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Compare Halifax ISAs

Compare ISAs from Halifax and other ISA options available.

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

ISA Saver Variable

from Halifax

Interest Rate (AER) 0.05%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

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 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 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 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 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 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 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 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 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

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

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

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.
See Deal When you make your first payment into a Junior ISA or Sustainable Junior ISA, Shepherds will send you a Love2shop voucher code worth up to £50.

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.

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.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

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.

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.

Junior Stocks & Shares ISA

from Nutmeg

  • Investment Options: Invest in one of four expertly designed portfolios depending on your investment style. Capital at risk.

Who are Halifax?

Halifax were originally founded in Yorkshire in 1853 as a building society. By 1997 they were a FTSE 100 company, and today operate as a trading division of Bank of Scotland since being taken over in 2009.

Halifax offer a wide range of banking services to retail customers, including bank accounts, savings and investment accounts (including ISAs), credit cards, loans, home insurance products, and mortgages.

They offer several different ISA accounts, including Cash ISAs and Stocks and Shares ISAs, and we will explain the pros and cons of each type available.

What is an ISA account?

An ISA account is a savings or investment account that is completely immune from UK taxes.

You can contribute up to £20,000 to ISAs in the current tax year, and your annual allowance refreshes each year.

What are the tax benefits of an ISA?

In a regular savings account, you could be required to pay income tax on the interest your savings generate.

In a regular investment account, you could be required to pay income tax on the dividends that your investments produce and capital gains tax on the growth of your holdings.

In a Cash ISA or Stocks and Shares ISA, your savings and investments are completely sheltered from these forms of tax.

What’s the difference between a Cash ISA and a Stocks and Shares ISA?

The main difference between Cash ISAs and Stocks and Shares ISAs is what they invest in.

They have the same ISA rules regarding contribution limits, tax benefits and transfer rules, but their risks and returns can vary greatly.

Cash ISA features:

  • Your investment cannot go down in value
  • Fixed-term Cash ISAs provide guaranteed rates of interest
  • The longer your fixed term, the higher interest rates you get
  • Withdrawing before the end of a fixed-term incurs charges or voids your interest
  • Easy-access or instant-access Cash ISAs provide lower, variable rates of interest
  • Withdrawing from a variable rate Cash ISA usually incurs no charges
  • Interest rates are currently low in the UK, meaning the potential returns are very limited

Stocks and Shares ISA features:

  • Stocks and Shares ISAs allow you to invest directly in the stock market
  • You can pick your own funds and shares to invest in
  • Or, you can invest in a managed portfolio put together by investment professionals (often referred to as an Investment ISA)
  • The potential for high returns is much greater, but the value of your holdings can go down as well as up
  • You pay an ongoing charge to your ISA provider and any fund managers controlling your investments
  • You may also pay dealing charges for purchasing your investments
  • You can usually withdraw at any time, but you will need to sell your holdings first

What type of ISA do Halifax offer?

Halifax offer both Cash ISA and Stocks and Shares ISA products.

Their Stocks and Shares ISAs come in two forms: an Investment ISA and a Share Dealing ISA.

Halifax Share Dealing ISA:

  1. Build your own ISA portfolio of shares and funds
  2. £9.50 per trade
  3. £36 provider annual management charge
  4. Wide range of funds, shares and ETFs available to choose from

Halifax Investment ISA:

  1. Choose from one of Halifax’s ready-made funds to invest in
  2. Options vary based on the funds’ risk levels
  3. Benefit from a diversified investment and professional fund management
  4. Higher charges: an annual service fee of 0.24%
  5. Ongoing fund charge applies on top of this

The best Halifax ISA for you depends on how much control you want over your investments. If you are an experienced investor and want to pick your own shares, the Share Dealing ISA might be suitable for you.

However, if you’re a beginner and prefer to leave day to day investment decisions to professionals, Halifax's Investment ISA might be more appropriate.

Halifax also offer two types of Cash ISA - fixed and variable rate accounts:

  • The fixed-rate ISA locks your money away for a number of years and you are charged for withdrawing
  • The variable-rate ISA gives you the flexibility of withdrawals, but your interest rates are much lower

How do I open a Halifax ISA?

You can open a Halifax ISA account online, and you’ll need to make a contribution to start your account.

There are three ways you can start investing:

  1. With a lump sum via a debit card payment
  2. With a regular contribution via direct debit
  3. By transferring your existing ISAs to a Halifax ISA

How do I transfer my existing ISA into a Halifax ISA?

You can transfer any existing ISAs you hold, either Cash ISAs or Stocks and Shares ISAs, into a Halifax ISA by following these steps:

  1. Complete Halifax’s ISA transfer form
  2. Send your signed form to Halifax
  3. Halifax will carry out your transfer for you and notify you when complete

Using this transfer method ensures your ISA transfer does not count as a contribution towards your annual ISA allowance. This means you can transfer as many ISAs as you want in the same tax year.

Remember - if you withdraw the funds from your existing ISA and then add them to a Halifax ISA, your money will lose its ISA status. This results in your new contribution being deducted from your ISA allowance, so make sure you complete an ISA transfer form as detailed above instead.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - 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.

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.

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.

Yes, you can transfer your Cash ISA into a Stocks and Shares ISA by completing a paper form with your new provider.

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.

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.

Your ISA is treated in the same way as any other investment asset and will be subject to Inheritance Tax if your estate is liable.

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.

Whether you receive dividends from your Stocks and Shares ISA will depend on the underlying investments you hold inside it. If your investments generate dividends, then you can opt to withdraw these automatically to your bank account tax-free if you wish.

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.