Transfer in your Cash ISA
Move your Cash ISA to us in just a few taps. All without affecting your tax-free allowance.
Why transfer to Tandem?
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
Instant Access or Fixed Rate options
Quick, simple transfers between your Tandem ISAs in the app
FSCS protection up to £85,000
Some of your savings support greener lending
How it works
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
Check if your current ISA is eligible to transfer
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
You can transfer a Cash ISA from any provider that is registered through the industry’s electronic transfer scheme, which we use at Tandem.To be eligible, your current provider must be part of this scheme. Most major ISA managers are included.
Check if your provider is on HMRC’s list of approved ISA managers
If your provider isn’t listed or you’re unsure, just contact us and we'll check for you.
Open a Tandem Cash ISA
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
Before starting a transfer, you’ll need to have a Cash ISA opened with us. Choose from:
Instant Access Cash ISA – dip into your savings any time
Fixed Rate Cash ISA – rate locked for a set term; early withdrawal may incur a penalty
Don’t worry, opening one is quick and easy in the app.
Start your transfer in the Tandem app
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
Once your Cash ISA is open, you can start the transfer. We’ll ask for a few details:
- Name
- Date of birth
- Address
- Contact number
- Provider name
- Account number
- Sort code
- Roll number (if you have one)
- The total you’ve paid into any ISAs this tax year (not including interest)
Choose how you want to transfer
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
You can move your Cash ISA in a few different ways, depending on how and when you’ve contributed:
All of it, including interest from both this year and previous years.
You’ll need to transfer the full amount you’ve paid in this tax year (including interest).
Everything you’ve added this tax year, plus some of your older contributions.
You can move your old ISA savings without affecting this year’s allowance.
Just some of your past ISA savings. Keep the rest where they are.
Important: You must transfer the full amount of any current year contributions. We don’t offer partial transfers for the current tax year.
Tell us how to handle any exit fees
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
Your current provider may charge a fee for transferring out. In the app, you can choose to:
We’ll wait until your ISA is fee-free to transfer, to avoid any penalties.
We’ll move your funds right away, even if your provider charges a fee.
Important: Tandem doesn’t cover any fees or penalties, so it’s a good idea to check with your current ISA provider first.
Sit back and we'll take care of the rest
Want tax-free interest? Here’s how our Instant Access stacks up against our Fixed Rate options.
Once you’ve submitted the transfer request in the Tandem app, we’ll handle everything from here.
Heads up:
- Transfers usually complete within 15 working days
- If anything’s missing or delayed, we’ll let you know
Want to transfer out of Tandem?
You can move your Tandem Cash ISA to another provider at any time. Just start the transfer with your new provider and they’ll handle the process. We’ll make sure your funds are transferred safely, usually within 15 working days.
Heads up! If you’re transferring a Fixed Rate Cash ISA still within its term, an early withdrawal fee will apply.
Ready to make your money do more?
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