Sharesave to ISA

[Unknown-user]

Hello,

I have a sharesave with Equiniti due to mature at the end of the month. I am looking to transfer to an ISA to save on CGT, just wondering on peoples opinions on the easiest way to do this?

Thanks

[The Gauge]

Just this very evening I have set up a Trading 212 Flexible Cash ISA with new customer bonus interest rate of 4.68%, all quite simple to set up - create T212 account, verify email, verify ID etc and then transfer the money in from bank.

To get the new customer bonus I needed to go via a link from MoneySaving Expert website news letter that was advertising the deal, otherwise you just get the standard rate. Though once set up there is an option in settings to add a Promo Code, and I have read that MSE works.

So maybe cash in your Shareseve and do similar, though I think the T212 bonus rate expires on 16/3/26

[Unknown-user]

Thanks for the reply.

I am looking to transfer the shares in, not cash otherwise I’ll be liable for CGT. From what I’ve read online T212 don’t allow sharesave transfers but I could be wrong…

[The Gauge]

Unknown-user said:

Thanks for the reply.

I am looking to transfer the shares in, not cash otherwise I ll be liable for CGT. From what I ve read online T212 don t allow sharesave transfers but I could be wrong

Ahh, sorry, I didn't realise they were to remain as shares, in which case I can't help

[Jonny_]

Unknown-user said:

Hello,

I have a sharesave with Equiniti due to mature at the end of the month. I am looking to transfer to an ISA to save on CGT, just wondering on peoples opinions on the easiest way to do this?

Thanks

As I recall Equiniti offer their own ISA, which you can choose to put the shares straight into at maturity. Probably not the most competitive ISA product in terms of fees, but it's an easy option and, once the shares are in the ISA, it's much simpler to transfer to another ISA provider.

It is possible to put sharesave shares directly into a third party ISA, I did it a few years ago, but it was a bit more of a faff versus using the Equiniti ISA. Forms to send off via snail mail and so on. There's a 90 day period after which you lose the ability to transfer sharesave shares directly into an ISA, I can't recall if it's from the date of maturity or from the date you exercise the option to buy the shares.

The other thing to keep in mind is that the date you instruct them to put your shares into the ISA determines whether it counts towards this tax year's ISA allowance or next year's.

[asfault]

I just did this with my companies shares. into the equitina isa.
Im not keen on the platform its clunky and feels old fashioned compared to the modern ones but it does the job.
£4.99 a month to run it (UNDER 50K INVESTED) seeing as the next 3 years i will have more company shares its a no brainer to keep now. Bonus is they were in under the current tax year.

[Pando99]

90 day ISA transfer - simples

Just need a stocks n shares ISA to transfer it into

[Somebody]

Pando99 said:

90 day ISA transfer - simples

Just need a stocks n shares ISA to transfer it into

This. I've previously done stock transfers to AJBell, and also HL. Just pick a provider with the lowest fees.

[cml24]

Somebody said:

Pando99 said:

90 day ISA transfer - simples

Just need a stocks n shares ISA to transfer it into

This. I've previously done stock transfers to AJBell, and also HL. Just pick a provider with the lowest fees.

Exactly. I've done two transfers into my Halifax isa over the years.

I can't recall what it's named, I've stuck with 'bed and breakfasting', I know I'm not quite right. You have to fill in an online form or two, but it's surprisingly simple.

[Simpo Two]

Pando99 said:

90 day ISA transfer - simples

Just need a stocks n shares ISA to transfer it into

Aha, Google AI says:

said:

To transfer shares into an ISA within 90 days, follow these steps:
You can transfer up to £20,000 of employee shares into an ISA if they were acquired from a HMRC-approved scheme or withdrawn from a Share Incentive Plan (SIP) within the last 90 days.

Ensure that your ISA provider agrees to the transfer.

You will not have to pay Capital Gains Tax on any gains made on the shares if you move them to the ISA.

The transfer must be completed within 90 days of exercising your SIP or SAYE shares.

For more detailed guidance, consult your employer or ISA provider.

I haven't an employer since 1990 so my playing field is a bit different!

[Cupid-stunt]

Did this last month on options that were granted in Oct-25 - but it was Computershare.
They were v good when I got them on the phone.

They option was exercised and transferred into a HL normal share trading account.
This was then moved into an ISA.
I needed a LETTER OF APPROPRIATION which Computershare sent out the following day after I took the options.
The value (fortunate for me) was above the £20k ISA limit so I asked them (HL) to move the permitted amount into the ISA for 25/26, and I will move the remainder next month in the 26/27 allowance.

There was a £40 transfer fee payable to Computershare.

Overall, the process took approx 1 week.