Moving SAYE to ISA and CGT

[YellowHedgehog]

I have shares that I got through SAYE. I left the company and had the option to buy the shares early so I exercised my option at the end of September and bought the shares. I know if I transfer them within 90 days to ISA I don't pay CGT. I know I have left it pretty late to transfer them (about 10 days or so left) and I've tried to google to see how long it would take. I've seen somewhere where it said that the request for transfer needs to be within 90 days but not sure I understood it right. So my question is would it still be protected from CGT if my request is within 90 days and the transfer itself goes through after this? Or have I left it too late now and the transfer itself needs to be within 90 days? I have paper certificates (3 different years SAYEs) if that makes any difference for the length of transfer?

I don't have crazy amounts in there but possibly enough to get £4000 profit with current share price, the share price has shot up quite a bit and I've already used about £2000 of my this year's allowance. I don't plan to sell the shares in near future but would still like to avoid the tax when eventually deciding to sell.

I left mine late due to a miscommunication with the accepting provider but still managed to get it done within a week. I transferred them to a wealth management company because I could speak to a person they understood the urgency and acted accordingly. Get proof they were from a sharesave for your current provider as well.

If you can’t do it then presumably you can transfer held this tax year and half next and be under the CGT limit too from your numbers so I wouldn’t stress too much?

It's 90 to days to transfer, not just to give the instruction. Give your ISA provider a call and see if they can do it. If not, as PP says you can do it over 2 years.