• Earn better returns than a Cash ISA and less complex than Stocks and Shares
• Invest in our Access, Plus and Max products
• Free to transfer your existing ISAs to RateSetter
• Flexible to withdraw and reinvest your money within the tax year

You can transfer in any number of Cash ISAs, Stocks & Shares ISAs and other Innovative Finance ISAs. Transfers In from previous tax years don't affect your current annual £20,000 ISA allowance, and there is no limit on how much you can Transfer In. There is also no limit on the number of different ISAs you can transfer to us.

Please note that tax treatment depends on individual circumstances and may be subject to change in the future. ISA rules apply.

If you’re transferring from a Stocks & Shares ISA or other Innovative Finance ISA, you must transfer your investment in the form of cash. This means that you may have to sell out of any shares, bonds, loans etc and turn the investments into cash so that it may be transferred.

To avoid losing the ISA tax-free benefit wrapper you should avoid closing or withdrawing money from your existing ISAs with the intention of reinvesting it in your RateSetter ISA. Leave your other ISAs open with the balance in them and we’ll initiate the transfer on your behalf so that you retain your tax-free benefits.