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M&S ISA

Compare a selection of ISAs from different providers.

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 Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio.
  • 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

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 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 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

Share Dealing ISA

from IG

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

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.
  • Invest From: £25 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

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 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

M&S ISA

Whether you are trying to find the right Cash ISA, Stocks & Shares ISA or are interested in both shopping around to find the right product for your specific needs is a good idea, while Marks and Spencer’s Bank is not currently accepting new applications to invest in the HSBC World Selection Portfolio, they do still have Cash ISA products available for new customers. In addition to seeing what an M&S ISA could offer you, you could also check the comparison table to see a selection of ISA products from different providers:

  1. M&S Cash ISA – allows you to split your existing and new ISA subscriptions between fixed and variable rates. With the Fixed Rate Savings option the M&S Cash ISA can offer you a fixed rate of interest for 1,2 or 3 year terms. With the M&S Advantage Cash product you earn a variable rate of interest but have the option of making deposits and withdrawals whenever you want without a penalty.

About ISAs

There are two distinct categories of ISA available; Cash ISAs and Stocks & Shares ISAs, you can open up to one of each kind of ISA each tax year however if you do open both then you will have to break up your annual ISA allowance between the two accounts.

  1. Cash ISAs – Are essentially savings accounts providers may offer different types of Cash ISA such as; Fixed Rate, Easy Access and Instant Access plans. The key difference compared to a standard savings account however is that up to your maximum annual limit all interest paid to these accounts is tax-free.
  1. Stocks & Shares ISAs – Are not investments in themselves, they rather provide a tax-efficient investment account that allows you to invest into various products like stocks and shares as well as; gilts, bonds and funds. This type of ISA is described ‘tax efficient’ as while up to your maximum allowance you do not have to pay Capital Gains Tax or Income Tax up to your maximum allowance on investments within the account, you do still however have to pay tax on dividends. Within Stocks & Shares ISAs there are ‘Self-select’ products that allow you to directly invest in your choice of shares and stocks, as well as plans that offer you a choice of managed funds dependent on your own attitude to risk. It is important to remember that with Stocks & Shares ISAs that you can get back less than you originally invested, if the value of your investments goes down.

Transferring an ISA

It is possible to transfer your ISAs from one provider to another or from one ISA to another ISA with the same provider; however they can impose a penalty for doing so. 

This means that while it is a good idea to shop around and see if you can find a better deal, before you make a switch you should check if you’d actually be better off staying put once you have factored in the interest penalty you would incur for moving. 

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

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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.

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

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Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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