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Information for existing ISA customers

If you have an existing ISA with us, find out what charges apply and see our FAQs.

Stocks and shares ISA

We do not currently offer a stocks and shares ISA to new customers. If you are an existing abrdn ISA customer, you will not be affected and can continue to log in as usual here and you can also view your charges information and FAQs below.

Understand ISA charges and how they are applied

Find out about ISA charges and how they're applied. With our Stocks and Shares ISA, you'll pay an overall yearly charge, which is made up of:

  • A platform charge - covering the costs of the services we provide to manage your account
  • A fund charge - covering the costs of managing the fund(s) you're invested in
Our platform charges
Value of platform eligible assets Yearly platform charge
On the first £200,000 0.35%
£200,000+ 0.20%

Comparing Platform Charges

Jargon in financial services can be confusing which makes it hard for you to compare services or to understand what you will pay. This document identifies the main components of platform charges and explains what these different charges might look like.

Comparing Platform Charges - Wrap

Fund charges

  • Easy option - you'll pay a fund charge of 0.20%.
  • DIY option - the fund charge will depend on the fund(s) you choose to invest in.

You can find details of all of the charges associated with our ISA and the investment choices you make as part of your application. You can also read our key features document.

Interest rates

With our ISA, you're automatically set up with three cash accounts. We may pay an interest rate on the cash held in these accounts. We apply a cash management administration charge (CMAC) for the administration of the cash held in these accounts too. Different interest rates and CMACs may apply to each account; these rates are variable so may go up and down.


Cash account Cash interest rate (annual) CMAC (annual)
Platform cash account 1.19% 1.75%
Stocks and Shares ISA cash account 1.35% 1.59%
Personal Portfolio cash account 1.35% 1.59%

Cash management administration charges (CMAC)

The CMAC is in addition to any platform and product charges that may apply to these cash accounts.

This charge is taken directly from the interest received from the bank(s) used to provide these accounts and so isn't deducted from the interest we pay you.

The charges vary depending on the interest received from the bank(s) and may go up and down regularly. 

The CMAC rates stated are example annual rates based on the interest rates received from the bank(s) used to provide these accounts as at 07/11/2022, and assuming a Bank of England base rate of 3.00%.

For the current or previous CMACs please call us.

Get in touch

Important information about our ISA

If you want to know all about our ISA and how it works, read the key features document.

Existing ISA customers: FAQs

There’s no fixed time limit that you have to keep money in a Stocks and Shares ISA for. But you should think of a Stocks and Shares ISA as a medium to long-term investment, which means you should usually hold it for at least five years.

You can transfer a Stocks and Shares ISA to us without losing any of your tax status. It’s also possible to transfer a Cash ISA to a Stocks and Shares ISA with us. However, we can’t currently accept Lifetime or Innovative Finance ISA transfers.

We don’t charge you for transferring an ISA to us, but you should check with the provider you’re transferring from if any charges will apply. You can get more information about transferring other ISAs to us once you’ve opened your account. 

Under ISA rules, there’s a limit on how much money can save or invest in ISAs in a single tax year. The ISA allowance is currently £20,000.

The returns you get with your Stocks and Shares ISA will ultimately come down to how much you invest, how your investments perform and how long you remain invested, minus any charges.
You can make as many ISA transfers as you want.
You can take money out of your ISA at any time – either regularly or as a one-off. But occasionally some funds may put restrictions on withdrawals, which may mean you won’t receive your money straightaway.
Yes, as long as you haven’t reached the annual ISA allowance limit.
You don’t have to include ISAs in your tax return to HM Revenue & Customs.
You won’t pay capital gains tax or income tax on your ISA investments.
We offer a range of financial advice services, including investment advice. Or you can find an independent financial adviser in your area at unbiased.com
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Explore fund options

There are more than 3,000 mutual funds on our platform. Download our regularly updated list to see which funds are available.

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