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Compare Royal London ISAs

Compare ISAs from Royal London and other ISA options available.

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

Sustainable Leaders

from Royal London

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invests in companies that are likely to benefit from measures taken to improve the environment, human welfare and quality of life. Capital at risk.
  • Invest From: £25 pm

Junior Stocks & Shares ISA (Sustainable Leaders Fund)

from Royal London

Regular Savings
  • Invest From: £25 a month or any lump sum
  • Investment Options: The core of the investment portfolio consists of shares in companies involved wholly or in part in the manufacture of products, industrial processes or the provision of services associated with improving the environment and the enhancement of human health and safety. Capital at risk.

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.

Please be aware we are not currently able to offer any ISA accounts from Royal London.

Who are Royal London?

Royal London are a mutual life, pensions and investments company based in the UK.

Although their history dates back further, they have been operating as a mutual life assurance society since 1908. They provide a range of life insurance policies, investment products and pensions to their customers.

Royal London are not currently offering ISA accounts to new customers; however, you can still contribute to your existing Royal London Investment ISA through their online platform.

What is an ISA?

ISAs are tax-free savings accounts, which means that any investments you hold in them are sheltered from the taxes you normally have to pay in a standard savings account:

  1. Income tax on investment dividends
  2. Income tax on interest earned
  3. Capital gains tax on the growth of your investments

HMRC sets an annual limit for how much you can add to your ISAs each tax year, and the current year’s annual allowance is £20,000.

What are the different ISA account types?

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

Cash ISAs

Cash ISAs are usually offered by banks and building societies, and they provide you with fixed or variable interest rates on your savings.

You get fixed interest rates from Cash ISAs that have a fixed term, usually ranging from 1 to 5 years. The longer the term you commit to, the better rates you get.

However, if you withdraw from your fixed-term Cash ISA before the end of your term then you will either be charged or lose some of the interest you’ve earned.

Variable-rate Cash ISAs are more flexible with regard to withdrawals. You can sometimes withdraw as and when you please, or a have set number of withdrawals per year.

Generally, the more accessible your ISA, the lower the interest rates you get.

These interest rates are also variable so can fluctuate throughout your investment, but you aren’t charged for withdrawals as long as they’re within the account’s rules.

Cash ISAs are low-risk investments and you will always get back at least what you put in, provided that you only make withdrawals within the restrictions of your account.

Stocks and Shares ISAs

Stocks and Shares ISAs enable you to invest directly in the stock market while keeping your investments sheltered from tax.

There are two main types of Stocks and Shares ISA accounts: ready-made portfolios and self-select portfolios.

A ready-made portfolio ISA invests in the stock market, usually through a combination of funds, investment trusts and other investment vehicles. They are put together and managed by investment professionals, and are usually categorised by your risk level and savings goals, e.g., a balanced risk, growth portfolio.

Self-select portfolios give investors the freedom to make their own investment decisions, and there is a huge range of available assets you can hold in an ISA account.

Here are our top 4 investments for self-select Stocks and Shares ISAs:

Shares – shares in an individual company

Managed Funds (Unit Trusts and OEICs) – professional fund managers that invest in multiple companies within a specific sector or market

Investment Trusts – Like funds, they are investment companies that spread investor money across multiple companies

Exchange Traded Funds (ETFs) - tracker funds with low charges that aim to mirror the performance of a specific index or market

Self-select ISAs can be higher risk as you are required to make your investment decisions yourself; however, they avoid the higher costs you might pay for a ready-made portfolio.

ISA rules

Before investing in an ISA, you need to know the restrictions of the accounts. It can be fairly easy to accidentally break the rules without realising, so here are the essentials you need to know:

  • Your annual ISA allowance is £20,000 for the current tax year.

You can have more than £20,000 in your ISA by adding money over multiple tax years, but you can’t add more than £20,000 of new money to ISAs in one year.

  • Your ISA allowance can be split between both Cash ISAs and Stocks and Shares ISAs, and you can mix and match between the two.

For example, you can contribute £5,000 to a Stocks and Shares ISA and £15,000 to a Cash ISA in the same year to make up your full allowance.

  • You’re not allowed to contribute to more than one Stocks and Shares ISA or more than one Cash ISA per year.

However, you can have more than one Cash ISA or Stocks and Shares ISAs open at once, as long as you don’t contribute to them both in the same tax year.

  • ISA transfers allow you to transfer existing ISAs into one, without it counting as an ISA contribution.

This means you can consolidate all of your ISA accounts together and still have your ISA allowance of £20,000 to add new money.

  • Your ISA allowance does not roll over.

If you don’t use your allowance it doesn’t stack up for the next year – it will reset to the standard allowance for that year.

  • Your ISA allowance refreshes in line with the tax year on 6th April, not the calendar year.
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.

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.

You will never need to pay income or capital gains tax when you withdraw from a Stocks and Shares ISA.

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.