When is the “Bed & ISA” deadline? Cut-off dates for major investment platforms

The “Bed & ISA” deadline varies from provider to provider. We share a round-up of the key dates across major investment platforms

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A “Bed & ISA” transfer can help you shield more of your income and capital gains from the taxman by moving your investments inside an individual savings account (ISA) – a tax-free wrapper. It’s a strange name but a useful transaction.

As moving your investments inside an ISA involves selling them on the open market before repurchasing them, the “Bed & ISA” deadline is usually several days before the end of the tax year.

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Platform

“Bed & ISA” deadline

Hargreaves Lansdown

4 April (2pm)

AJ Bell

28 March (5pm)

Bestinvest

1 April

Interactive Investor

31 March (4.30pm)

Vanguard

Five business days before end of tax year (28 March)

Fidelity Investments

31 March (9pm)

Charles Stanley

1 April (end of the working day)

Barclays Smart Investor

Funds: 3 April (9am)

Other: 4 April (3.30pm)

Moneybox

20 March (11.59pm)

Nutmeg

4 April (6am)

InvestEngine

Sell orders must be created by 2 April (2pm) with proceeds transferred into ISA account by 5 April (11.59pm)

Katie Williams
Staff Writer

Katie has a background in investment writing and is interested in everything to do with personal finance, politics, and investing. She enjoys translating complex topics into easy-to-understand stories to help people make the most of their money.

Katie believes investing shouldn’t be complicated, and that demystifying it can help normal people improve their lives.

Before joining the MoneyWeek team, Katie worked as an investment writer at Invesco, a global asset management firm. She joined the company as a graduate in 2019. While there, she wrote about the global economy, bond markets, alternative investments and UK equities.

Katie loves writing and studied English at the University of Cambridge. Outside of work, she enjoys going to the theatre, reading novels, travelling and trying new restaurants with friends.