferring to another cash ISA can take up to 15 business days. Transferring to another type of ISA, such as a stocks and shares ISA, can take up to 30 business days.

  • If any money you want to transfer out is held in a Fixed Term ISA pot, you'll either need to wait for the fixed term to end or pay an interest charge to break the fixed term early, which we'll deduct before transferring the funds to your new ISA provider.

  • You’ll be asked for your ISA roll number on your transfer form. This is the same as your Smart ISA reference number and can be found in your Smart Savings Hub by clicking ManageAccount information, then Smart ISA details. You won’t need to include an account number or sort code on your transfer form.

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