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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

The following table shows the standard level of charges:

Value of platform eligible assets Yearly platform charge
On the first £200,000 0.35%
£200,000+ 0.20%

Please note this may differ from the charge that applies to your account. For the specific charge that applies to your account see your charging schedule and your charges information document. If you would like more information about your charges or how they impact your account, please call the customer centre on 0345 113 6966. Call charges will vary.

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 - WrapopensInNewWindow

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

You automatically have access to a Platform cash account. In addition, the Wrap platform also operates cash accounts at a product level.

The annual gross interest rate we pay you on the Stocks and Shares ISA cash account and Personal Portfolio cash account is calculated with reference to the Bank of England base rate. This means that you can always work out what the interest rate paid will be, using the table below (paid rates are rounded up to the nearest 0.01%):


Base rate (per tier) % of interest paid to customers
0.00% - 0.50% 0%
0.50% - 1.00% 30%
1.00% - 2.00% 50%
2.00% - 5.00% 70%
5.00% + 100%

For example, under the base rate announced on 3rd August 2023 of 5.25%, the rate we pay to customers on product level cash accounts is 3.00% per annum. This is calculated as 0% of the first 0.50%, plus 30% of the next 0.50%, plus 50% of the next 1.00%, plus 70% of the next 3.00%, plus 100% of the next 0.25%; i.e. 0.00% + 0.15% + 0.50% + 2.10% + 0.25% = 3.00%

Interest is calculated daily. If the base rate is negative this table will not apply, and paid rates may become negative. When the Bank of England base rate changes, the rate paid to customers will be updated within five working days. The interest rate on the Platform cash account is 0.00% per annum.


Cash management administration charges (CMAC)

The rate we earn from our banking partner(s) may be higher or lower than base rate and may vary daily. We retain any additional interest earned as a margin to cover costs in managing cash. We call this margin the Cash Management Administration Charge (CMAC). The CMAC is taken directly from the interest received from the bank(s), so will not appear as a separate charge.

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 you 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
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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.

Download now