A flexible and tax-efficient way to save
Tax-free allowance
Save up to £20,000 each tax year with no income or capital gains tax to pay when you come to spend your savings.
Invest for the future
Your money is invested in funds within a ready-made portfolio. Choose the portfolio that best suits your investment goals.
Flexible withdrawals
Put cash in and take it out within the same tax year, without impacting your annual ISA allowance.
How we bring you onboard
When you're introduced to us by your Wealth Manager or Financial Adviser, you'll be given a personal link to get started. It's then easy to come on board.
1. Tell us who you are
We ask for basic information to get started. You'll need to be over 18, a UK resident and taxpayer, and not a US person.
2. Self-serve or take advice
Make your own decisions about product and investment choices. Or you can speak to a financial adviser for a one-off fee.
3. Choose a portfolio
Choose from our range of ready-made investment portfolios by finding one that best suits your circumstances and goals.
4. Speak to a Specialist
Our Savings Specialists will take you through the final steps of your transfer and will do all the admin for you.
5. Decide how to save
After transferring your current savings to us, you can save a regular amount each month or make one-off payments.
How much will it cost?
There's a total annual fee of up to 0.75% of the value of the assets in each product. This is made up of:
- Investment service fee of 0.52% for providing ongoing support in relation to your investment portfolio.
- Platform fee of 0.13% for running the online services that hold your investments.
- Fund fee of up to 0.10% for the operation of each of the funds within your investment portfolio.
There may be further transaction costs within the underlying funds, and Hubwise (our ISA provider) might charge adhoc servicing fees.
If you would like to take financial advice before making any decisions, we charge a one-off fee of up to £500.
Learn more about the Stocks & Shares ISA
A Stocks & Shares Individual Savings Account (ISA) is an investment account with a government tax incentive. You can invest up to £20,000 across one or more ISAs each tax year (correct for tax year 2024/25) without paying any capital gains tax on your savings growth, or income tax when you come to spend your savings. So it’s all yours. Tax rules are set by the Government and are subject to change.
You can withdraw your money at any time, although you should be aiming to keep your money invested for at least five years. And if you replace any withdrawals in the same tax year, you won't lose your tax allowance.
Remember - you can’t always withdraw money quickly from investments as it takes time to sell them. Or you might not want to withdraw money from an investment if (for example), markets are experiencing a downturn. So make sure you have cash on hand for any emergencies.
The Stocks & Shares ISA we offer has specific criteria around eligibility:
- You need to be under age 75 and resident in the UK for tax purposes. You must be at least 18 years old. Other providers may have different criteria.
- You can't open this ISA if you live and work overseas (unless you’re a Crown Servant or the spouse or civil partner of a Crown Servant), or you're a US person.
You should be comfortable investing for the long term (5 to 10 years).
An ISA can only be held by a single individual. It cannot be held jointly.
The biggest benefit of a Stocks & Shares ISA is that there’s:
- no capital gains tax on interest or investment growth
- no income tax
- no dividend tax if you receive dividend income from the funds you’re invested in
- no need to declare your ISA on your self-assessment tax returns
Your ISA might be liable for Inheritance Tax (IHT) though. If you die, the value of your ISA will be taken into account when calculating the value of your estate. If the total value of your estate is over the IHT threshold (currently £325,000), then your beneficiary will pay His Majesty's Revenue and Customs (HMRC) 40% of the amount above that threshold. There are ways to remove an ISA from your estate – see “What happens to my ISA if I die?”.
ISA regulations and tax rules are subject to change without notice by HMRC.
You can invest up to a maximum of £20,000 in total (i.e. across one or more ISAs) each tax year. This limit is correct for tax year 2024/25. It’s set by the government and can change. If you’re saving regularly into an ISA, you need to be careful not to go over this limit. This Stocks and Shares ISA has a minimum investment of £100.
You should be aware that the money you put in will be at risk and you might get back less than you invested. You should only invest if you have sufficient emergency funds set aside to cover necessary expenses.
With a Stocks & Shares ISA your money is placed in funds that are designed to go up in value more than a regular savings account. But that means the value of your savings could also go down and you might not get back the amount you invested. So when you choose how to invest your money, it’s important to understand what you’re investing in, and how these potential risks are managed. If you want to find out more about our investments, visit investment options .
For information specifically on investment risk, visit investment risk.
What would you like to do next?
Speak to a Savings Specialist
If you've been introduced to us by a financial adviser, you should have a link to our transfer form. For more information about the service we offer please contact us.
Transfer other ISAs
Once you've opened an account, you can transfer the value of other ISAs. Then you'll see everything in one place so you know where you stand and can plan for the future.
Important information
Remember that the value of your investment can go down as well as up and you could get back less than you invest. The information on this website should not be taken as a recommendation, advice or forecast. However, we do offer regulated financial advice if you're unsure about investing. Ask our Savings Specialists for more information about this service.
The tax you pay will depend on your personal tax position, and tax rules are subject to change by the UK Government. This is not tax advice. If you need more information, please speak to a tax adviser or an accountant.