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Compare Aviva ISAs

Compare ISAs from Aviva and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

Listed Equity Income

from AVIVA Investors

Allows ISA Transfers
Regular Savings
  • Fund Choice: Aims to provide a dividend yield above the FTSE All-Share Index. Invests in UK equities judged to offer high yield, above average prospects of dividend growth and long-term capital growth. Income paid twice yearly. Capital at risk.
  • Invest From: £25 pm
See Deal

Stocks & Shares ISA

from Nutmeg

ISA Option
Allows ISA Transfers
  • Fund Choice: Nutmeg offer 5 diversified portfolios with ETFs, using technology to keep charges low. Capital at risk. Approved by Nutmeg 24/02/2023
  • Invest From: Min. £500 single
See Deal

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm
See Deal Open an ISA before 31 December and get £100 cashback. New customers only, invest £5k or more. Terms & fees apply. Capital at risk.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you
  • Invest From: £1
See Deal

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm
See Deal

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £1.50. Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
  • Invest From: £25 pm
See Deal

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum
See Deal

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum
See Deal

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount
See Deal

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500
See Deal

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00
See Deal Choose from over 13,000+ global stocks & ETFs. Invest in UK shares from as little as £3 per trade. IG offer a "Smart Portfolio ISA" where you can get an expertly built portfolio that is right for your risk profile. Capital at risk.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.
See Deal

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.
See Deal

Socially Responsible Junior Stocks & Shares ISA

from Nutmeg

  • Invest From: £100
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk. Approved by Nutmeg 24/02/2023
See Deal

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.
See Deal

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA. Capital at risk.
See Deal

Junior Stocks & Shares ISA

from Nutmeg

  • Invest From: £100
  • Investment Options: Choose your investment style and preferred risk level. Capital at risk. Approved by Nutmeg 24/02/2023
See Deal

Junior Stocks & Shares ISA

from Wealthify

Regular Savings
  • Invest From: £1
  • Investment Options: Choose from one of five investment styles based on risk, and a team of experts build your child’s Junior ISA, choosing which investments to buy and managing them on your behalf
See Deal

Junior Stocks & Shares ISA

from Scottish Friendly

Regular Savings
  • Invest From: £10 pm
  • Investment Options: A selection of 9 funds so you can tailor your child's investment. Capital at risk.
See Deal When you take out a My Select (Junior ISA) Scottish Friendly will pay £50 into the Junior ISA for your child.

Junior Stocks & Shares ISA

from Best Invest

Regular Savings
  • Invest From: No Minimum
  • Investment Options: Choose your own investments, invest with help from an adviser or let the experts take care of it all for you. Capital at risk.
See Deal

Who are Aviva?

Aviva are best known as a large insurance company headquartered in the UK, but they also provide a range of financial products to personal investors via their investment platform.

Aviva’s history can be traced way back to 1696 to a small life and fire insurance company, but they now operate as a multi-national organisation listed on the FTSE 100.

One of the personal investment products they offer are Stocks and Shares ISA accounts. These are provided and managed via their online platform and Aviva app.

What is an ISA account?

An ISA account is a tax-efficient savings account that shelters your investments from:

  1. Income tax on investment interest
  2. Income tax on dividends
  3. Capital Gains Tax

There are two main types of ISA accounts:

  • Stocks and Shares ISAs
  • Cash ISAs

What type of ISA account is an Aviva ISA?

Currently, Aviva only provide a Stocks and Shares ISA and do not offer a Cash ISA.

Cash ISAs provide fixed or variable interest rates and the guarantee that your investment cannot fall in value.

However, interest rates are extremely low in the UK currently, and they have been since the financial crash in 2008, leading many people to invest in Stocks and Shares ISAs instead.

Stocks and Shares ISAs allow you to invest directly in the stock market while still getting the tax benefits of an ISA wrapper.

What does an Aviva Stocks and Shares ISA invest in?

Aviva Stocks and Shares ISAs give you the ability to invest in the stock market via a wide range of funds. They provide two main investment portfolio types:

1. Ready-made portfolios

2. Self-select portfolios

Aviva’s ready-made ISAs are put together by their investment professionals. You choose a portfolio based on your attitude to investment risk and your investment goals - e.g., investment growth or income.

One benefit is that you have peace of mind knowing that your underlying ISA investments are being managed by an investment expert.

Aviva’s self-select ISA, on the other hand, allows you to build your own portfolio by choosing from a wide range of investment funds.

You can filter the available funds by sector or company, and if you’re unsure which funds to choose you can look at Aviva’s own shortlist.

These are funds that Aviva’s experts have deemed as the best in their sector or market. Aviva also provide research and analysis to help you make your decision, without taking an extra cut of your investment for themselves like they do with their ready-made portfolios.

With both self-select and ready-made portfolio ISAs your investment can lose as well as gain money. Stock markets can fluctuate in price both upwards and downwards, so you should be aware of the risks before you invest.

What are the charges for an Aviva Stocks and Shares ISA?

There are two main charges to be aware of with Aviva’s Stocks and Shares ISAs:

1. Aviva’s platform charge

Aviva’s platform charge is applied to your entire ISA account, and it is a tiered percentage of your overall portfolio.

  • 0.40% on your first £50,000
  • 0.35% on the next £200,000
  • 0.25% on the next £250,000
  • 0% for anything above £500,000

This means that no matter how much you invest over £500,000, you are capped at £1,525 each year for Aviva’s charge as this is the total of the above tiers.

2. The Ongoing Fund Charge (OCF) on your underlying funds

The funds you invest in also take an annual management charge from your investment for the administration and management of the fund.

This is usually taken directly out of the fund’s performance, so you won’t necessarily see this charge being subtracted from your portfolio.

Passive funds are managed less aggressively than managed funds and mainly just track an index or sector. For this reason, they are the cheapest funds to own in terms of the Ongoing Fund Charges.

On the other hand, managed funds typically have higher charges due to the expertise and management from the fund managers, but they do aim to outperform the sector they invest in.

The details of a fund’s ongoing charges are laid out in the Key Investor Information Documents which you can download through the website before investing.

Can I withdraw from an Aviva ISA?

Aviva’s Stocks and Shares ISA allows you to withdraw at any time.

Unlike with a Cash ISA, you aren’t committed to a fixed term in order to get a guaranteed interest rate, and you can sell your investments and withdraw the proceeds as and when you please.

You may need to wait about a week for your holdings to sell before your withdrawal is processed.

You can instruct withdrawals easily on the app or via the online platform login.

How do I open an Aviva ISA?

The easiest way to open an Aviva ISA account is online via the website.

You can set up an account with a password by just providing some basic information including your National Insurance Number.

Once you have set up your account, you can start investing with a regular payment of at least £50 a month, or a lump sum payment of at least £500. 

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk

Frequently Asked Questions

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2023/24 tax year.

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

For Cash or Stocks and Shares ISAs, yes, although some Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended.

Most providers will allow you to withdraw from your ISA online, via a mobile app, telephone, or by written instruction in the post.

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

Yes. Most providers allow you to have dividends automatically paid out to your bank account upon receipt. You can also have them reinvested automatically, too.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

No, ISA stands for Individual Savings Account and must be solely owned for tax purposes.

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

Important Risk Information:

Capital at risk. Tax treatments depend on your individual circumstances and may change. The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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