Stocks & Shares Individual Savings Account – ISA
Invest up to £20,000 each tax year with a Stocks & Shares ISA.
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
What is a Stocks & Shares ISA?
A Stocks & Shares Individual Savings Account (ISA) – or Investment ISA – is a tax-efficient investment account designed to help you save for your future.
They can be a good option for those looking to invest over the long-term whilst providing flexibility to access savings within the account if needed.
You must be at least 18 years old and UK resident to open a Stocks & Shares ISA.
It’s good to remember ISA rules can change and their benefits depend on your circumstances.
Benefits of a Stocks & Shares ISA
Tax-free investing
In an ISA any cash interest, investment gains or dividends are tax-free. Tax treatment may be subject to change.
More options and control
Choose where to invest your money from shares, funds, ETFs and Investment Trusts.
Boost your potential returns
Over the long-term investments aim to provide greater returns than cash, however, investing is riskier than cash saving and you might get back less than invested.
How to open a Stocks & Shares ISA
1. Open your ISA account online
It can take less than 10 minutes to open an ISA online. You can start a transfer request when you sign up or leave this until a later date.
2. Add money
Add money to your account to get started using a debit card.
3. Start investing
With your £20,000 annual ISA allowance you can invest in one go or set up monthly savings from £50 a month.
Your ISA investment options
Build your own ISA
Choose from 1000s of investments including funds, ETFs and investment trusts, plus UK and US shares. Get investment inspiration from The Best™ Funds List* to help you choose.
*The Best™ Funds List is a trademark of Bestinvest
Leave it to our experts
Our range of Ready-made investment portfolios are built and managed by the experts at our parent company, Evelyn Partners. Choose the investment that best matches your goals and attitude to risk.
Why choose a Bestinvest ISA?
Manage your ISA with our mobile app
Keep track of your investments and manage your accounts while you're on the go with our mobile app.
Add and withdraw from your ISA flexibly
Our ISA is flexible so you can take money out of your ISA and pay it back in as long as you do this within the same tax year.
Choose your own ISA investments
Pick your own investments or choose one of our Ready-made Portfolios.
How much does it cost to invest in a Bestinvest Stocks & Shares ISA?
Account services fees are charged as a percentage of the value of your investments in your account. The percentage charged depends on the value and type of investments you hold in your account. Our annual service fees are capped at 0.4% for funds and UK shares, and 0.2% a year for one of our risk-rated Ready-made Portfolios.
Other fees apply when you buy and sell certain investments.
Got ISAs with other providers?
Transferring to Bestinvest is free and with all your investments in one place, it can make it easier to manage your money.
Get the best from your ISA with a free coaching session
At Bestinvest you can benefit from free investment coaching. Whether you’d like to discuss your ISA investments or how to better understand your financial plan and goals, our Coaches are here to help. You can even have a free Coaching session without joining Bestinvest.
ISAs explained
What is an ISA?
Go right back to basics with our quick run-through of how ISAs work.
What's the ISA allowance?
All the details on the annual allowance, plus information about the ISA limits for previous tax years.
What are the different types of ISAs?
Explore all the options with our tour around the many ISA variations that are available to investors today.
How much could my ISA be worth?
Stay on track the easy way – use our ISA calculator.
Stocks & Shares ISA FAQs
You can open a Stocks and Shares ISA if you’re over the age of 18 and UK resident for tax purposes. You should also be:
- Comfortable choosing your own investments in an ISA
- Confident making long-term investment decisions
- Clear on our fees
With Bestinvest you can invest from as little as £50.
Yes, you can add cash to your Stocks & Shares ISA and leave it there until you’re ready to invest. Your money does not sit idle – Bestinvest cash balances earn 3.23% AER (as of August 2025). It’s good to know that our cash rate is set by our custodian (SEI investments) and is subject to change without notice.
Yes. First, you’ll need to open a Bestinvest account and then it’s just a few simple steps to get your ISA transferred. We’ll even pay up to £500 towards any exit fees your existing ISA provider may charge – terms and conditions do apply.