This page is for employer use only and is not for use with employees

Coming soon: Save As You Earn (SAYE) to ISA from Aviva

Recent changes to tax rates means more of your employees with maturing SAYE or Sharesave schemes could be liable for Capital Gains Tax (CGT)
Our SAYE to ISA transfer service offers a way for them to keep the tax-free status of their investments within their £20,000 annual ISA limit
Your employees can keep their existing shares or choose from a range of investment options to suit their personal risk appetite

Supporting employees who have maturing SAYE funds

Aviva’s new SAYE to ISA transfer service allows your employees to move their maturing SAYE shares directly into an Aviva Stocks & Shares ISA. After they’ve chosen to move their shares and if it’s done within 90 days of exercise, it means they can safeguard their gains from Capital Gains Tax.

Once set-up, each employee can choose to:

keep their existing employer shares and continue to invest in where they work, or move into other UK shares or trading strategies - taking advantage of tax free growth.

Funds

diversify into one of 5,000 funds, from our simple ready-made funds that match risk profiles, to our Experts' Shortlist or self-select options.

Flexibility

take some or all of their money from the ISA with no fees or penalties and pay money back in the same tax year without affecting their annual ISA allowance.

Once an employee purchases shares their value can go down as well as up and they could get back less than invested.

If they move them into a Stocks and Shares ISA, charges will be applied to them.

Tax rules depend on individual circumstances and are subject to change.

Why transfer shares to an Aviva Stocks & Shares ISA?

With over 325 years of experience, Aviva is a trusted UK financial services brand, supporting more than 19.2 million customers. Our award-winning digital platform and broad range of investment and savings solutions help people take control of their financial future.

By transferring to an Aviva ISA, your employees get -

tax efficiency: Avoid CGT by transferring into a tax-free ISA wrapper.
a simple digital journey: A guided, online process makes transferring easy and stress-free.
flexible investment options: Choose from over 5,000 funds, trusts, or shares—or stick with their company shares.
ISA flexibility: Make fee-free withdrawals from their full investment amount and top-up when needed
everything in one place: Manage their ISA alongside other Aviva products via the MyAviva app.
proven success: When launched internally at Aviva, over 700 transfers were completed by staff in just two years, helping save between £500,000 - £1,000,000 in CGT.

How does Aviva's SAYE to ISA work?

Share Step 1 of 5

Employer communicates the offering with employees.

Open Step 2 of 5

Employee opens an Aviva ISA online.

Transfer Step 3 of 5

Aviva provides instructions on how to request a transfer.

Confirm Step 4 of 5

Employee confirms transfer via their scheme admin platform.

Complete Step 5 of 5

Aviva notifies the employee when the shares are in their ISA.