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Help your money grow with our ISA

Don't let inflation erode your long-term savings. Start investing today with our simple, value-for-money Stocks and Shares ISA.

What is a Stocks and Shares ISA?

A Stocks and Shares Individual Savings Account (ISA), also known as an Investment ISA, is a tax-efficient way to invest. What that means in practice is that you won't pay any income tax on any investment returns you make in your ISA, or when you take money out of it.

Under ISA rules, you can currently pay up to £20,000 in a tax year into a Stocks and Shares ISA – known as the ISA allowance.

There's plenty of flexibility in where and how you invest too, with a choice of regular and lump-sum payments and investment options for beginner and experienced investors alike.

In exchange for the tax efficiency and flexibility, you'll need to accept an element of risk. If you’re not willing to take any risk, then investing probably isn’t for you. All investments can go down as well as up, and you may get back less than you paid in. And as all investments can fluctuate in value, particularly over shorter periods, you should also be willing to keep your money invested for at least five years.

Expertly designed

We've been helping people look after their financial futures for nearly 200 years.

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Pay less, save more

Our charges are clear, simple and competitive, so you get to keep more of your money.

Simple and straightforward

Our ISA is quick and easy to open, and you can manage it online 24/7.

Get started in 3 simple steps

You can open a Stocks and Shares ISA in just minutes - it's as easy as 1-2-3. Along with a few personal details, such as your National Insurance number and debit card/bank information, you'll need to confirm: - You are 18 years or older - You're a UK resident or classes as a crown servant (for example you work for the diplomatic or overseas civil service) - The ISA is for you

Open an ISA

1. Open an account

Sign up and choose whether you want to invest your money in our easy or DIY option.

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2. Choose your payments

Make a one-off payment, or set up a direct debit to invest regularly every month.


3. Let your money get to work

Manage your account and track your investments whenever you want using our online service.

Clear, great value charges

Our charges are some of the most competitive in the market.

Yearly platform charge Value of investments
0.35% On the first £200,000 invested
0.20% On anything invested over £200,000

You'll also pay an ongoing fund charge - currently only 0.20% if you're invested in one of our easy option funds.

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Why you should consider investing

In a nutshell, because over the long term investing can be a great way of giving your money the opportunity to beat inflation, and potentially grow in value. So while it makes sense to have some cash savings to cover emergencies, or if you need easy or regular access to your money, investing may be a better option for longer-term savings goals.

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Make your tax-free allowance work harder

Invest up to £20,000 in our Stocks and Shares ISA in a tax year, and give your savings the potential for returns that could beat inflation. Use our handy calculator to see how much your money could be worth in the future if you invested it.

Use our calculator