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Click & Invest Stocks & Shares ISA

from Investec Click & Invest

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Managed Portfolios
  • Invest From: £2,500

Why we like it: In a nutshell this service helps make your ISA money work harder! Investec Click & Investis an online investment service that aims to make actively managed, globally diversified investment portfolios accessible to a wider audience. Everyone deserves harder working money, and Click & Invest’s goal is to make a positive difference to more financial futures. Their experts build and manage investment portfolios from £2,500 online, intelligently blending expertise with high-quality service. With a £2,500 minimum investment, Click & Invest aims to deliver an exceptional service for a straightforward fee. They offer both stocks and shares ISAs and general investment accounts, with a seamless online experience, with dedicated 24/7 support available. Capital at risk.More info...

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10.25% annual growth.

  • 10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Bank of Ireland ISA

The Bank of Ireland Is a commercial bank headquartered in Ireland that can trace its roots back to 1783. There is not currently a Bank of Ireland ISA available however; Post Office Money ISAs are deposited with Bank of Ireland UK.

Finding an ISA

Whether you are looking to open a new ISA or transfer an existing one, it is a good idea to shop around different providers and products to try and find the ISA that fits your needs best. You can use the tables on this website to view a selection of ISAs from various providers and follow the links to find out more or apply.

Types of ISA

Remember that UK residents aren’t limited to just one type of ISA, it is now possible to open up to one of each kind of ISA in each tax year, so it’s possible to have a: Cash ISA, Investment ISA and Innovative Finance ISA at the same time. If you do open multiple different ISA accounts it’s important that you break up your overall allowance between them so you do not exceed it, but you can do so at a ratio of your choice.

Cash ISAs: Work similarly to regular savings accounts offered by banks and building however, the interest a cash ISA earns is paid tax-free. Money deposited into the account will accumulate interest at either a fixed or variable rate, depending on which specific product you choose. There are both instant access products which allow savers to make withdrawals without any penalty as well as fixed term products which generally require the account holder to lock their cash into the account for a predefined period of time.

Investment ISAs: Provide a tax-efficient wrapper for your money, which you can then use to invest in various ‘qualifying investments’. With an investment ISA you do not pay any Capital Gains Tax made from gains on your investments. Dividend income is charged 10% Income Tax at source however there is no further income tax to be paid on this.

Innovative Finance ISAs: Are a kind of ISA that allows the account holder to invest in Peer to Peer lending.

ISA Transfers

ISA providers have to let you transfer your ISA to either another provider or to another ISA account if you desire. However, while providers are required to let you transfer out they can impose an interest penalty for doing so, also providers are not required to permit transfers-in from another ISA. 

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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Jen

I found the way the different options are presented very clear - much more useful than some other comparison sites. I sent it to my daughter as well.