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ISA transfers

Transfer money into a Principality ISA and protect its tax-free status.

Transfer a cash ISA to Principality from another provider, or transfer money between Principality ISAs.

  • Transferring ISA savings using the official transfer process does not affect your ISA allowance.

  • Your allowance is only affected if you withdraw the money and pay it into a new ISA yourself.

  • Withdrawing money from an ISA to either a current account, a savings account, or as cash will mean the money loses its tax-free status.



You’re always welcome to visit or contact your local branch for help with ISA transfers.


Transferring an ISA to Principality

You can transfer your cash ISA balance from another provider to us. 

If you haven't chosen a Principality ISA yet, browse our cash ISA range and choose a product to open. When you apply online we'll guide you through how to transfer any balances you hold with other providers.

If you have already opened a Principality ISA you can also:

You can also transfer a Stocks & Shares ISA to a Principality cash ISA:

Transferring between Principality ISAs

If you’re transferring money from one Principality ISA to another, you must transfer the full balance. You can’t make a partial transfer.

To transfer between Principality ISAs:

  • Complete an Internal ISA transfer form.

    Physical forms can be dropped at a branch, or posted to the Savings Team, Principality Building Society, PO Box 89, Queen Street, Cardiff, CF10 1UA.

What happens next?

What happens after we receive your form?

Once we receive your ISA transfer request:

  • We’ll process the transfer within our standard timescales.
  • We won’t confirm we’ve received your form, but
  • We will write to you once the transfer is complete.

    This helps us avoid delays and complete your request as quickly as we can.

How long does an ISA transfer take? 

ISA transfers usually take up to 15 business days for a cash ISA, or up to 30 calendar days for a stocks and shares ISA.

Timescales can vary if notice is required on the ISA being transferred, or if interest is lost as part of the transfer.

If notice is required, you can confirm on the transfer form whether you’re happy to accept any loss of interest.

We’ll write to you once the transfer is complete. Or - if you’re transferring away from Principality - your new provider should keep you updated on progress.


ISA transfer FAQs

In lots of cases you can transfer all or part of what you paid into an ISA in previous tax years. Rules tend to be stricter for money paid in during the current tax year. At Principality our rules are:


If you transfer into or out of a Principality ISA

  • You must transfer the full amount paid in during the current tax year.
  • You can transfer all, or part of what you've paid in in previous years.


If you transfer between two Principality ISAs

  • You must transfer the entire balance.

Some ISAs require you to provide notice before you can transfer funds.

ISA funds must be available to transfer within 5 business days of your request.

Your transfer form will ask you to confirm you're happy to proceed, even if that means losing out on interest.

Checking this before submitting your request can help avoid delays.


A roll number (also known as your account number) helps us identify your ISA. You’ll usually need this when completing a transfer form.


You can find it:

Yes, just contact your new provider and ask to use their ISA transfer process. Don't withdraw the money yourself, as this will remove its tax-free status.

Your new provider may ask for the following details:

•    Provider: Principality Building Society

•    Sort code: 20-18-23

•    Account number: 90653535

•    Reference: Your Principality savings account number

Once we get the request from your new provider, we’ll send the funds within 15 business days. This is subject to any notice period or loss of interest.

If your ISA transfer isn’t completed within the expected timescale, you can contact us by:


If you’re transferring away from Principality - your new provider should keep you updated on progress.


Browse our range of cash ISAs

Explore our Cash ISAs and find one that fits your savings goals.

Browse our cash ISAs