Can I transfer my Triodos Tessa Only ISA to an Online Cash ISA?

By completing an application for any of our Personal Savings accounts online you are automatically registered for Internet Banking and can manage your account online.

If your application was made by post, then Internet Banking access is available for the following Personal Savings accounts:

• Triodos Saver
• Triodos Cash ISA
• Triodos Regular Saver
• Triodos Fixed Regular Saver
• Triodos Charity Saver

You can also access Triodos Right Start Saver and Junior ISA accounts online, but you can't make payments from these accounts.

If you want to apply to manage your existing Triodos account online, download the application form below or call us on 0330 355 0355 and we'll send you one. Before completing an application form, please ensure you have read our Terms and Conditions for personal savings accounts below.

Yes, you can change your existing Triodos cash ISA to a Triodos Online Cash ISA or Fixed Rate Cash ISA by completing the form below.

Changes to a different type of Triodos cash ISA are not permitted from Triodos Ethical Junior Cash ISAs or non-ISA savings accounts.

Before downloading the form to change your account type, please make sure you have read the following;

• Key Features Document for Triodos Online Cash ISA
  
• Key Features Document for Triodos Fixed Rate Cash ISA
• Personal Banking Terms and Conditions
• Tariff of charges for Personal Customers
• FSCS information sheet

Once you have read the important information above, please complete and return the form to us either by chat message in internet banking, or post to: Freepost TRIODOS BANK.

On receipt of a completed request, we will change the type of cash ISA you hold, the balance of your account and your account number will remain the same. All money held in the account will maintain its tax-free status and the change will not affect your subscription allowance. We will write to you to confirm when we have actioned your request.

Yes, you can transfer other cash ISAs into a Triodos Fixed Rate Cash ISA. You can transfer previous and current years subscriptions held in another cash ISA. Transfers must be complete and your money received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.

When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.

If you arrange a transfer between ISAs by completing a transfer form, your tax-free ISA status will remain protected and the transfer will not affect your ISA allowance for the current tax year.

Don’t withdraw the money out of an ISA yourself or move it to a personal bank account. If you do this, your money will lose its ISA status. This means that you can’t reinstate it and you’ll permanently lose that portion of your ISA allowance. If you choose to re-add money that you’ve withdrawn from an ISA, you’ll use up a portion of an ISA allowance, unless you have a flexible ISA.

When the child is under 16 only the Legal Representative on the Junior Cash ISA account can operate it. This is the person with parental responsibility for the child who opened the account.

From the age of 16 a child can choose to remove the Legal Representative from the account, or open a Junior Cash ISA themselves, and then they operate the account themselves.

Log into the Triodos Mobile Banking App or internet banking and select your ISA account from the Overview screen. Then click on the Account Details header at the top of the transactions table. You will then be able to see how much you have subscribed to your ISA in the current tax year and any replaceable amounts of previous years’ subscriptions available to you.

Alternatively, if you do not have internet banking, please call us on 0330 355 0355 and our Contact Team will be happy to provide you with this information.

Withdrawals are not allowed until maturity for Fixed Rate ISAs. The only exception to this is if you close the account and/or transfer the full balance to another ISA. Early closure will result in an early access charge being applied equivalent to a number of days of interest.

2 year term – 180 days’ interest

3 year term – 270 days’ interest

You will still earn interest up to the closure date and the charge will be taken from the account balance. Depending on the date of closure, you may get back less than originally deposited.

Each child can have one Junior cash ISA and one Junior stocks and shares ISA at any one time. These can be with different providers.

A child cannot hold a Child Trust Fund at the same time as any type of Junior ISA, with the same or different providers. If the child already has a Child Trust Fund, this must be closed and transferred to the Junior ISA.

The notice period has been removed from Triodos Cash ISA, Triodos Saver and Triodos Charity Saver.  As a result these are now instant access accounts and no early access penalties will be applied.

For Fixed Rate ISAs withdrawals are not allowed until maturity. The only exception to this is if you close the account and/or transfer the full balance to another ISA.  Early closure will result in an early access charge being applied equivalent to a number of days of interest.

2 year term – 180 days’ interest

3 year term – 270 days’ interest

The charge will be taken from the account balance, so you may get back less than originally deposited. In exceptional circumstances the early access charge can be waived at our discretion.

Yes. As long as the child was a UK resident when the Triodos Junior cash ISA was opened, you will still be able to pay into it even though you and/or the child have moved abroad. 

It is not possible to change the type of account. However, once you have opened a Triodos Junior Cash ISA, you can move funds from your Good Start Saver or Right Start Saver into it, subject to the Junior ISA allowance of £9,000 for the 2026/27 tax year.

When the child turns 18 the account will automatically convert to an adult variable rate cash ISA in the child's name only. After this date, the child can choose whether to access the money or continue saving. We will send reminders nearer the time.

A child can only hold one Junior cash ISA and one Junior stocks and shares ISA at any time and cannot hold a Junior ISA and a Child Trust Fund at the same time as a Junior ISA of any type. So if your child already holds a Junior ISA of the same type or a Child Trust Fund, it must be closed and transferred to the Triodos Junior ISA.

You can also choose to transfer funds between a Triodos Junior Cash ISA and a Juior Stocks and Shares ISA, or between Junior ISAs with other providers.

• Transfers of current year’s subscriptions or transfers between the same type of Junior ISA must always be done in full.
• Partial transfers can only be done if they are previous years’ subscriptions and you are moving the subscriptions between different Junior ISA types e.g. Junior cash to Junior stocks and shares or Junior stocks and shares to Junior cash.

• The whole of the Child Trust Fund must be transferred and the Child Trust Fund subsequently closed.
• The annual subscription allowance for a Child Trust Fund is based on the child’s birth year while Junior ISA subscriptions are based on tax years. When a transfer of a Child Trust Fund to a Junior ISA has been made, the child can use the full Junior ISA subscription allowance for the tax year in which the transfer takes place regardless of any subscriptions made to the Child Trust Fund in that year. This only occurs in the tax year in which the Child Trust Fund is transferred. In subsequent years only the Junior ISA allowance can be used.

Yes you can. As long as your deposits are received within 60 days of opening the account, you may be able to subscribe into your Fixed Rate Cash ISA for two consecutive tax years. You will need to check the date your last deposit is allowed, this will be detailed on your account opening letter.

We will write to you one month before your Fixed Rate Cash ISA matures, asking you to let us know what you'd like to do with your funds. If we don’t hear from you, the account will automatically mature and change into an Online Cash ISA, keeping the same account number as your Fixed Rate Cash ISA.

You will then be able to keep the funds in this account and make further deposits, transfer the funds to another ISA (using a transfer form to retain the ISA status of the funds) or transfer the funds to your nominated account.

Yes, you can. However, from 17 December 2025, you will only be able to make payments in three currencies: British Pound (GBP), Euro (EUR) and US Dollar (USD).

To make a payment in a currency other than GBP, log in to your Internet Banking and click on Payments and choose the International Payment option. You will then be able to choose which currency you want to send and then complete all the relevant details. This is currently not available in the Triodos App. The charges for this service are explained in the Personal Banking Tariff for current and savings accounts.

In the UK, International payments are processed using the NatWest Mid-Market rate. The actual amount debited is calculated using the exchange rate used by NatWest at the time they send the funds. This is not available in advance.

We display the European Central Bank (ECB) rate in internet banking as an indication only.

The recipient bank, and any other bank used to send the payment, may charge additional costs to process a payment in a foreign currency which may mean the beneficiary will receive a lower amount.

Please note the cut-off time for International Payments is 1pm each working day. Timings for these payments being received vary depending on where the funds are going to. Please allow up to 10 business days for them to arrive if they are being sent outside of Europe.

No. All money paid into a Junior Cash ISA is a gift to the child and cannot be returned or withdrawn.

Withdrawals are not permitted until the child is 18 years old, except in the event of death or terminal illness of the child. When the child turns 18 the account will automatically convert into an adult cash ISA in the child's name only. Then only the child will be able to access the money.

It is, however, possible to transfer a Junior Cash ISA to a Triodos Junior Stocks and Shares ISA or to a Junior ISA with another provider at any time.

Yes. We will contact you one month before your fixed rate cash ISA matures, asking you to let us know what you'd like to do with your funds. You can then ask us to change your fixed rate cash ISA into another Triodos cash ISA, when it matures.

Alternatively, during the fixed term of your Triodos Fixed Rate Cash ISA, you can request to fully transfer your account into another Triodos cash ISA, but you will incur an early access charge as per the terms and conditions. The early access charge is equivalent to:

• 2 year term – 180 days' interest
• 3 year term – 270 days' interest

The charge will be taken from the account balance, so the balance in your new type of Triodos cash ISA might be less than originally deposited in your Fixed Rate Cash ISA.

Please note there is no charge when changing to a different type of Triodos cash ISA at maturity.

For more details, see our how-to guide below on changing your cash ISA to a different type of Triodos cash isa.