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Compare NFU ISAs

Compare ISAs from NFU 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

Who are NFU Mutual?

NFU Mutual are an insurance and financial services company operating in the UK.

The company’s full name is The National Farmers Union Mutual Insurance Society Limited, and it was formed by seven farmers back in 1910.

Whereas banks are owned by their shareholders, NFU are owned by their policyholders as they are a Mutual society.

Some of the products they offer to their customers include:

  1. Home and Motor Insurance
  2. Farming and Agricultural Insurance
  3. Business Insurance
  4. Financial Advice
  5. Pensions, Savings and Investment Accounts (including Stocks and Shares ISAs)

What is an ISA account?

An ISA is a type of investment account that shelters your savings and investments from UK tax.

HMRC allows UK individuals to invest up to £20,000 into ISAs in the current tax year, and your ISA allowance refreshes each year so you can keep topping up.

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

What is a Cash ISA?

Cash ISAs generate interest on your cash savings like normal savings accounts do, but all the interest you earn is 100% tax-free.

There are two main categories of Cash ISAs: fixed-rate and variable-rate.

Fixed-rate Cash ISAs:

  1. You are locked into a fixed term of 1 to 5 years
  2. Your interest rate is guaranteed for the duration of this term
  3. You could lose your interest or be charged if you withdraw money before the end of your term
  4. Interest rates are generally higher the longer the term you commit to

Variable-rate Cash ISAs:

  1. You are not locked into a fixed term
  2. You can usually withdraw as and when you please with no charge
  3. You usually get lower rates of interest than fixed rates, and your interest can fluctuate

Since the financial crash in the late 2000s, interest rates in the UK have been sitting at record lows, so the potential for growth and returns through Cash ISAs is very limited compared to Stocks and Shares ISAs.

However, with a Cash ISA, you are guaranteed to get back at least what you originally invest, provided that you don’t make withdrawals before the end of a fixed-term you’ve committed to.

What is a Stocks and Shares ISA?

Stocks and Shares ISAs are tax-free investment accounts, through which you can invest directly in the stock market.

You can invest in shares, funds, ETFs, investment trust, and many other investment vehicles that you can pick for yourself.

Alternatively, you can invest in a ready-made ISA portfolio managed and controlled by investment professionals who make the daily investment decisions for you.

The potential for greater returns is much higher in a Stocks and Shares ISA compared to a Cash ISA. However, your investments can both fall as well as rise in value and you may get back less than you originally invest.

You should be aware of the risks involved before investing.

What type of ISA account is an NFU ISA?

NFU Mutual provide investors with Stocks and Shares ISA accounts but don’t offer a Cash ISA.

They manage a range of investment funds themselves, and their ISA accounts allow you to pick which funds to invest in yourself.

In an NFU Mutual Stocks and Shares ISA, the dividends you receive from your investments are completely free of UK income tax.

Also, the growth of your investments over time will not be subject to Capital Gains Tax when you come to sell them, so you never need to worry about paying tax on your profits.

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

NFU Mutual apply a range of charges to your Stocks and Shares ISA that can change over time based on servicing costs, fund management costs and industry regulation.

Here are the two main types of charges you can expect to pay for an NFU ISA:

  • Ongoing Fund Charges (the fund manager’s charges for the fund or funds you invest in)
  • Investment Service Charge (this is an ongoing charge taken by NFU for administrating your ISA account)

Can I withdraw from an NFU ISA?

You can withdraw at any time from an NFU ISA. However, to keep your account open you must leave a balance of at least £1,000 in your ISA account.

You can also set up regular withdrawals from your ISA should you wish to take a regular income from your ISA savings.

How do I open an NFU ISA?

To open an NFU ISA, you’ll need to speak to NFU’s non-advised telephone service team who will help you set up your account.

They cannot advise you on what ISA product to take out or which funds to pick, so you’ll need to make these investment decisions yourself.

Once your account us established you can start contributing up to £20,000 in the current tax year. You can do this either with a lump sum payment or by setting up a regular direct debit contribution.

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.

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 from your Cash ISA to a Stocks and Shares ISA at any time. However, do check you won’t lose out by transferring, as some Fixed Rate Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended

You can withdraw money from a Stocks and Shares ISA at any time provided that you sell the underlying investments first.

You can withdraw from a variable-rate Cash ISA at any time.

Withdrawing from a fixed-rate Cash ISA may incur charges if you do so before the end of the specified fixed term.

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.