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Compare Bank of Ireland ISAs

Compare ISAs from Bank of Ireland and other ISA options available.

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

What you're looking for isn't available; however, these brands may offer suitable alternatives

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

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. Special offer: Open an ISA with £1,000 or more before Sunday and be in with a chance to win £100 of free trades. New customers only. Terms apply. Capital at risk.
  • Invest From: £25 pm
See Deal Special offer: Transfer an ISA worth £10,000 or more before 30 June and get £100 cashback. New customers only. Terms apply. Capital at risk.

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

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

Stocks & Shares ISAs

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

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100
See Deal Zero Platform Fees - Until the end of the 2022/23 tax year if you open your ISA by 30 April 2022. 0.25% max when promo ends.

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

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

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 Up to £400 for all new users that create an account until the end of April

Stocks & Shares ISA

from InvestEngine

Allows ISA Transfers
Regular Savings
  • Fund Choice: Offering commission-free DIY investing or low-cost, professionally managed income or growth portfolios built for you
  • Invest From: £100

My Choice ISA

from Scottish Friendly

Allows ISA Transfers
Regular Savings
  • Fund Choice: A choice of 10 funds so you can pick those that best suit your needs, whether that is just one, a mixture of all 10 or somewhere in between.
  • Invest From: £10pm

Stocks & Shares ISA

from Beanstalk

Allows ISA Transfers
  • Fund Choice: Choose from two funds: a cash fund that aims to provide returns in line with money market rates and a shares fund that aims to track the performance of global stock markets.
  • Invest From: £10

Stocks & Shares ISA

from Willis Owen

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from a wide range of funds, shares, investment trusts and ETFs. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
  • Invest From: £25

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

Please be aware we are not currently able to offer any ISAs from Bank of Ireland.

Who are Bank of Ireland?

Bank of Ireland are one of the biggest Irish Banks and their history can be traced all the way back to 1783.

With an extensive history in providing banking services to retail and business customers, today they provide a range of savings and investment accounts, but do not currently offer an ISA account.

What is an ISA?

An ISA account is a type of savings account that is completely free from all forms of tax.

HMRC allows investors to save up to £20,000 per year tax-efficiently in ISAs, and your annual allowances refreshes each year so you can keep topping up.

The two main taxes that ISAs are immune from are:

Income tax

You usually pay income tax on the interest generated on your cash savings, and dividends earned through your stock investments.

Capital Gains Tax

Capital gains tax is usually paid on the profits of your investments when you come to sell them. If they’ve increased in value from when you originally purchased them, then you’ll be liable to pay tax on the difference.

But if you wrap your savings and investments in an ISA, you never have to worry about paying tax on your income or profits, even when you make withdrawals.

What are the different types of ISA?

There are two main types of ISA accounts available to investors: Stocks and Shares ISAs and Cash ISAs.

The main difference between the two is what they invest in.

Cash ISAs always keep your savings as cash, and you earn interest on your balance.

Stocks and Shares ISAs allow you to invest in a wide range of stocks and shares. The potential for returns is higher, but your investments can go down as well as up in value.

Cash ISA Features:

  1. A Cash ISA is a tax-efficient savings account that offers fixed or variable interest rates on your cash balance.
  2. They cannot go down in value as they don’t invest in stocks, so you always get back at least what you put in.
  3. You can invest for a fixed term for better rates, or invest in an instant-access ISA that gives you the flexibility to withdraw.

Stocks and Shares ISA Features:

  1. Stocks and Shares ISAs allow you to invest in shares, funds, investment trusts, ETFs, ready-made portfolios and many more investments.
  2. You benefit from the growth of your investments as well as the dividends they pay out.
  3. However, they also come at a higher risk as your investment can both fall and rise in value.
  4. You are usually permitted to withdraw at any time.

Do ISA accounts cost money?

Cash ISA Charges

  • Cash ISAs do not usually charge any initial or ongoing fees.
  • However, if you have a fixed interest rate Cash ISA you could be charged for withdrawing or transferring before the end of your fixed term, or you will at least have a portion of your interest deducted.

Stocks and Shares ISA Charges

  • Stocks and Shares ISA providers take an annual management charge from your portfolio as either a regular fixed fee, or as a percentage of your ISA’s total value.
  • Stocks and Shares ISA providers also charge dealing fees for buying and selling certain stocks, and can also charge other fees for actions like closing your account or transferring out to another ISA.

How do I open an ISA?

You can open most Cash ISAs online, and this is the easiest method to open an ISA account.

You’ll just need some basic personal information, your NI number and some other details to create your account, and you can start investing by making a debit card contribution.

Alternatively, you can also contribute regularly with a direct debit each month, or invest via cheque.

Who can open an ISA?

To open an ISA account, you must be:

  • Age 16 or over for a Cash ISA account
  • Age 18 or over for a Stocks and Shares ISA account
  • A resident in the UK

Can I transfer from one ISA to another?

Yes, you can. A popular way of opening a new ISA is to transfer your existing old ISAs into a new account.

This is because you can transfer ISAs without it affecting your £20,000 ISA allowance.

For example, you could transfer an ISA worth £50,000 to a new provider and still add £20,000 of new money to that same ISA in the same tax year.

However, it’s not as simple as just withdrawing your existing ISA and then adding the money to your new one – if you do this, your money will lose its ISA status.

Instead, you need to make sure you complete an ISA transfer form with your new provider, and they will then carry out the transfer for you.

Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

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

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.

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. 

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.

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2022/23 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.

Important Risk Information:

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.