Read more
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 71% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 71% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Reading time 2 minute(s)

How to Transfer Your ISA to XTB (Step-by-Step Guide)

To transfer an ISA in the UK, follow these steps:

1. Open a new ISA with your chosen provider
2. Submit an ISA transfer request (do not withdraw funds)
3. Your new provider contacts your existing provider
4. The transfer is completed within 30 days 

 

Table of contents

To transfer an ISA in the UK, follow these steps:

1. Open a new ISA with your chosen provider
2. Submit an ISA transfer request (do not withdraw funds)
3. Your new provider contacts your existing provider
4. The transfer is completed within 30 days 

 

With a new £20,000 ISA allowance available each tax year, many investors overlook existing ISAs sitting in low-performing accounts. If your current provider isn’t delivering the value you expect, transferring your ISA could help you make better use of your investments.

The good news? The ISA transfer process is simpler than you might think. Many investors transfer their ISA to access better investment options, lower fees or a wider range of assets.

Why transfer your ISA?

Many ISAs are opened and then left untouched. Over time, rates, fees or investment options may become less competitive.

Transferring your ISA to XTB gives you access to:

  • *Commission-free investing (up to applicable monthly limits)
  • Thousands of stocks and ETFs
  • Investment Plans to help build diversified portfolios
  • A single platform to manage your investments

The one rule that matters

Never withdraw the money yourself and deposit it elsewhere. The moment it leaves your ISA wrapper, it loses its tax-free status and if you then pay it into a new ISA, it counts as a fresh contribution and eats into your £20,000 annual allowance, even if you're just moving old money.

Always transfer through your new provider. That's what the ISA transfer process is for.

What you can transfer

You can transfer:

  • ISAs from previous tax years
  • Your current year’s ISA contributions
  • Multiple ISAs from different providers

Both full and partial transfers are allowed under current UK ISA rules, giving you flexibility over how much you move.

XTB currently supports transfers into the Stocks & Shares ISA allowing you to invest in stocks, ETFs and diversified portfolios within a tax-efficient wrapper.

Cash ISA transfers are coming soon.

How to transfer your ISA to XTB

Step 1: Open your XTB Stocks & Shares ISA

If you don't already have an account, you'll need to open one first. You'll need your National Insurance number and to be a UK resident for tax purposes. The application is quick and easy to complete via the XTB mobile app.

Step 2: Request the transfer in the app

Once your ISA is open:

  • Go to your ISA account in the app
  • Tap Manage
  • Select Transfer to XTB

You'll be asked for details about your current provider and the balance or assets you want to move across.

 

 

 

Step 3: Your provider completes the transfer

Transfers can take up to 30 days depending on your provider and ISA type.

You don’t need to take any action during this time and you’ll be notified once the transfer is complete.

Step 4: Start investing

Once your funds arrive, you can:

Things to keep in mind

Your transferred balance doesn't count toward your current year's £20,000 allowance. That limit only applies to new money you pay in this tax year, so transferring an old ISA leaves your full allowance untouched.

Some providers charge an exit fee for transferring out, particularly on fixed-rate accounts. It's worth checking your existing terms before you start. For most easy-access ISAs, there's no charge.

Ready to transfer your ISA?
Start your ISA transfer in the XTB app today and take control of how your investments are managed.

Capital at risk. Investment values can rise or fall. Tax treatment depends on your individual circumstances and may be subject to change.* 0% commission up to £100k/month. Other fees may apply.

 

 

FAQ

Most ISA transfers are completed within 30 days, although some may take longer depending on the provider.

 

Yes, partial transfers are allowed under current UK ISA rules.

Yes, you can consolidate multiple ISAs into one account through a single provider.

 

4 minutes

ISA Deadline 2026: Use Your £20,000 Allowance Before 5 April
3 minutes

What Is a Flexible Cash ISA - And Why Does It Matter?
2 minutes

Best Cash ISA Comparison 2026

This content has been created by XTB S.A. This service is provided by XTB S.A., with its registered office in Warsaw, at Prosta 67, 00-838 Warsaw, Poland, entered in the register of entrepreneurs of the National Court Register (Krajowy Rejestr Sądowy) conducted by District Court for the Capital City of Warsaw, XII Commercial Division of the National Court Register under KRS number 0000217580, REGON number 015803782 and Tax Identification Number (NIP) 527-24-43-955, with the fully paid up share capital in the amount of PLN 5.869.181,75. XTB S.A. conducts brokerage activities on the basis of the license granted by Polish Securities and Exchange Commission on 8th November 2005 No. DDM-M-4021-57-1/2005 and is supervised by Polish Supervision Authority.

ISA