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Bed & ISA

Use existing investments to open or top up
a Stocks & Shares ISA

You don’t need to invest new money to make the most of your annual ISA allowance, instead we can use existing investments by selling them in your TD Trading Account and we will buy them back in your linked TD ISA. This counts towards your annual ISA subscription and means that more of your investments are sheltered from the taxman.

How it works

We sell your investment holdings.

We use the money to repurchase the same investments within your ISA.

We do this instantaneously for you.

Things to consider before giving a Bed & ISA instruction

Your existing investments must be held in your Trading Account before the transactions can take place, so if you want to sell a certificated shareholding it must be deposited beforehand.

You must link your Trading account and TD ISA beforehand - to do so, login and click 'My Profile > Link My Accounts'.

Market movement in the bid & offer prices may mean that we buy back more or less units/shares in your TD ISA than you originally held in your TD Trading Account.

Selling your existing investments may incur a Capital Gains Charge - note that any gains may be covered by your Annual Exempt Amount.

You cannot Bed & ISA international stock.

Bed & ISA Charges

  • No commission is charged on the sale in your Trading Account but repurchase charges do apply
  • For online requests your online commission rate is charged on the re-purchase in your TD ISA
  • For telephone and postal requests the Telephone trades commission rate is charged on the re-purchase in your TD ISA
  • Government stamp duty of 0.5% also applies to re-purchases of UK registered stocks

Complete our online Bed & ISA in 3 simple steps

You need to have a Trading account and a TD ISA that are linked


Step 1

Login to your Trading account and choose 'Bed & ISA Request' from the 'Payments/Transfers' menu.


Step 2

Select your accounts, check your remaining subscription, lookup existing holdings and complete the form.

Step 3

Preview and submit your instructions, and leave the rest to us.


Call us on 0345 607 6001 or complete and sign the Bed & ISA form.


Understanding the Risks

The value of your investments and the income derived from them can go down as well as up and you may not get back all the money you put in. The tax treatment of this product depends on your individual circumstances. All Bed & ISA instructions will be executed as soon as practically possible.