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Transfer to a OneFamily Stocks and Shares ISA

We make it as simple as possible to transfer an ISA from another provider to us and we won't charge you to do so. However, please check with your current provider in case they have any charges.

Why choose OneFamily?

We keep things simple for you with a 1.1% annual management charge, 24/7 online account management and a choice of two climate-friendly investment options.

We’ve provided more than £4.75 million in funding since 2015 through our individual and community-based funding initiatives – supporting over 390 great causes such as foodbanks, homeless charities and schools - and improving the lives of over 3,200 people through our individual grants.*

*Figures as at 31 December 2021

A man with a cup of coffee using a laptop

Giving you options
Choose from two investment options you can switch between at any time.

Providing clear pricing
No complicated menu of fees – just a simple 1.1% annual management charge.

Giving you control
Check how your ISA is performing 24/7 with an online account.

Reinvesting profits
Any profit we make, we reinvest into our customers and good causes across the UK.

How to transfer a Stocks and Shares ISA

We make it as simple as possible to transfer a Stocks and Shares ISA to us and we won't charge you to do so. However, please check with your current provider in case they have any charges.

1. Choose a fund
Decide which of our two ISA funds is right for you by reading the fund documents below.

2. Tell us you want to transfer
Download the fund’s transfer form and post your completed form to: FREEPOST ONEFAMILY (this is the full address).

3. Start saving!
As soon as the transfer is complete, you’ll be able to log into your online account to set up a direct debit or start making one-off payments.

Choose a fund

Frequently asked questions - transferring to a OneFamily Stocks and Shares ISA

Why transfer to a OneFamily Stocks and Shares ISA?

Our ISA invests in stocks and shares which means you could see more growth than cash over the long term - as with all investing, this approach does come with risk and you could lose money as well.

People choose OneFamily because we not only offer competitive charges, we also have a strong moral compass. We’re not owned by shareholders so we don’t pay dividends - put simply this means our profits can be used to benefit our members and our community.

We also care about the environment and offer climate-friendly stocks and shares ISAs and LISAs which invest in companies who take climate change seriously.

So, you can rest assured that you’re helping to support the companies that are working towards a more climate-friendly business model.

As a member of OneFamily, you’ll also have access to free equity release advice (worth £950), the option to apply for apprenticeship support and you'll be able to apply for a Young Person's Education Grant on behalf of someone you know.

What is the difference between a stocks and shares ISA and cash ISA?

The main difference between a cash ISA and a stocks and shares ISA is the level of risk and potential returns.

With cash ISAs, your money is protected and can’t go down to less than you’ve put in. Cash ISAs grow by earning interest like current accounts do. The money you put into a stocks and shares ISA, on the other hand, will be invested in the stock market and while this could mean you end up with more money, there is also a risk the value could go down.

Generally speaking, stocks and shares ISAs can be a good option if you’re saving long term. This is because dips in the stock market have less of an impact over time.

We only offer stocks and shares ISAs at OneFamily.

How much money can I transfer into a stocks and shares ISA?

You can transfer as much money as you like between ISAs, except for Lifetime ISAs, which have a £4,000 yearly limit.

There is a £20,000 limit on how much money you can pay into ISAs each tax year. However, transferring money from one ISA to another doesn’t affect this limit as HMRC doesn’t count this as paying money in.

For example, if you’ve put £2,000 into an ISA this tax year and you move this into a OneFamily ISA, you will still have £18,000 remaining of your allowance for the year. However, if you put that £2,000 in before the last 6 April, you can transfer this to your new ISA and without it affecting this year's limit.

Some providers won't allow partial transfers. If you'd like to move just some of the money in your existing ISA, check with your current ISA provider to find out if they'll let you.

Does the one pay-in ISA rule affect me?

If you’re transferring to a OneFamily Stocks and Shares ISA from another stocks and shares ISA then you may need to be aware of the one pay-in rule.

The one pay-in rule says that you can only put money into one of each type of ISA in a tax year, for example you couldn't pay into two different stocks and shares ISAs.

So, if you've already put money into a stocks and shares ISA since the start of the tax year on 6 April, you'll need to transfer this, plus any returns, over to your new OneFamily ISA. If you don't do this, you won't be allowed to put any more money into your new ISA until the next tax year.

If you haven’t paid in since 6 April, this isn’t an issue.

How can I manage my account once I've moved to OneFamily?

Choose one of our Stocks and Shares ISA options below

Please read all relevant documents below to get an understanding about how each fund is invested, then choose the fund that suits you best. As our ISA invests in stocks & shares, its value can go down as well as up, so you could get less than was paid in.

Climate friendly

Global Equity

Invest into global companies who focus on operating in a more sustainable way

Invest for your future in a way that's aligned with your values. Global Equity invests your money into companies who are actively working towards a more sustainable business model and reducing their carbon footprint. Find out more about our climate investments

Avg. yearly
growth*
Fund
size
Global
investments

Risk rating

Lower Higher

Fund performance:

*Performance includes all charges payable. Please remember that past performance should not be seen as an indication of future performance.

You can find out more about Global Equity in our Key Information Document and Fund Factsheet

Select and transfer

Climate friendly

Global Mixed

A balanced mix of climate-friendly companies and fixed interest investments to reduce risk

Invests up to 35% of your money into climate-friendly shares and at least 65% into fixed interest assets and bonds to help reduce risk. Choose this fund if you want to invest in a responsible way while lowering risk of loss. Find out more about our climate investments