Compare Investment ISAs
Invest your long term savings in a stocks and shares ISA
10 results found, based on your search criteria
Hargreaves Lansdown
Hargreaves Lansdown
Online Applications
Number of Funds
2500+Minimum Investment
£100 or £25 per monthManaged By
Phone, Web and App
Excellent online, telephone and app based account management, access to exclusive expert research. Choose from 2500 funds, shares investment trusts to build your portfolio and discounts on top funds or choose from a ready made portfolio.
Remember, investment returns are not guaranteed, you may get back less than you invested.
Wealthify
Wealthify
Online Applications
Number of Funds
10Minimum Investment
£1 per month or lump sumManaged By
App and Web
Transparent fee structure, regressive management fees, dropping from 0.7% for £1 investments to 0.4% for £100k+ investment. Personal investment plans built by experts on your behalf, 0.22% fund charge and 0.07% average transaction charge.
Remember, investment returns are not guaranteed, you may get back less than you invested.
Standard Life
Standard Life
Online Applications
Number of Funds
2000+Minimum Investment
£1+Managed By
Phone and Online
Easy ISA - managed ISA to match how you feel - fees from DIY ISA choose from thousands of funds, no additional charges ofr switching or taking money out Platform charge 0.35% under £200,000 and 0.2% over it + fund charge (may be discounted).
Remember, investment returns are not guaranteed, you may get back less than you invested.
Legal & General
Legal & General
Online Applications
Number of Funds
50+Minimum Investment
£20 per month or £100Managed By
Web and Phone
Legal & General offers a wide range of investment options, both DIY and managed ISAs. No platform charges, charges vary by fund.
Remember, investment returns are not guaranteed, you may get back less than you invested.
Aegon
Aegon
Online Applications
Number of Funds
4Minimum Investment
£1Managed By
Web and Phone
Choose from a tailored range of four funds, each designed to satisfy a different risk appetite. Regressive charges, base charge of 0.5% on the 1st £50,000.
Remember, investment returns are not guaranteed, you may get back less than you invested.
Nutmeg
Nutmeg
Online Applications
Number of Funds
10Minimum Investment
£500Managed By
Web and App
Setup in under 10 minutes. Choose from Fixed allocation portfolios - designed to perform without intervention with 0.45% fees under £100k and 0.25% over. Fully managed portfolios and socially responsible portfolios - 0.75% up to £100k and 0.35% over.
Remember, investment returns are not guaranteed, you may get back less than you invested.
Fidelity
Fidelity
Online Applications
Number of Funds
4000+Minimum Investment
£50Managed By
Self-Select or Managed
Funds from 100 different providers with discounts including Fidelity with award winning guidance. Fees from £45 on under £7500 or 0.35% on up to £250,000 across all your Fidelity accounts.
Remember, investment returns are not guaranteed, you may get back less than you invested.
Charles Stanley
Charles Stanley
Online Applications
Number of Funds
10,000+Minimum Investment
£1,000Managed By
Self-Select or Managed
Charles Stanley offer a discretionary and self select Investment ISAs. Award winning direct to consumer Investment platform and Platform charge of 0.35% on the first £250,000. Fund charges will apply.
Remember, investment returns are not guaranteed, you may get back less than you invested.
AJ Bell
AJ Bell
Online Applications
Number of Funds
2000+Minimum Investment
£500Managed By
Self-Select
Low cost dealing, you choose your investments from over 2000 funds, stocks & shares, investment trusts and ETFs. Expert investing content guides and videos. Invest from £25 per month. 0.25% charge on Funds and shares up to £250,000. Fund charges may apply.
Remember, investment returns are not guaranteed, you may get back less than you invested.
True Potential Investor
True Potential Investor
Online Applications
Number of Funds
5Minimum Investment
£1Managed By
Managed
True potential investor will assess your personal circumstance and attitude to risk to offer you a suitable Fully-Managed Investment Portfolio Service with 9000 experts from 200 locations creating a set of fully managed investment portfolios. Service charge of 0.4% and portfolio management cost of around 0.76% per year.
Remember, investment returns are not guaranteed, you may get back less than you invested.
- ISA guide
- Investment ISAs FAQs
- About our savings accounts comparison
An ISA (Individual Savings Accounts) enables you to save with all interest and growth free from tax.
There are more ISA options than ever before, but the right type for you will depend on your personal circumstances and risk appetite.
There are more ISA options than ever before, but the right type for you will depend on your personal circumstances and risk appetite.
In this guide
What is an ISA?
An ISA is a savings account that you don’t pay tax on.
You can save up to £20,000 in the 2019/20 tax year in ISAs. But you cannot put new money into more than one of the same type of ISA in a tax year.
Any interest on cash is paid tax-free, while any income or growth on investments held in an ISA are not subject to tax.
You can save up to £20,000 in the 2019/20 tax year in ISAs. But you cannot put new money into more than one of the same type of ISA in a tax year.
Any interest on cash is paid tax-free, while any income or growth on investments held in an ISA are not subject to tax.
Cash ISA
Cash ISAs are a type of savings account available from banks and building societies. Your money is protected by the Financial Service Compensation Scheme FSCS. – which covers up to £85,000 with a single provider.
Like standard savings accounts, there are various different cash ISAs to choose from.
Like standard savings accounts, there are various different cash ISAs to choose from.
What are the different types of cash ISA?
Cash ISAs come in many forms. However, the most common types of cash ISAs may be described as easy access, instant access, variable, flexible, and fixed-rate. On all these accounts, interest is earned tax-free.
Instant Access & Easy Access Cash ISAs
Instant access cash ISAs allow you to withdraw your money at any time without any restrictions. You can make as many withdrawals as you want, without penalty.
With an easy access cash ISA, your money is easily accessible, but you may face a short delay before you can take out your money. You may also be restricted in the number of withdrawals you can make, without penalty.
The payoff for flexibility is that interest rates on these accounts are typically a lot lower, and variable than for fixed-rate cash ISAs.
With an easy access cash ISA, your money is easily accessible, but you may face a short delay before you can take out your money. You may also be restricted in the number of withdrawals you can make, without penalty.
The payoff for flexibility is that interest rates on these accounts are typically a lot lower, and variable than for fixed-rate cash ISAs.
Fixed-rate ISAs
A fixed-rate cash ISA pays a set amount of interest for a certain period. If you put your money into Fixed rate cash ISA, you should expect to pay a penalty for making withdrawals. However, rates are typically higher than for an instant or easy access cash ISA.
Beware that penalties could potentially result in you ending up with less cash than your original deposit. So if you’re saving into a fixed-rate account, it’s important to be fairly certain you won’t need access to the money over the short-term.
Beware that penalties could potentially result in you ending up with less cash than your original deposit. So if you’re saving into a fixed-rate account, it’s important to be fairly certain you won’t need access to the money over the short-term.
Flexible ISAs
Many cash ISAs are now flexible. A flexible cash ISA will allow you to withdraw money from your cash ISA and provided you replace the money within the tax year, with this affecting your ISA allowance.
However, your ISA allowance remains the same, so you can only pay in money in the current tax year up to this amount.
However, your ISA allowance remains the same, so you can only pay in money in the current tax year up to this amount.
Lifetime ISAs
Lifetime ISAs (LISAs) were launched in 2017 as a way of helping you save for a home, or your retirement. Put money into a LISA and the government will add 25% on top as a bonus.
However, this money must be used to buy your first home (under £450,000) or only withdrawn over the age of 60, else the 25% bonus will be taken back by the Government.
You can only open an account if you are under 40, and save a maximum of £4,000 a year into a LISA until you’re 50.
Any money you deposit into your lifetime ISA will contribute to your overall £20,000 ISA limit. So you may be restricted in how much you can deposit into other ISAs after contributing to a LISA.
LISAs have typically appealed more to wannabe first-time buyers, with the bonus boosting the amount of deposit saved.
If you’re saving towards retirement, and have access to a workplace pension, this is likely to beat a LISA. Tax relief on pension contributions combined with your employer's minimum 3% contribution will amount to more than the 25% added by government to a LISA.
However, this money must be used to buy your first home (under £450,000) or only withdrawn over the age of 60, else the 25% bonus will be taken back by the Government.
You can only open an account if you are under 40, and save a maximum of £4,000 a year into a LISA until you’re 50.
Any money you deposit into your lifetime ISA will contribute to your overall £20,000 ISA limit. So you may be restricted in how much you can deposit into other ISAs after contributing to a LISA.
LISAs have typically appealed more to wannabe first-time buyers, with the bonus boosting the amount of deposit saved.
If you’re saving towards retirement, and have access to a workplace pension, this is likely to beat a LISA. Tax relief on pension contributions combined with your employer's minimum 3% contribution will amount to more than the 25% added by government to a LISA.
Innovative finance ISA
An Innovative finance ISA enables you to hold peer-to-peer lending investments in your ISA. They are also commonly referred to as peer-to-peer ISAs, and offer tax-free returns on any and all interest generated.
Peer-to-peer (P2P) lending has been around since the early 2000s and allows you to lend money to individuals and companies through the P2P platforms, in return for interest.
To help reduce the risk, most platforms will spread your money across a number of debtors to minimise the impact of any one defaulting.
Beware that your money could be at risk from the people or businesses you've invested in defaulting or potentially as a result of issues with the peer-to-peer platform. While there may be safeguards in place, your investment isn’t protected by the FSCS.
Peer-to-peer (P2P) lending has been around since the early 2000s and allows you to lend money to individuals and companies through the P2P platforms, in return for interest.
To help reduce the risk, most platforms will spread your money across a number of debtors to minimise the impact of any one defaulting.
Beware that your money could be at risk from the people or businesses you've invested in defaulting or potentially as a result of issues with the peer-to-peer platform. While there may be safeguards in place, your investment isn’t protected by the FSCS.
Why invest, if money isn't protected?
The attraction of investing in innovative ISAs is that they may offer seemingly higher returns than cash ISAs, with advertised rates ranging from 5% to as much as 12%.
However, these are not cash accounts. There is no guarantee of returns, and your money can go down as well as up – like any investment.
If you're thinking about taking out an Innovative ISA, you may wish to consider seeking professional financial advice from a FCA-registered adviser.
However, these are not cash accounts. There is no guarantee of returns, and your money can go down as well as up – like any investment.
If you're thinking about taking out an Innovative ISA, you may wish to consider seeking professional financial advice from a FCA-registered adviser.
Stocks and Shares ISA
These enable you to invest in a range of assets, such as funds and shares on the stock exchange, with returns free from tax.
They may allow you to invest in the following asset classes:
They may allow you to invest in the following asset classes:
- corporate bonds
- stocks and Shares (on any recognised stock exchanges)
- open-ended investment companies (OEICs)
- investment trusts
- unit trusts
However, you will only be able to invest in the assets offered by your chosen ISA investment platform and many will not cover all the different asset classes listed.
If you take out an ISA directly with an investment manager, you will be able to invest in their funds on a self-select basis or chosen for you to match their interpretation of your risk profile. Picking a ‘ready-made portfolio’ may be a sensible option if you do not have the time to actively manage your investments, or are inexperienced.
Remember, the value of investments can go up or down. If you are unsure of where to invest, seek profesisonal financial advice from an adviser registered with the FCA.
If you take out an ISA directly with an investment manager, you will be able to invest in their funds on a self-select basis or chosen for you to match their interpretation of your risk profile. Picking a ‘ready-made portfolio’ may be a sensible option if you do not have the time to actively manage your investments, or are inexperienced.
Remember, the value of investments can go up or down. If you are unsure of where to invest, seek profesisonal financial advice from an adviser registered with the FCA.
Can anyone get an ISA?
Basic criteria:
- Minimum starting deposit
- Over the age of 16 (unless a Junior ISA)
- Over the age of 18 (specific to Stocks and Shares ISA)
- Over 18 and under 40 to open a Lifetime ISA
- Official residency in the UK
- Official, valid National Insurance Number
Can you have multiple ISAs?
You can open multiple ISAs each tax year, but you can only open one of each ISA type each tax year. However, transfers from ISAs opened in previous tax years do not count.
Yes, you can have multiple investment ISAs. However, you can only pay into one per tax year. You can also split your ISA allowance of £20,000 between different types of ISA.
No, but you can only pay into one single investment ISA each tax year.
If you invest in stocks, shares and other investment products, the value can go up as well as down and you may get back less than your original investment. If the companies invested in were to go bust you may lose all your money. If the investment is with an authorised firm then up to £85,00 will be protected if the firm fails under the Financial Services Compensation Scheme (FSCS).
Yes, the maximum investment amount that will be protected under FSCS is £85,000, up from £50,000 since April 2019.
The majority of investment ISA providers will allow you to track your investment ISA online, or via a financial adviser.
No. Returns on investments aren't guaranteed. Your investment may go up and down in value, because it is subject to stock market volatility. You may end up losing money. However, your returns could also be higher than cash if the market performs well.
You can open both a cash and investment ISA within the same tax year. However, the total amount you put in cannot be greater than your £20,000 allowance. But your money in cash ISAs isn't invested in the stock market - you earn a return based on its current interest rate.
We have a Savings account data feed from the data specialists defaqto. They provide us with over 100 daily updated data items that we use to compile our various savings and ISA listings on Everything Financial.
Defaqto have a team dedicated to ensuring the information that they provide to us and others is accurate. However, it is your responsibility to check the details of any products and services before you apply.
Getting data from defaqto, running servers and employing a team to run the website costs money. So, like almost all comparison sites we list the best “affiliated” links first, but ordered according to the sorting options displayed. We then display the unaffiliated links after this.
The listings are ordered by whichever feature you have shown an interest in.
For savings based listings, this is typically according to the AER (Annual Equivalent Rate). In most cases, the secondary order is alphabetical, to for ease of searching. On pages with more than 30 listings we may also provide additional sort and filter options to allow you to more easily find products of interest to you.
We have excluded accounts with geographical boundaries as they are not relevant to most of our users.
Defaqto have a set of criteria that they use to assess the quality of different current accounts. Broadly speaking a 5 star product will have lots of features and a one star product won't.
In many cases, a savings account is a savings account and the features that determine the rating are more easily expressed by showing those features. As such, we have shown those features rather than the star ratings whether we have thought the features are more relevant to your decision making.
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