FAQ categories
- Buying and selling investments
- AJ Bell funds
- What are the AJ Bell funds?
- How do I buy an AJ Bell fund?
- What are your charges for the AJ Bell funds?
- What is the minimum investment into the AJ Bell funds?
- Do the AJ Bell funds pay out income?
- What peer groups do you use for the Favourite funds list?
- When do the two AJ Bell income funds pay out income?
- Funds, ETFs and investment trusts
- What is a fund?
- What is the difference between income and accumulation units?
- What is an exchange traded fund or ETF?
- What is an investment trust?
- What charges will I pay when I invest in funds?
- Can I deal in collective investments?
- Can I deal in funds?
- How are funds priced?
- How do I find the key information about a fund?
- How do I know what price I will get for my fund deal?
- How do funds (unit trust and OEICs) pay out income?
- What charges do I pay for investing in funds (unit trusts and OEICs)?
- What is the difference between a KIID and a KID?
- What is a fund factsheet?
- IPOs
- What is an IPO?
- How do I apply for an IPO?
- How much can I invest in an IPO?
- What are the charges for investing via IPOs or new issues?
- Why do companies have an Initial Public Offer?
- How do I find out about upcoming IPOs and new issues?
- When will the offer price be known?
- When will I know my allocation for an IPO?
- How will I find out if there are any special discounts or shareholder perks?
- When can I sell my shares following an IPO?
- How long are IPO applications open?
- Does the IPO qualify for an ISA or SIPP?
- Can I take part in a private placing?
- Limit and stop loss orders
- Can I place a stop loss order?
- How do I place a limit order?
- What is the difference between a stop loss and a limit order?
- Can I edit or cancel a limit or stop loss order?
- Are there any additional charges for placing a limit or stop loss order?
- Can I place limit and stop loss orders in the app?
- Can I place limit and stop loss orders on international stocks?
- Could my limit or stop loss order fail?
- Overseas dealing
- Placing your order
- Can I change my investments?
- Can I place a deal outside market hours?
- Can someone else place a deal for me?
- Do I have to wait before I can reinvest the money I make from selling an investment?
- How can I buy or sell investments in my account?
- How can I deal in complex financial instruments?
- How do I deal if I can’t find the investment I want to deal in?
- How do I deal if the website is not working?
- How do I pay for my deals?
- How do I place a deal?
- How do I search for the investment I want to deal in?
- How do I view my completed deals?
- How quickly will my deal be processed?
- Is there a minimum I can buy or sell?
- What if I make a mistake when placing my deal?
- What is an EPIC or TIDM code?
- What is an ISIN or SEDOL number?
- What is my dealing limit?
- Where can I find out my ‘available cash’ balance?
- Shares
- Am I guaranteed the quoted price when I place a deal?
- How do I see a share price?
- I am trying to sell my shares but the ‘sell’ option is not available on the buy and sell screen
- If my deal is too large to complete online, what should I do?
- What do I do if there is no online quote when I try to place a deal?
- What is the PTM levy?
- Will I always get a quote when I try to place a deal?
- AJ Bell Ready-made portfolios
- How do the Ready-made portfolios work?
- Can I use the regular investment service for the Ready-made portfolios?
- Do I need to invest a minimum amount into the Ready-made portfolios?
- How do I keep track of the investments in my Ready-made portfolio?
- How do I know if the Ready-made portfolios have changed?
- How do I rebalance my Ready-made portfolio?
- In which accounts can I invest in the Ready-made portfolios?
- What are the charges for the Ready-made portfolios?
- AJ Bell funds
- Charges and rates
- Can I pay charges from outside my ISA?
- Can I pay charges from outside my Junior ISA?
- Can I pay charges from outside my Junior SIPP?
- Can I pay charges from outside my Lifetime ISA?
- Can I pay charges from outside my SIPP?
- Do I need to have a minimum cash balance?
- How do you collect charges from me?
- What does my costs and charges statement tell me?
- What interest rate will I earn on the cash I have in my account(s)?
- What is stamp duty?
- When are charges collected?
- Managing your account
- Account security
- Communicating with us
- How do I let you know that someone has died?
- How do I read Shares magazine?
- How do I receive information about your special offers and investing events?
- How do I stop receiving text messages from you?
- How do I unsubscribe from emails?
- What is a secure message and what should I use it for?
- Where can I find my secure messages?
- Linked accounts
- Logging in
- Can I change my username?
- How do I change my password?
- How do I set up two-factor authentication?
- What do I do if I am having problems logging in to my account?
- What do I do if I’ve forgotten my password?
- What do I do if I’ve forgotten my username?
- What do I do if my security answer doesn’t work?
- What does ‘read only’ access mean when maintenance is being carried out on the website?
- What is two-factor authentication?
- Updating your details
- How can I change my contact details held with you?
- How can I close my AJ Bell Youinvest account?
- How do I verify my bank account details?
- I have been asked to send further information to verify the source of the funds to set up my account – what documents should I send?
- I've been asked to send you documents - who can certify them?
- What is an LEI and when would I need to provide one?
- What is an NCI and how can I find out what mine is?
- Managing your investments
- Corporate actions
- A share in my ISA is subject to a corporate action – are there any additional implications?
- Can I get a company report?
- Can I get shareholder benefits for shares which are in my AJ Bell Youinvest account?
- Can I reinvest the cash received from a corporate action?
- Can I withdraw the cash received from a corporate action?
- Can you advise me on which election option I should take?
- Do you make a charge for administering my corporate actions?
- Does a corporate action prevent me from placing an order?
- How do I attend and/or vote at an AGM or EGM?
- How do I receive new shares arising from a corporate action?
- How do I respond to a corporate action?
- How do you let me know about a corporate action?
- If I owe money for a corporate action when will you take it out of my account?
- What happens if I am late or do not respond to a corporate action?
- What happens if I don’t have enough cash to pay for the action?
- What is a corporate action?
- What is a rights issue?
- What is a scheme of arrangement?
- What is an offer for subscription?
- What is an open offer?
- Will I receive share fractions after a corporate action?
- Will you send me a copy of the offer document for a corporate action?
- Dividend reinvestment
- Are special dividends eligible for reinvestment?
- Are there any circumstances when you won’t reinvest my dividend?
- Can I reinvest all my dividends using the dividend reinvestment service?
- Can I use the dividend reinvestment service if I have set up a regular withdrawal from my account?
- How can I tell which investments I have chosen to have dividends reinvested for?
- How do I use the dividend reinvestment service?
- How will I know when a dividend has been reinvested?
- Is there a deadline for choosing to reinvest dividends?
- Is there a minimum dividend payment for reinvestment?
- What are the charges for the dividend reinvestment service?
- What investments are included in the dividend reinvestment service?
- When will you reinvest my dividends using the dividend reinvestment service?
- Dividends
- Can I receive dividends as SCRIPs or DRIPs?
- Do you reclaim or reduce withholding tax on overseas dividends?
- How are my dividends paid?
- How do I receive dividend notifications?
- How will I know if I am entitled to a dividend?
- Is there a charge for converting dividends or corporate action proceeds to sterling?
- What currency will my dividends be paid in?
- When are dividends paid for international stocks?
- How do I withdraw money from my account?
- Mywealth
- Regular investments
- Your portfolio
- Can you send a contract note to a third party for me?
- How do live prices work in my portfolio?
- In my portfolio, what is the ‘Cost’ figure and how is it calculated?
- What prices are used to value my portfolio?
- When will I receive statements?
- When will my portfolio be updated following a deal?
- Where can I view my current orders that are pending?
- Where do I find my contract note?
- Corporate actions
- Mobile app
- Can I use the apps outside the UK?
- Do I need new log in details to use the apps?
- How do I set up Touch ID or Face ID on the AJ Bell Youinvest iOS app?
- How much do the apps cost?
- How secure are your mobile dealing apps?
- What are the prices quoted on the app?
- What are the terms and conditions of the apps?
- What mobile dealing apps do you offer?
- New to AJ Bell Youinvest
- Can an account be opened in the name of an investment club?
- Can you give me advice?
- Do I have to decide where to invest my money straight away?
- How can I open an AJ Bell Youinvest account?
- How much does an account cost me?
- Is it possible to open an account in joint names?
- What can I invest in with you?
- Which investments can I deal in?
- Our accounts
- SIPP
- Investment Pathways
- Can I invest some of my pension in an Investment Pathway and choose my own investments for the rest?
- Can anyone invest in an Investment Pathway fund?
- Do I have to hold my Investment Pathway fund for five years?
- How do I cancel my request to invest in an Investment Pathway fund if I’ve changed my mind?
- How do I invest in an Investment Pathway fund?
- How much will I pay in charges for an Investment Pathway fund?
- What Investment Pathways does AJ Bell offer?
- What if my retirement goals change and my Investment Pathway fund is no longer right for me?
- Managing a SIPP
- Can I contribute to my SIPP and other pensions?
- Can I hold cash in my SIPP?
- Can I invest in residential or commercial property through my SIPP?
- Can I make additional contributions to my SIPP after starting drawdown?
- Can I open a SIPP if I already have other types of pensions?
- Can I take my Pensions Advice Allowance from an AJ Bell Youinvest SIPP?
- Can I transfer an existing pension into a SIPP?
- Can I transfer an occupational pension into a SIPP?
- Can I transfer my SIPP to another pension provider?
- Can I withdraw cash from my SIPP at any time?
- Can my employer contribute to my SIPP?
- Do I have to contribute a minimum amount into my SIPP?
- Do I have to move all my funds into drawdown at the same time?
- Do you accept final salary pension transfers?
- How can I get help on my pension choices at retirement?
- How can I move my SIPP into income drawdown?
- How can I spot pension fraud?
- How do I change my Junior SIPP’s registered contact?
- How do I make personal contributions to my SIPP?
- How do I move from capped drawdown to flexi-access drawdown?
- How do I request an income payment from my SIPP?
- How do I start to access my SIPP?
- How is tax relief reclaimed on my SIPP contributions?
- How long will it take to transfer a SIPP from another provider to you?
- How much can I contribute to my SIPP?
- How much income can I take?
- How will my income be taxed?
- Is a SIPP a stakeholder pension?
- What are annuities?
- What can I invest in with an AJ Bell Youinvest SIPP?
- What charges will I pay for taking my pension?
- What does 'taking benefits' mean?
- What happens if I contribute more than the annual allowance into my SIPP?
- What happens to my SIPP if I die?
- What is a drawdown pension?
- What is an uncrystallised funds pension lump sum (UFPLS)?
- What is flexi-access drawdown (FAD)?
- What is pension carry forward?
- What is the "pension input" period?
- What is the lifetime allowance?
- When will I receive the tax reclaim on my SIPP?
- Where can I find my P60 online?
- Where can I find my pension payslip?
- Why can’t I place a deal in my Junior SIPP?
- Opening a SIPP
- Investment Pathways
- Stocks and shares ISA
- Managing an ISA
- Can I invest monthly in a Stocks and shares ISA?'
- Can I move cash from my Stocks and shares ISA to other accounts I have with you?
- Can I transfer existing investments held in either a cash or Stocks and shares ISA with another provider into my ISA?
- Can I use my additional ISA allowance with AJ Bell Youinvest?
- Do you offer a Flexible ISA?
- Do you offer a cash ISA?
- How do I place a Bed & ISA deal?
- How do I transfer my ISA to another ISA provider?
- How long will it take to transfer an ISA with another provider to AJ Bell Youinvest?
- I have money in my Dealing account; can I use this to fund a stocks and shares ISA?
- If I am a non UK resident, can I transfer in an existing ISA to you?
- If I invest in a stocks and shares ISA with you, can I also invest in other types of ISA?
- If I transfer in a Stocks and shares ISA will it count towards my annual ISA allowance?
- What are the charges for my stocks and shares ISA?
- What are the minimum and maximum amounts I can invest in an ISA?
- What happens to income from investments I hold in my Stocks and shares ISA?
- What happens to my ISA if I die?
- What is the 2021/22 ISA allowance?
- Opening an ISA
- Managing an ISA
- Dealing account
- Managing a Dealing account
- Can I deposit a share certificate into my AJ Bell Youinvest Dealing account?
- Can I move cash from my Dealing account to other accounts I have with you?
- Can I transfer shares I hold with another provider into a Dealing account?
- Can I transfer shares held in someone else's name into my Dealing account?
- How can I gift shares to a family member?
- How do I transfer my Dealing account to another provider?
- How long will it take to transfer a Dealing account with another provider to AJ Bell Youinvest?
- Will you send me a tax summary?
- Opening a Dealing account
- Can I open a Dealing account for a child?
- Can I open a Dealing account in joint names?
- Can I open a Dealing account in the name of a trust, business or pension scheme?
- If I am a non-UK resident, can I open a Dealing account?
- Is it possible to open a Dealing account for a designated purpose?
- Is there a minimum investment I have to make into a Dealing account?
- Is there an annual management fee to hold a Dealing account?
- Managing a Dealing account
- Junior ISA
- Managing a Junior ISA
- Are there any restrictions on what I can invest in a Junior ISA?
- Can I cancel a Junior ISA?
- Can I make withdrawals from a Junior ISA?
- Can I transfer a Child Trust Fund (CTF) into the AJ Bell Youinvest Junior ISA?
- Can I transfer part of my CTF?
- How do I change my Junior ISA’s registered contact?
- How much can be paid into a Junior ISA?
- Is it possible to save regularly in a Junior ISA?
- Is it possible to transfer an existing Junior ISA to you?
- What happens when the child reaches 18?
- What is a URN and how can I find it?
- Who can pay into my child's Junior ISA?
- Opening a Junior ISA
- Managing a Junior ISA
- Lifetime ISA
- Managing a Lifetime ISA
- Can I hold cash in my Lifetime ISA?
- Can I invest in a Lifetime ISA every month?
- Can I move cash to my Lifetime ISA from my AJ Bell Youinvest Stocks and shares ISA or Dealing account?
- Can I transfer a Help to Buy ISA into a Lifetime ISA?
- Can I transfer a Lifetime ISA with another provider to AJ Bell Youinvest?
- Can I transfer from a Cash ISA to a Lifetime ISA?
- Can I transfer part of my Help to Buy ISA?
- Can I use a Lifetime ISA to buy a buy-to-let property?
- Can I use both a Help to Buy ISA and a Lifetime ISA to buy my first home?
- Can I use my Lifetime ISA both for buying my first home and for retirement?
- Can I use my Lifetime ISA if I am buying my first home with someone else?
- How can I withdraw cash from my Lifetime ISA if I’m terminally ill?
- How do I use my Lifetime ISA to buy my first home?
- How is the Lifetime ISA government bonus paid?
- How long can I make payments into my Lifetime ISA for?
- How long will it take to transfer a Help to Buy ISA with another provider to an AJ Bell Youinvest Lifetime ISA?
- How much can I pay into my Lifetime ISA?
- How soon after receiving the cash from my Lifetime ISA do I need to buy my first home?
- I have subscribed more than £4,000 into ISAs this tax year. Can I move some of this across to the Lifetime ISA?
- What happens to my Lifetime ISA if I die?
- When can I withdraw money from my Lifetime ISA?
- When is the Lifetime ISA government bonus paid?
- Who qualifies as a first-time buyer?
- Opening a Lifetime ISA
- Managing a Lifetime ISA
- Cash savings hub
- Opening a Cash savings hub
- Can I apply for a joint Cash savings hub or a Cash savings hub for a child?
- Can I open a Cash savings hub without choosing a savings account?
- Can I open a savings account in an ISA, SIPP or Dealing account?
- Do you offer easy access savings accounts?
- How does the Cash savings hub work?
- How long does it take for payments to clear into/from my transit account?
- Is there a limit to the number of savings accounts I can have within my Cash savings hub?
- What if I change my mind about a savings account?
- What is the minimum amount I need to deposit to open a Cash savings hub?
- What is the transit account?
- What type of savings accounts can I access through the Cash savings hub?
- Who is eligible to open a Cash savings hub?
- Why do I need to pay £1 into my Cash savings hub before I can fund it from my Dealing account?
- Will I have online access to my savings accounts?
- Types of accounts
- Can I close a fixed rate savings account before the end of the term?
- How do I close a notice account?
- What is a fixed rate savings account, deposit or bond?
- What is a notice account?
- What types of fixed rate savings accounts are available?
- What types of notice accounts are available in the Cash savings hub?
- When can I close a notice account in my Cash savings hub?
- Managing your savings
- Can I change the amount I want to deposit into a savings account?
- Can I withdraw from a fixed term deposit before the end date?
- Can I withdraw savings from a notice account?
- How do I cancel a savings account application?
- How do I close my Cash savings hub?
- How do I find out my transit account sort code and account number?
- How do I open a new savings account?
- How do I pay money into my transit account?
- How do I withdraw my savings from the Cash savings hub?
- How long do I have to fund a savings account?
- How secure is the Cash savings hub?
- What happens after I open a savings account?
- What happens when my fixed term savings account ends?
- Where can I browse the available savings accounts?
- Will the interest or profit rate on my notice account ever change?
- Interest payments, charges and tax
- Can interest be rolled up within a savings account?
- Do I pay any fees or charges for using the Cash savings hub?
- How is the interest or profit I receive in my Cash savings hub taxed?
- What tax information will be provided in the Cash savings hub?
- When will I receive any interest from my Cash savings hub?
- FSCS
- Sharia accounts
- Opening a Cash savings hub
- SIPP
- Paying in and withdrawals
- Can I hold foreign currency in my account?
- Can I set up a regular withdrawal facility for my Stocks and shares ISA or Dealing account?
- How can I pay money into my account?
- How do I cancel a Direct Debit?
- How do I set up a monthly Direct Debit into my account?
- How long does it take to withdraw funds from my Stocks and shares ISA or Dealing account?
- I’ve paid money in but it isn’t showing as available cash?
- When are regular payments made?
- Why can’t I withdraw my 'available cash'?
- Transfers
- Can I transfer from a Stocks and shares ISA into a Lifetime ISA?
- How do I transfer to AJ Bell Youinvest?
- How will I know when my transfer is complete?
- I'm linked to another account. Can I check the status of a transfer to it?
- My Child Trust Fund (CTF) is maturing – what are my options?
- What’s the difference between a settled and an unsettled investment?
- What’s the status of my transfer?
- Why aren't all my investments showing on the transfer tracking page?
- Why can’t I track my transfer online?
- How to videos
What is a URN and how can I find it?
The URN is the unique reference number of your child’s Child Trust Fund. It’s nine characters long, and you’ll usually find it on statements from your CTF provider.
You need to give us the URN to transfer your CTF to a Junior ISA. If you can’t find it, you may need to request it from your CTF provider.
Find out more about transferring a Child Trust Fund to a Junior ISA.
Find out more about transferring a matured Child Trust Fund to an ISA.