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Santander Stocks and Shares ISA

The Very Latest Stocks and Shares ISAs Compared
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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
See Deal Open an ISA before 31 December and get £100 cashback. New customers only, invest £5k or more. Terms & fees apply. Capital at risk.

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00
See Deal Choose from over 13,000+ global stocks & ETFs. Invest in UK shares from as little as £3 per trade. IG offer a "Smart Portfolio ISA" where you can get an expertly built portfolio that is right for your risk profile. Capital at risk.

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. Please note: As with all investing, your capital is at risk you may get back less than you have put in. The value of the ISA will depend on the performance of the investments and any bonuses cannot be guaranteed. Additionally, if investment conditions are poor, we may apply a Market Value Reduction (MVR)
  • Invest From: £30 pm

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £1.50. Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
  • Invest From: £25 pm

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 Nutmeg

ISA Option
Allows ISA Transfers
  • Fund Choice: Nutmeg offer 5 diversified portfolios with ETFs, using technology to keep charges low. Capital at risk. Approved by Nutmeg 24/02/2023
  • Invest From: Min. £500 single

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. Capital at Risk
  • Invest From: £100

Stocks & Shares ISA

from Tillit

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: From well-known classics to trailblazers and wildcards, TILLIT filter the market and select the best-in-class active and passive funds across asset classes, regions and styles. No one needs 5,000 funds. Get breadth and variety, without the choice paralysis

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 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 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

Share Dealing ISA

from Interactive Brokers

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £3.00
See Deal Eligible UK Investors can open ISA's and Earn £55 of Commission Credit. For new clients. Limited time only, Terms apply

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

My Money Builder Select ISA

from Scottish Friendly

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: When you set up a My MoneyBuilder Select (ISA), your money will be invested in a single fund - the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund. Remember the value of investments can go down as well as up, and you could get back less than you’ve paid in. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value
  • Invest From: £10 pm o r £100 single

Stocks & Shares ISA

from & me

Allows ISA Transfers
Regular Savings
  • Fund Choice: Range of portfolios managed by investment experts from M&G Wealth, who continually review a range of factors and global trends to make ongoing decisions about where to invest, and find new opportunities with the potential to deliver long-term growth for investors

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 ChipX

ISA Option
Allows ISA Transfers
  • Fund Choice: Save and invest across investment funds, cash savings, and real assets
  • Invest From: No minimum

Santander Stocks and Shares ISA

Santander UK plc is a British bank, wholly owned by the Spanish Santander Group. They have over 1,010 branches across the UK and is one of the UK’s leading personal financial services,

While Santander don’t currently offer a Stocks and Shares ISA, they do offer a range of other ISA options. Compare our tables for latest rates.

Why Choose a Stocks and Shares ISA?

In this time of ever decreasing interest rates from banks, many people have turned to investing in order to make up the shortfall.

There is an element of risk as there is no guarantee that you will make any profit and could even make losses on your cash. However, investing has traditionally been a successful way to gain returns on your money and with many providers offering managed accounts with a portfolio to match your risk threshold, it has never been easier for beginners to start investing.

Most Stocks and Shares accounts do take transfers in but check with your current providers to make sure there are no hidden charges for account closure which can result in significant losses.

About Stocks and Shares ISAs

It's accepted that this type of account is not normally an investment in its own right but it does provide you with a platform to invest from.

An investment ISA can hold money in order to invest in qualifying sources such as government bonds and corporate bonds as well as shares and stocks.

They are generally available as either self-select ISAs that allow you to invest directly into stocks and shares or as collective investment schemes.

Stocks & shares ISA are referred to as ‘tax-efficient’ wrappers, as there is no capital gains tax to be paid on gains made on investments held within the wrapper, although dividends do incur 10% income tax at source.

  1. Are you new to investing or simply don't have time?A ready made ISA investment portfolio may be right for you where you get investment experts to choose the asset mix of your ISA on your behalf.The good news is that over the last few years investment platform providers have upped their game in providing carefully constructed model portfolio options to suit all kinds of investors for your ISA.Using low cost funds such as ETFs and index trackers and smart technology there are some excellent options for investors.Providers of ready-made portfolios include:
    1. Interactive Investor
    2. Hargreaves Lansdown
    3. Moneyfarm
    4. AJ Bell
  2. Choosing a ready made ISA portfolioWith each ready made portfolio, it is the investment team at your selected portfolio provider who have chosen the investments.Each portfolio will typically have a set risk profile e.g. cautious, balanced, adventurous, and then will invest in assets that are aligned with the portfolio risk profile. The ISA portfolio provider’s documentation will clearly explain exactly where your money will be invested.Depending on the type of ISA portfolio service offered:
    1. The fund managers will then manage the investments on your behalf or
    2. Having made the investment choices for you, it is up to you on how you “manage” the investments going forward

The investment experts at the portfolio provider may also monitor the make-up of the portfolio, and may consider changing it if market conditions alter, which might help mitigate the effects of falling stock markets.For example, they might decide to have more exposure to one investment fund which they think is set to perform well, and to reduce their exposure to another fund.However, you still need to make the initial decision as to which portfolio to choose.When deciding which portfolio to invest in, you might decide to look at past performance records.If you do, then please remember that past performance is not necessarily a guide to future performance.

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

Frequently Asked Questions

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 will be charged an annual management charge from your investment ISA provider, and you may also need to pay ad hoc administration and dealing charges.

The funds you invest in may also charge an annual fee. 

You can invest in a Stocks and Shares ISA by opening an account online, over the telephone or by post.

You will need to make a contribution to open your account, either via Direct Debit or a debit card payment.

You can add £20,000 for the current tax year, and this amount refreshes each tax year.

Important Risk Information:

Capital at risk. Tax treatments depend on your individual circumstances and may change. 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.