There is no charge to move an account from another provider to Triodos, but you should check with your current provider whether there are exit fees or loss of benefits by transferring.
You should also read the Important Documents for the Triodos accounts you wish to transfer to, to learn about any associated costs or fees. You can find these on the relevant product pages on our website via the links below:
Yes. You can transfer an existing cash ISA to your Triodos cash ISA. If you don't already have a Triodos cash ISA, you will need to open one first. Explore our range of ethical ISAs to find the right one for you, then apply via the Triodos Mobile Banking App.
To request the transfer, you’ll need to download and complete the relevant form below. The forms are interactive so you can fill out your details online, but you’ll need to print the form and sign it using a pen.
Then simply return it to ‘Freepost TRIODOS BANK’ and we’ll transfer the funds directly between your ISAs and protect your tax-free ISA status. Do not move funds out of an ISA yourself, because your money will lose this ISA status.
The transfer process usually takes between 14-30 days. We’ll write to you when the transfer is complete.
If you are transferring to a new Fixed Rate ISA, please note that it can take up to 30 days to complete a transfer. We must receive the funds from your existing provider within 60 days of the Fixed Rate ISA account opening date, so please make sure you start the transfer process as soon as possible.
Yes, you can transfer other cash ISAs into a Triodos Fixed Rate Cash ISA. You can transfer previous and current years subscriptions held in another cash ISA. Transfers must be complete and funds received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.
We offer four impact investment funds - the Triodos Global Equities Impact Fund, the Triodos Pioneer Impact Fund, the Triodos Future Generations Fund and the Triodos Sterling Bond Impact Fund. All the Impact Funds are available in two different share classes, distribution and capitalisation.
You can invest from as little as £25 per month when setting up a regular monthly investment, or from £250 for a lump sum or top up.
Yes. You can transfer an existing stocks and shares ISA to a Triodos Stocks and Shares ISA. Be aware, if transferring from a stocks and shares ISA, your investments will be sold and the transfer will be completed in cash.
If you don't already have a Triodos Stocks and Shares ISA, you will need to open one first. You can do this via the Triodos Mobile Banking App.
To request the transfer, you’ll need to download and complete the relevant form below. The forms are interactive so you can fill out your details online, but you’ll need to print the form and sign it using a pen.
Then simply return it to ‘Freepost TRIODOS BANK’ and we’ll transfer the funds directly between your ISAs and protect your tax-free ISA status. Do not move funds out of an ISA yourself, because your money will lose this ISA status.
The transfer process usually takes between 14-30 days. We’ll write to you when the transfer is complete.
Transfer from another provider to a Triodos Stocks and Shares ISA
Transfer from another Triodos ISA to a Triodos Stocks and Shares ISA
Every Stocks and Shares ISA or Impact Investment Account has a linked Cash Account. Cash Accounts are used for:
You may have more than one Cash Account as a separate Cash Account is needed for each investment account you have. For example, you may have one Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You will see your Cash Account coupled next to the Stocks and Shares ISA or Impact Investment Account it is linked to, in your account ‘Overview’ in the Triodos Mobile Banking App or Internet Banking.
If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any of your accounts. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account as described above. You can find your Cash Account bank account number within the Mobile App or Internet Banking, use this along with our sort code 16-58-10.
Once you add money into a Stocks and Shares ISA Cash Account linked to a Triodos Stocks and Shares ISA, this will count as an ISA subscription for the current tax year.
Money held in your Cash Account can be transferred out to your nominated account, though you may want to keep some money in your Cash Account to cover the Annual Service charge (charged quarterly), to cover regular monthly investments or to have a balance available to purchase more shares on an ad hoc basis. If you do not keep enough money in your Cash Account to cover your Annual Service Charge, we will instruct to sell shares in your investments to cover the required amount. See What are the charges for investing? for more details on the Annual Service Charge.
You may wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up. For more information see How do I add money to my Cash Account?
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
Trades are submitted to the fund manager at 10am each Business Day. So you can cancel a trade which has not been dealt at any time prior to this.
To cancel a pending instruction, go to your investment account in Internet Banking or the Mobile App where you will find ‘Pending’ instructions under the ‘Transactions’ section. Click on the instruction you would like to cancel, you will be shown the key dates for your instruction and a cancel button (which will not be shown if your instruction has now been dealt and is therefore no longer pending). Select ‘Cancel’ then click ‘Continue’ to confirm you would like to cancel your instruction. You will then see a message confirming that your instruction has been cancelled.
There is an Annual Service Charge paid quarterly by Impact Fund investors and an Ongoing Charges Figure which is deducted from the fund daily and therefore not paid separately.
Annual Service Charge – paid by you quarterly
The Annual Service Charge is tiered, so customers who hold more than £250,000 in either their Triodos Impact Investment Account or Stocks and Shares ISA will pay a lower percentage on the investment balance over this amount.
Holdings in either a Triodos Impact Investment Account or Stocks and Shares ISA
The Annual Service Charge (ASC):
On the first Calendar Day of a new quarter we will check your Cash Account to see if cash is available to cover the Annual Service Charge for the previous quarter. If cash is available, it will be earmarked and deducted on the first weekday of the quarter. If you do not have enough money in your Cash Account to cover an upcoming Annual Service Charge, we will try to contact you beforehand by email or letter to let you know, so that you can pay into your Cash Account if you would like to.
If there is an insufficient cash balance on this day, we will instruct to sell shares in your investments to cover the whole amount (there is no charge to pay your Annual Service Charge in this way). The dealing instruction will be automatically generated to proportionately sell enough shares within your account based on your holding on the first Calendar Day of the new quarter.
For more information, please also see How can I pay for my Annual Service Charge? and How do you decide which shares to sell from my holdings to cover my Annual Service Charge?
Please be aware that the sale of shares to cover the Annual Service Charge is classified as a disposal for Capital Gains Tax purposes and may need to be declared to HMRC (unless they are held in a Stocks and Shares ISA).
The Annual Service Charge will be itemised on your quarterly statement, which provides a breakdown of all charges applied over the previous quarter along with any additional trades during the period.
Ongoing Charges Figure – deducted from the fund daily and not paid separately by you
The Ongoing Charges Figure (OCF):
Please visit the fund pages on our website for details of the current OCF:
Triodos Global Equity Impact Fund
Triodos Future Generations Fund
Triodos Sterling Bond Impact Fund
If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any account in your name. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account. For example, you may have one Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You can find your Cash Account bank account number within the Triodos Mobile Banking App or Internet Banking, use this along with our sort code 16-58-10.
You may wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up.
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
If you arrange a transfer between ISAs by completing a transfer form, your tax-free ISA status will remain protected and the transfer will not affect your ISA allowance for the current tax year.
Don’t withdraw the money out of an ISA yourself or move it to a personal bank account. If you do this, your money will lose its ISA status. This means that you can’t reinstate it and you’ll permanently lose that portion of your ISA allowance. If you choose to re-add money that you’ve withdrawn from an ISA, you’ll use up a portion of an ISA allowance, unless you have a flexible ISA.
The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2024/25 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.
Transferring existing investments or ISAs from another provider usually takes between 14-30 days, but it can take longer than this. Delays can be caused if there’s an issue with the application form or the existing ISA provider doesn’t have your up-to-date information. It will also take longer if there’s a notice period on the account.
To make sure your transfer goes as smoothly as possible, we would recommend checking with your existing provider that all your information (for example, contact details and address) is up-to-date and that you don’t owe any outstanding fees. Also make sure that you’ve completed the transfer form correctly and signed it using a pen (rather than electronically).
You’ll also need to make sure that your information with Triodos is correct and that you’ve already applied to open the account you wish to transfer into. If you don’t, you can open an account via the Triodos Mobile App.
Yes, you can split your ISA allowance into different types of ISA: Cash, Stocks & Shares, Lifetime, and Innovative Finance.
After 6th April 2024 you can subscribe to more than one Cash, Stocks & Shares or Innovative Finance ISA. It is still only possible to have one Lifetime ISA.
Yes, it is possible to transfer between ISAs of different types. You can either transfer an existing Triodos ISA into an ISA of a different type (for example, a Triodos Cash ISA into a Triodos Stocks and Shares ISA) or transfer an ISA from another provider into a Triodos ISA of a different type.
Be aware, if transferring from a Stocks and Shares ISA, your investments will be sold. The transfer process usually takes between 14-30 days. We’ll write to you when the transfer is complete.
If you don't already have the Triodos ISA you wish to transfer into, you will need to open one first. You can do this via the Triodos Mobile Banking App.
To request the transfer, you’ll need to download and complete the relevant form below. The forms are interactive so you can fill out your details online, but you’ll need to print the form and sign it using a pen.
Then simply return it to ‘Freepost TRIODOS BANK’ and we’ll transfer the funds directly between your ISAs and protect your tax-free ISA status. Do not move funds out of an ISA yourself, because your money will lose this ISA status.
Stocks and Shares ISA transfer forms
•Transfer from another provider to a Triodos Stocks & Shares ISA
•Transfer from another Triodos ISA to a Triodos Stocks & Shares ISA
Cash ISA transfer forms
•Transfer an ISA from another provider to a Triodos cash ISA
•Cash ISA account type change request form
You can transfer all or part of an ISA from one type to another or between providers by indicating how much you would like to transfer on the relevant transfer form.
You can select whether you want to transfer:
If you are transferring part of a Stocks and Shares ISA, and your subscriptions are invested in more than one share class, please specify the name of the share class(es) from which you would like to sell the shares.
The Annual Service Charge is tiered, so customers who hold more than £250,000 in either their Triodos Impact Investment Account or Stocks and Shares ISA will pay a lower percentage on the investment balance over this amount.
Holdings in either a Triodos Impact Investment Account or Stocks and Shares ISA
The Annual Service Charge is calculated pro-rata quarterly based on the average value of your holding across the previous quarter. You can therefore look at your total holding and use this percentage to calculate the approximate charge. For example, if your average holding value for the quarter was £10,000, your Annual Service Charge will be £10 for that quarter.
If you don’t have sufficient cash in your Cash Account to cover your upcoming Annual Service Charge when we check your available balance on the first Calendar Day of a new quarter, we will arrange to sell some of your shares to cover the charge (there is no further charge to pay your Annual Service Charge in this way).
For more information see How do you decide which shares to sell from my holdings to cover my Annual Service Charge?
If you do not have enough money in your Cash Account to cover an upcoming Annual Service Charge, we will try to contact you beforehand by email or letter to let you know, so that you can pay into your Cash Account if you would like to.
Yes, once you add money into a Stocks and Shares ISA Cash Account linked to a Triodos Stocks and Shares ISA, this will count as an ISA subscription for the current tax year.
Whilst adding money to the Cash Account will count as an ISA subscription, dividends and sale proceeds paid into the Cash Account will not count as subscriptions.
Please note that the Triodos Stocks and Shares ISA is not a flexible ISA, and therefore cash withdrawn from a linked Cash Account cannot be replaced in the same tax year without the replacement counting towards your ISA allowance for the current tax year.
There is a 14 Calendar Day cancellation period applicable to susbcriptions into a Stocks and Shares ISA Cash Account. Any cancellation must be carried out by us, so if you want to cancel a subscription (for example, if you have accidentally transferred money into your Cash Account), please contact us and we will arrange this for you.
You can transfer some or all of an existing ISA to a Triodos Stocks and Shares ISA and invest in the Triodos Impact Investment Funds - without losing your tax-free ISA status. See How to transfer an existing ISA to a Triodos Stocks and Shares ISA and follow the transfer process to ensure your ISA transfer occurs without affecting your ISA allowance. Do not move funds out of an ISA yourself, because your money will lose this ISA status.
The person with legal parental responsibility who opened the account. When the account holder turns 16 the child may apply to be the account operator.
To top up a Triodos Stocks and Shares ISA, simply make an online payment into your linked Stocks and Shares ISA Cash Account. Once you add money into a Stocks and Shares ISA Cash Account, this will count as an ISA subscription for the current tax year.
You can then take your time to decide what investments you would like to make, safe in the knowledge that your money has already counted as a subscription for the current tax year.
The Triodos Bank sort code is 16-58-10 and you can find your Triodos Stocks and Shares ISA Cash Account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your account statements.
Remember that investments go up and down in value, so you could get back less than you put in.
Yes, you can change your existing Triodos cash ISA to a Triodos Online Cash ISA or Fixed Rate Cash ISA by completing and posting us the form below.
Changes to a different type of Triodos cash ISA are not permitted from Triodos Ethical Junior Cash ISAs or non-ISA savings accounts.
Before downloading the form to change your account type, please make sure you have read the following;
Once you have read the important information above please download, print and complete the form below, then post it to us at:
Freepost TRIODOS BANK
On receipt of a completed request, we will change the type of cash ISA you hold, the balance of your account and your account number will remain the same. All money held in the account will maintain its tax-free status and the change will not affect your subscription allowance. We will write to you to confirm when we have actioned your request.
Each child can have one Junior cash ISA and one Junior stocks and shares ISA at any one time. These can be with different providers.
A child cannot hold both a Junior ISA and a Child Trust Fund, with the same or different providers.
You can use your ISA allowance by 'wrapping' your existing impact investment funds in our Stocks and Shares ISA. Within the Stocks and Shares ISA you benefit from no further tax on income and no capital gains tax. The benefits of an ISA depend on your individual circumstances and tax rules may change in the future.
To wrap your existing holding in an ISA it must be sold and repurchased. The process of making this double transaction is also known as a 'Bed and ISA'. Follow the 3 steps below to do this:
Please note, when selling your holding outside of the ISA wrapper you will realise a capital gain or loss. Most people have a capital gains allowance of £3,000 (for the 2024/25 tax year), any gain below this amount means there is no charge on any profit you made. If you happen to make a capital loss this can be used to offset future capital gains.
We will take your Annual Service Charge in one of the following two ways:
Please note that if you have a Stocks and Shares ISA and have fully subscribed for the tax year, then you will not be able to add money to your linked Cash Account and your only option for payment of the charge will be for us to sell shares to cover the charge.
For more information, please also see What are the charges for investing?
We are not currently opening new Junior Cash ISAs, however you can transfer funds from your Right Start Saver into an existing Junior Cash ISA, subject to the Junior ISA allowance of £9,000 for the 2024/25 tax year.
When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.
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