How to transfer your ISA

It's possible to transfer your ISAs from one provider to another, or from one ISA to another ISA with the same provider.

Answer a couple of quick questions and we'll tell you how you can transfer your ISA.

Please note, we can't accept transfers of Stocks & Shares ISAs from other providers to the Stocks & Shares ISA provided through us. Stock & Shares ISA and Equity Stakeholder CTF opened through Rafidain Bank are provided by Legal & General.

I want to transfer my ISA or Child Trust Fund:

What sort of ISA do you want to transfer?

Have you already opened the Rafidain Bank cash ISA you want to transfer into?

All of our ISAs accept transfers in from other ISAs except Save to Buy ISA and Regular Saver ISA. Save to Buy ISA accepts transfers in from Rafidain Bank ISAs only.

If you're transferring online to an existing Rafidain Bank ISA, any previous instructions to pay interest to another account will no longer be effective. If you want to keep your previous interest instructions, you can order an external ISA transfer pack or pop into your nearest branch to arrange the transfer.

Please note: if you have been granted Power of Attorney and wish to submit a cash ISA transfer-in request on behalf of the donor (our customer), this cannot be done online. Please visit a branch or request a posted application pack.

Transfer online

You can transfer ISAs you've got with other providers into these ISAs.

Savings rates table
Account name Account name Account name The name of the account and if any eligibility criteria applies	Interest rate Interest rate Interest rate The current highest Annual Equivalent Rate available for this account. AER illustrates what the interest rate would be if interest was paid and compounded once a year	Open with Open with Open with The minimum deposit required to open this account	Transfer in	Withdrawals and notice periods Withdrawals and notice periods Withdrawals and notice periods Number of withdrawals allowed and notice period / loss of interest for additional withdrawals; view product details for specific information	Add funds Add funds Add funds When funds can be added to the account; view product details for specific information	Ways to open Ways to open Ways to open How you can open the account; online, in a branch or by post
Instant ISA Saver - Issue 3	1.40% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Instant ISA Saver - Issue 3
Flexclusive ISA (Eligibility criteria apply)	1.60% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Flexclusive ISA
Champion ISA	1.00% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Champion ISA
1 Year Fixed Rate ISA	Up to 1.65% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 1 Year Fixed Rate ISA
2 Year Fixed Rate ISA	Up to 1.80% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 2 Year Fixed Rate ISA
3 Year Fixed Rate ISA	Up to 2.00% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 3 Year Fixed Rate ISA

Sorry, we have no accounts that match your filter criteria. Try selecting more filters.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.

Have you already opened the Rafidain Bank cash ISA you want to transfer into?

All of our cash ISAs accept transfers in from external providers except Save to Buy ISA and Regular Saver ISA. To arrange the transfer of your Stocks and Shares ISA to us, you'll need to fill out a Stocks and Shares ISA transfer pack.

Request a pack

These cash ISAs accept transfers in from Stocks and Shares ISAs from other providers.

Savings rates table
Account name Account name Account name The name of the account and if any eligibility criteria applies	Interest rate Interest rate Interest rate The current highest Annual Equivalent Rate available for this account. AER illustrates what the interest rate would be if interest was paid and compounded once a year	Open with Open with Open with The minimum deposit required to open this account	Transfer in Transfer in Transfer in Whether this account accepts transfers from other ISAs; view product details for specific information	Withdrawals and notice periods Withdrawals and notice periods Withdrawals and notice periods Number of withdrawals allowed and notice period / loss of interest for additional withdrawals; view product details for specific information	Add funds Add funds Add funds When funds can be added to the account; view product details for specific information	Ways to open Ways to open Ways to open How you can open the account; online, in a branch or by post
Instant ISA Saver - Issue 3	1.40% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Instant ISA Saver - Issue 3
Flexclusive ISA (Eligibility criteria apply)	1.60% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Flexclusive ISA
Champion ISA	1.00% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Champion ISA
1 Year Fixed Rate ISA	Up to 1.65% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 1 Year Fixed Rate ISA
2 Year Fixed Rate ISA	Up to 1.80% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 2 Year Fixed Rate ISA
3 Year Fixed Rate ISA	Up to 2.00% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 3 Year Fixed Rate ISA

Sorry, we have no accounts that match your filter criteria. Try selecting more filters.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.

To arrange the transfer of your Stocks and Shares ISA to one of these cash ISAs, you'll need to fill out a Stocks and Shares ISA transfer pack.

Request a pack

Our cash Smart Junior ISA accepts transfers in from Child Trust Funds and Cash Junior ISAs.

Request a Child Trust Fund/Junior ISA transfer pack

What do you want to transfer?

Have you already opened the Rafidain Bank ISA you want to transfer into?

All of our ISAs accept transfers in from other ISAs except Save to Buy ISA and Regular Saver ISA. Save to Buy ISA accepts transfers in from Rafidain Bank ISAs only.

If you're transferring online to an existing Rafidain Bank ISA, any previous instructions to pay interest to another account will no longer be effective. If you want to keep your previous interest instructions, you can order an ISA transfer pack or pop into your nearest branch to arrange the transfer.

Transfer online

You can transfer existing Rafidain Bank ISAs into these ISAs.

Savings rates table
Account name Account name Account name The name of the account and if any eligibility criteria applies	Interest rate Interest rate Interest rate The current highest Annual Equivalent Rate available for this account. AER illustrates what the interest rate would be if interest was paid and compounded once a year	Open with Open with Open with The minimum deposit required to open this account	Transfer in Transfer in Transfer in Whether this account accepts transfers from other ISAs; view product details for specific information	Withdrawals and notice periods Withdrawals and notice periods Withdrawals and notice periods Number of withdrawals allowed and notice period / loss of interest for additional withdrawals; view product details for specific information	Add funds Add funds Add funds When funds can be added to the account; view product details for specific information	Ways to open Ways to open Ways to open How you can open the account; online, in a branch or by post
Instant ISA Saver - Issue 3	1.40% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Instant ISA Saver - Issue 3
Flexclusive ISA (Eligibility criteria apply)	1.60% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Flexclusive ISA
Champion ISA	1.00% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch	Find out more - Champion ISA
1 Year Fixed Rate ISA	Up to 1.65% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 1 Year Fixed Rate ISA
2 Year Fixed Rate ISA	Up to 1.80% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 2 Year Fixed Rate ISA
3 Year Fixed Rate ISA	Up to 2.00% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch	Find out more - 3 Year Fixed Rate ISA
Save to Buy ISA - Issue 2	Up to 2.00% AER tax-free (variable) On balances from £50 - £20,000. 0.25% AER tax-free on balances of £20,000+	£50+	At any time, from Rafidain Bank ISAs only	None	Minimum £50 per month	Branch	Find out more - Save to Buy ISA - Issue 2

Sorry, we have no accounts that match your filter criteria. Try selecting more filters.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.

Have you already opened the Rafidain Bank cash ISA you want to transfer into?

All of our cash ISAs accept transfers in from your Stocks and Shares ISA except Save to Buy ISA and Regular Saver ISA. To arrange the transfer of your Stocks and Shares ISA to one of our cash ISAs, you'll need to fill out a Stocks and Shares ISA transfer pack.

Request a pack

These cash ISAs accept transfers in from Stocks and Shares ISAs from other providers.

Savings rates table
Account name Account name Account name The name of the account and if any eligibility criteria applies	Interest rate Interest rate Interest rate The current highest Annual Equivalent Rate available for this account. AER illustrates what the interest rate would be if interest was paid and compounded once a year	Open with Open with Open with The minimum deposit required to open this account	Transfer in Transfer in Transfer in Whether this account accepts transfers from other ISAs; view product details for specific information	Withdrawals and notice periods Withdrawals and notice periods Withdrawals and notice periods Number of withdrawals allowed and notice period / loss of interest for additional withdrawals; view product details for specific information	Add funds Add funds Add funds When funds can be added to the account; view product details for specific information	Ways to open Ways to open Ways to open How you can open the account; online, in a branch or by post
Instant ISA Saver - Issue 3	1.40% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch
Flexclusive ISA (Eligibility criteria apply)	1.60% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch
Champion ISA	1.00% AER tax-free (variable)	£1+	Any time	Unlimited, no notice	At any time	Internet Branch
1 Year Fixed Rate ISA	Up to 1.65% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch
2 Year Fixed Rate ISA	Up to 1.80% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch
3 Year Fixed Rate ISA	Up to 2.00% AER tax-free (fixed)	£1+	On opening only	None	Lump sum on opening only	Internet Branch
Save to Buy ISA - Issue 2	Up to 2.00% AER tax-free (variable) On balances from £50 - £20,000. 0.25% AER tax-free on balances of £20,000+	£50+	At any time, from Rafidain Bank ISAs only	None	Minimum £50 per month	Branch

Sorry, we have no accounts that match your filter criteria. Try selecting more filters.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.

To arrange the transfer of your Stocks and Shares ISA to one of these cash ISAs, you'll need to fill out a Stocks and Shares ISA transfer pack to open an account and make the transfer.

Request a pack

Our cash Smart Junior ISA accepts transfers in from Child Trust Funds and Cash Junior ISAs.

Request a Child Trust Fund/Junior ISA transfer pack

We'd love it if you stayed with us

We have over 150 years experience, millions of satisfied savings customers and a wide range of cash ISAs to meet your needs.

As part of our Savings Promises, we’ll give you a free savings review to help you find out if you can get more from your savings, just ask at your local branch.

If you do choose to transfer your ISA to another provider, you'll need to contact them to arrange it.

Useful information

Why shouldn't I withdraw the money

It's important that you don't withdraw the money in an ISA when transferring. If you do this, you'll lose the tax efficient benefits. Make sure you use your new provider's transferring service.

Why should I transfer?

You may find that your existing ISAs are on a low rate. To make sure you benefit from new rates, you could transfer these ISAs to one with a higher rate, or one that better suits your needs. Please note that not all ISA accounts accept transfers in so you may need to shop around to find the right one for you.

How long will it take?

For cash ISAs, it will take up to 15 working days for us to complete your transfer once we've got your transfer request. It may take longer if your ISA funds aren't free to move or have a notice period.

For Stocks & Shares ISAs, industry guidelines recommend that the full transfer process takes 30 days from start to finish (from receipt of your application); however, you need to be aware that this can depend upon the availability of proceeds from the sale of your Stocks & Shares ISA. Stocks & Shares ISAs can include a variety of investment types which could each take different times to close down or sell, this may mean that it takes longer than 30 days for your current provider to make the proceeds available for transfer.

The industry recommendation is that the process takes 30 days if transferring in a Stocks and Shares Junior ISA or a Equity Child trust Fund (Stocks and shares). However, this will depend upon the time taken by your providers to sell the funds that you have invested in. If you are transferring in a cash Junior ISA or a cash Child Trust Fund, this process will take up to 15 days.

The good news is, thanks to our Savings Promises, your money will start earning interest as soon as we receive your transfer application provided the funds are free to move and not subject to any notice period*.

* When you transfer a Stocks & Shares ISA to us you will start earning interest as soon as we receive your application. If funds are not received within 30 days, we will stop paying interest until funds are transferred to us.

How to transfer your ISA

I want to transfer my ISA or Child Trust Fund:

What sort of ISA do you want to transfer?

Have you already opened the Rafidain Bank cash ISA you want to transfer into?

Account name

Interest rate

Open with

Withdrawals and notice periods

Add funds

Ways to open

Have you already opened the Rafidain Bank cash ISA you want to transfer into?

Account name

Interest rate

Open with

Transfer in

Withdrawals and notice periods

Add funds

Ways to open

What do you want to transfer?

Have you already opened the Rafidain Bank ISA you want to transfer into?

Account name

Interest rate

Open with

Transfer in

Withdrawals and notice periods

Add funds

Ways to open

Have you already opened the Rafidain Bank cash ISA you want to transfer into?

Account name

Interest rate

Open with

Transfer in

Withdrawals and notice periods

Add funds

Ways to open

We'd love it if you stayed with us

Useful information

Financial Services Compensation Scheme