What is an ISA?
An ISA, or individual savings account, is a ‘wrapper’ that shelters your investments from tax – helping your money grow more quickly. The government sets a maximum amount that you can invest in ISAs each year.
ISAs are an easy, tax-free way to help your money grow. Unlike cash ISAs, all of our ISAs are designed for investing, so you're not relying on interest rates alone, putting you in control.
We offer a range of ISAs, and opening one with us is quick and easy. No matter your reason, we'll get you set up in no time.
See our range of accounts£20,000 annual allowanceInvest up to £20,000 per tax year, as part of your personal ISA allowance.
All growth is tax-freeNo matter how much your money grows, you keep all of it. Any growth to your money is tax-free.
Wide range of investmentsChoose from funds, shares in companies, specialist investment trusts, index-tracking exchange-traded funds (ETFs), as well as bonds and gilts.
Multiple accountsInvest in one ISA or choose to spread your annual ISA allowance across each type. Even if you hold an account elsewhere, you can still open an AJ Bell ISA.
Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and ISA and tax rules can change. We don’t offer investment advice, so you’ll need be confident you can manage your ISA yourself. A stocks and shares Lifetime ISA isn't for everyone. If you withdraw money before age 60, except to purchase your first home, you'll pay a government withdrawal charge of 25%. This may mean you get back less than you put in.
Stocks and shares ISA
Our most popular ISA account offering the greatest flexibility and investment limits.
Key benefits:
Invest up to £20,000 each tax year
Get started with as little as £25
Easy withdrawals
You can hold multiple Stocks and shares ISAs
Transfer from another provider without affecting your ISA allowance
Eligibility:
Aged over 18
Lifetime ISA
Our ISA for first-time buyers or those saving for retirement.
Key benefits:
Invest up to £4,000 per tax year
Get started with as little as £25
Get a 25% bonus every year, up to £1,000 until age 50
No withdrawal charge when withdrawing the money to purchase your first home, or for retirement, accessible from 60
Eligibility:
Aged 18-39 to open an account
Junior ISA
Give the little one in your life a big boost with our low-cost junior account.
Key benefits:
Invest up to £9,000 per tax year
Get started with as little as £25
Money safely locked away until the child is 18 years old
Can be opened by parents
Anyone can pay into it
Eligibility:
Aged under 18
Introduction to ISAs video
Transfer an ISA
When you transfer an ISA to AJ Bell, we’ll do the hard work for you. Here’s what you need to know about ISA transfers before you get started.
Transferring a Child Trust Fund
If your child's outgrown their trust fund by turning 18 or if you're looking for more control on how it's invested, it may be time to consider transferring to a Junior ISA or an adult's Stocks and shares ISA.
Still not sure about opening an ISA?
We get it. Deciding what to do with your hard-earned money can be difficult, especially if you’re unsure where you should invest it. Here, our in-house experts help you by sharing their investing knowledge.
We weigh up each account to help you decide which is best for you.
All you need to know about ISAs and Self-invested personal pensions.
A look at the allowances and limits of having multiple ISA types.
We'll help you get investing
For over 25 years, AJ Bell has made investing simple and affordable.
We’re a 7x Which? Recommended Provider, with an award-winning range of accounts.
If you’d like more information about AJ Bell’s accounts and services, get in touch with our friendly customer services team - we’re here to help.