Losing interest in your savings?

Get investing in our low-cost Stocks and shares ISA

Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and ISA and tax rules can change.

Stocks and shares ISA

ISAs or Individual savings accounts are an ideal way for most people to invest as they offer generous tax benefits and allow you to access your money when you want. Whatever you are saving for, when you invest in an ISA you pay no further tax on any income earned or any gains when you sell your investments.

Learn more about the different types of ISAs, including how they work and their key benefits.

You get an ISA allowance each year which runs out on the 5 April - for the 2022/23 tax year your allowance is £20,000. You can invest this as one lump sum or smaller amounts but must remember that once the tax year is over if you have not used all your allowance you will lose it.

Over the years, a Stocks and shares ISA lets you grow a pot of investments safe from the taxman. And as your money isn’t locked away, you can access it just in case there’s a rainy day.

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  • The benefits of our Stocks and shares ISA

  • Low-cost - deal from £1.50 and never pay more than £9.95 per online deal.

  • Control - choose your own investments – you make your own decisions and don’t pay someone else to do so.

  • Wide investment range - invest in a wide range of investments including stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and exchange traded funds.

  • Easy to use - view your account online 24/7 and deal on the go with our mobile app.

  • Regular savings - invest from £25 per month using our regular investment service and pay £1.50 per deal.

  • Great service – we are here to help and answer your queries with two UK-based customer services teams, webchat and email support.

  • Investment content – we help you manage your investments by providing a wealth of investment tools, videos, research and for customers with more than £4,000 in their account free access to Shares magazine.

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A guide to ISAs

Everything you need to know about investing in an ISA

Our ISA isn't flexible, so money you withdraw then pay back in during the same tax year will count towards your ISA allowance. Before opening an ISA, please read our ISA key features, risks and terms and conditions to make sure it’s the right account for you. We don’t offer investment advice, so you’ll need be confident you can manage your ISA yourself. Transferring an ISA to us from elsewhere? We’ll pay up to £500 to cover your exit charges.

Need help choosing your investments?

Then take a look at our investment ideas: easy, expert solutions to the question of where to put your wealth. Whether you’re after some fund suggestions, or want our investment specialists to do the hard work for you, we can help.

Or if you want to choose your investments yourself, there's a huge range available – including shares, funds, exchange traded funds and investments trusts. Find out more by visiting our investment options page.

Do you offer other types of ISAs?

We offer a Lifetime ISA which is aimed at investors who are aged 18 to 39 and looking to save for a first property or for retirement from the age of 60.

If you are looking to save for your child then our Junior ISA could be the ideal account. You can open a Junior ISA online and invest in a wide range of funds and shares. If you already have an AJ Bell account, you can link your family accounts together through our platform for easy management. We do not offer cash ISAs.

Can I transfer a matured Child Trust Fund to a Stocks and shares ISA?

Yes – if you have a matured Child Trust Fund, you can choose to transfer it to a Stocks and shares ISA. Doing this means your money will stay tax-free, and the transfer won't use up any of your remaining ISA allowance. Learn more about transferring a maturing Child Trust Fund.

Choosing the right account

If you are saving for retirement then you may want to consider a Self-invested personal pension (SIPP) or a Lifetime ISA (if you are aged between 18 to 39). You can compare all the accounts we offer including Dealing accounts on our account comparison page which will help you pick the right account for your investment needs.

The current ISA allowance is £20,000 and you can choose to use your total allowance in a Stocks and shares ISA or you can choose to split the allowance with other types of ISAs. However you must not go over your annual limit in total or pay into more than one ISA of the same type in any one tax year.

Thinking of opening an account? Watch our welcome video to see how it works

Invest up to £20,000 into a self-managed AJ Bell Youinvest Stocks and shares ISA today

Open an ISA

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We make investing easier

For nearly twenty years, AJ Bell Youinvest has helped people invest in the life they want to live. We’re part of AJ Bell, one of the largest investment platforms in the UK, with £68.7 billion in assets under administration.

Our awards

We're a Which? Recommended Provider four years running – in 2019, 2020, 2021 and 2022. In 2022, we were also proud to have won 'Self Select ISA Provider of the Year' at the ADVFN International Financial Awards 2022.

View all our awards