How a switch typically works.

Seven illustrative guides, one per UK product type. The same shape every time: who the guide is for, the typical sequence, the common gotchas, and a comparison table of providers we track. None of it is advice.

1. 01 · Cash ISA

   Anyone earning a high-street rate

   Tax-free cash savings. Big-bank rates typically lag the higher-rate end by 1.5–2pp. Transfer route preserves the wrapper.

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2. 02 · Easy-access savings

   Cash outside any wrapper

   Instant withdrawals, variable rates. Faster Payments transfer is free and near-instant. FSCS deposit cover £120k per banking licence (from 1 Dec 2025).

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3. 03 · Stocks & Shares ISA

   Long-term invested money

   Platform-fee-driven. Above ~£100k a percentage-fee platform usually loses to a flat or capped one. In-specie transfer keeps you invested.

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4. 04 · Lifetime ISA

   Under-40s saving for a first home or retirement

   25% government bonus on contributions up to £4,000/year. Provider-to-provider transfers preserve the bonus; manual withdrawal triggers the 25% penalty.

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5. 05 · SIPP

   Self-invested pension

   Platform fees compound. Adviser-led pensions (SJP, Quilter, True Potential) are the highest-leverage switch case; HL above ~£100k is the canonical execution-only example.

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6. 06 · Workplace pension

   Old job pots + active workplace plans

   Old workplace pots are often cheaper inside a low-cost SIPP — though some schemes (NEST, L&G defaults) already undercut typical SIPP fees. Active schemes — keep contributions flowing for the employer match; some schemes allow regular partial transfers-out.

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7. 07 · Premium Bonds

   NS&I prize-draw cash

   Tax-free, gov-backed, prize-based. The maths usually shifts to a Cash ISA below ~£30k bond holdings — but small prize-draw slices are a personal-preference call.

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