The value of your investment can go down as well as up and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.

Set up your ISA in 3 simple steps

number 1

Select your funds

Pick from our Easy or DIY options – depending on your preferences.

number 2

Choose your payments

Pay as much as you want, when you want with regular or lump sum payments.

number 3

Confirm your details

We’ll need to know you’re a UK tax payer to be eligible.

Why invest in an ISA?

  • Tax efficient – save up to £20,000 per tax year and pay no tax on any interest or returns you make
  • Accessible – save for the long term with the ability to take money out if you need to
  • Growth potential – give your money the potential to grow over time
  • Simple – no need to declare on your tax return

Why choose our ISA

You can use our Stocks & Shares ISA (Individual Savings Account) to save money tax efficiently. With cash interest rates at an all-time low, investing more in a Stocks & Shares ISA now could increase your opportunity for greater returns.

  • Quick – open your ISA in minutes
  • Competitive - low charges
  • Flexible – range of investment options
  • Easy – pay as much as you want, when you want within the ISA limits
  • Adjustable – manage your account online at any time
  • Efficient - once you have our ISA, you can transfer other ones to it

How much does an ISA cost?

The cost of an ISA is made up of:

  • The platform charge (the cost of the services we provide you)
  • The total fund charge (which you pay to invest in a specific fund)

How much an ISA with us costs will depend on the investment choices you make. If you choose our Easy option, your overall annual charge will be 0.55%. For a full breakdown and to understand how our charges work, see our ISA charges page. You can also find details of all the charges associated with our ISA and the investment choices you make during your application.

Read more about our charges

Grey Coins

Funds to suit you

We have two options when it comes to investing your money.

You should make sure your investment choices meet your savings goals and attitude to risk. The higher the level of risk, the more your investment could go up and down in value. If you aren’t comfortable taking even a small amount of risk with your money then investing might not be right for you.

You can review details of all of the funds available, including charges, factsheets and key information documents as part of setting up your ISA.

Grey Coins

Our easy option

Choose one of five MyFolio Index funds based on how much investment risk you’re comfortable taking. The experts from Aberdeen Standard Investments will then manage these funds with the aim of achieving the best possible returns for you for that level of risk.

This could be a good choice for those who don’t have the time to look after their own investments or who are new to choosing and managing funds.

Grey Coins

Our DIY option

If you feel more comfortable choosing your investments you can pick from the full range of thousands of funds covering different asset classes, regions and investment styles.

You’ll also need to take time to regularly review and monitor your choices, and ensure the risks and investments are still appropriate for your goals.

Get started with your ISA

More information about our ISA

If you want to know all the detail about our ISA and how it works, read the Key Features document.

ISA key features

Ready to open an ISA?

Apply online in minutes – make sure you have your National Insurance number and debit card/bank details handy.

  • Select your investment choice
  • Set up your payments
  • Register to manage your ISA online

Get started with your ISA

Common questions about ISAs