
Understand the level of risk first
Investing in an ISA offers the potential for better returns than cash savings over the long term (5+ years). But there are risks, the value of your investments may go down as well as up, and you may get back less than you’ve paid in.
Tax benefits are based on personal circumstances and are subject to change.
Funds
- Ready-made funds – ideal if you want an easy option, these fully-managed funds have four different choices to match your risk appetite and goals.
- Experts’ Shortlist – a selection of 80 funds that experts at Aviva Investors think have the greatest chance of good income or capital growth over the long-term.
- Self-select funds - if you're an experienced investor, confident you understand risk and happy to take control, then you can buy and sell from our full list of over 5,000 funds.
Shares
- Shares - buy and sell shares in UK companies you’re interested in.
- Exchange-traded funds (ETFs) - like investment funds, these are groups of assets bundled together, but they can be bought and sold like shares.
- Investment trusts - this is a type of fund that sells shares to invest in a portfolio of assets, with the aim of producing returns.
Investment charges with our ISA
0.35% annual fee
The Aviva Charge for managing your investments is 0.35% of their value, up to £500,000. So, if you have £100,000 invested with us, you'll pay £350 a year.
Share deal for £4.99
If you buy or sell UK shares, exchange-traded funds (ETFs) or investment trusts with us you'll be charged a flat fee of £4.99 per trade.
Other charges
Depending on the investments you choose, you may have other charges, like fund management charges. You can find a full list of possible charges here.
Help with starting your ISA
If you’re unsure about ISA investing, we’re here to help.

Simple Wealth
From £25, get a personalised digital advice to help you choose the right investments for your ISA.

ISA calculator
Work out what your ISA investment could be worth over the years.
Why invest in an Aviva ISA?

Your funds are looked after by a leading investment manager - Aviva Investors, who handle £240bn for clients around the world as at 31st March 2025.
Start your ISA from just £25 a month. Or start with a lump sum of £500, or a combination of both.
Award-winning service. We were named Best Investment ISA (Large Portfolio 2025) by YourMoney.

We know fees can be complex. We’re committed to keeping our fees clear and simple.

Important documents
Before applying for a ISA with us, please make sure you've read the key features, plus terms and conditions. You should also understand our target market statement.
We have key information you should check about using exchange-traded funds (ETFs), along with our order execution policy for trading and our conflicts of interest policy.
Frequently asked questions
What happens to any dividends from my Aviva Stocks & Shares ISA?
Whether you receive dividends and when they're paid will depend on the investments you choose for your ISA. If you get dividends you have the choice to reinvest them, which can help boost the growth of your investments, leave them in your ISA account as cash or withdraw them to your nominated bank account.
What’s the minimum amount I need to open an Aviva Stocks & Shares ISA?
From £25 a month you can start investing in our stocks and shares ISA. Or if you prefer, start with a lump sum of £500, or a combination of both.
Can I have more than one stocks and shares ISA?
Can I transfer a cash ISA to a stocks and shares ISA?
Yes, you can. Learn more about transferring your ISA. If you move from a cash ISA to a stocks and shares ISA your money will be invested and affected by things like company performance, market conditions and charges. So, unlike a cash ISA the value could go down as well as up and you could get back less than invested.
What are the tax benefits of an ISA?
You won’t pay UK income or capital gains tax on any profits you make from a stocks and shares ISA, so it’s a tax-efficient way to save. Find out more about ISA allowances.
Contact us
Still need some help? Give us a call
0800 285 1088
Monday to Friday: 8:00am – 5:30pm
Saturday and Sunday: Closed
Email: myinvestmentportfolio@aviva.com
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.