Aviva Stocks & Shares ISA

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Make the most of your ISA allowance

Take control of your investments with our Aviva Stocks & Shares ISA. With an ISA allowance of £20,000 for 2019/2020, it’s a great way to invest your money for the medium to long term. You can pick from our growth and income ready-made funds or select funds yourself from our full range.

From £50 a month

Start with a lump sum of £500 or pay in as little as £50 a month.

Account flexibility

Manage and track your ISA with our online investment service.

Anytime withdrawals

Take money from your ISA whenever you need to.

So whether you’re investing for a once-in-a-lifetime holiday or a rainy day, our Aviva Stocks & Shares ISA could suit you. Remember, investment values can fall as well as rise so you could get back less than you put in.

Is a stocks and shares ISA right for you?

Every investment decision is based on your risk and return appetite, the way you’d like to invest, and understanding how ISA's work.

What is a stocks and shares ISA?

A stocks and shares ISA is a tax-efficient investment account that suits those looking for a more long-term investment. Instead of a set interest rate each year, you invest your money in the stock market by picking from a range of funds. You get the flexibility of being hands-on or hands-off with your level of involvement and have the control to choose the investment you're comfortable with.

Why a stocks & shares ISA?

Stocks & shares ISAs carry more risk than a cash ISA or a savings account, but could also increase your gains. Of course, this does mean you’ll need to be comfortable with the ups and downs of the market, but depending on your risk appetite, a stocks & shares ISA could be just for you.

Fair and transparent charges

We’ve tried to keep things clear and simple. There are some charges associated with our Aviva Stocks & Shares ISA. Here's how they work.

Our charge

We charge an annual fee for managing your investments that works tier by tier. 

So the charge for the first £50,000 is 0.40%, the next £200,000 is 0.35%, and so on. We calculate the cost daily and take payment monthly from your cash account where money’s held before it's invested.  

The cash account is where your money is held until you allocate it to investment funds. We pay interest on money held in the cash account at our variable rate. If the variable interest rate is less than what we charge for managing your stocks & shares ISA , the amount in the cash account will go down.

If there's not enough money in the cash account to pay your charges, we’ll automatically take the money from your investments. But don't worry, we’ll always let you know before we do this. See our terms and conditions for full details.

Invested value First £50,000
Next £200,000
Next £250,000
Amount above £500,000
Annual charge 0.40%
0.35%
0.25%
0%

We look at all of the accounts you have with the online investment service –which offers the Aviva Pension, Investment Account and Aviva Stocks & Shares ISA – when calculating your charge.

Read our terms and conditions

Paperless promise

When you open the Aviva Stocks & Shares ISA, you can manage everything online – including all of your account information – free of charge. If you’d prefer to receive paper copies of any documents, we charge an extra £3 per month to cover the cost.

Fund Manager Charge

The fund or funds you choose may incur an extra charge to cover the costs and expenses of managing the investments. Each fund has an individual charge which can be found in the Key Investor Information Document. This also appears as an Ongoing Charge Figure (OCF) on your statement.


Before you invest

To open an Aviva Stocks & Shares ISA, you'll need to be eligible and to set up your payments. There's also a level of risk you'll need to be aware of.

You can open an account if:

  • You're aged 18 or over
  • You're a permanent resident in the UK or you or your spouse or civil partner work overseas for the UK Government
  • You haven’t exceeded your annual ISA allowance this tax year
  • You haven’t already opened this type of ISA this tax year

You'll need to:

  • Set up regular payments of at least £50 a month, or make an initial payment of at least £500
  • Understand that the value of your investment can go down as well as up and you could get back less than you paid in

Ready to start?

Choose one of 3 ways to invest, or open an account and choose your funds later.

Already have an ISA elsewhere? You can transfer it quickly and easily.

What the Aviva Stocks & Shares ISA offers

Our Aviva Stocks & Shares ISA is a tax-efficient way to invest for your future. You can manage everything easily online and access your money whenever you need to.

Tax-efficient

  • No Income Tax or Capital Gains Tax
    ISAs are exempt from these taxes, which can make a big difference on what you’ll get back on your investment over the long term.

Accessible

  • Access your money at any time
    Withdraw and pay back money in the same tax year without affecting your allowance.

Flexible

  • Monitor and change your investments
    You can view how all of your investments are performing and make any changes, all in one place online. In exceptional circumstances, there may be delays in selling or switching funds.

Fund choice

  • 3 ways to choose
    Choose from our ready-made funds aiming for growth or income, use our Aviva Investors experts' shortlist, or select what you want from our full range of funds.

Important documents

Before opening an Aviva Stocks and Shares ISA, take a look at  these helpful documents.


We will always adhere to our 'best execution practices' as set out in our latest Order execution policy. What's more we also have a policy to prevent conflicts of interest that might affect your investment. And if there's ever one we can't prevent we promise to let you know.

Other ways to invest

There's more than one way to make your money work harder. Here are a few other ways you can do it with us.

Aviva Investment Account

If you’ve used your ISA allowance you can open an investment account and manage everything on our easy-to-use online investment service.

Transfer your ISA

Our straightforward process makes transferring your ISAs and investments to us easy and simple.

Wealthify

Wealthify offers ISAs, Junior ISAs and general investment accounts in a remarkably simple way.

Learn more about investing

Not sure if you should invest your money? Take a look at our investment news and guides.

Contact us

Still need some help? Give us a call.

0800 285 1088

Monday to Friday: 8:00am – 6:30pm

Saturday: 8:30am – 12:00pm

The value of your investment can go down as well as up and you could get back less than you paid in. This is not a personal recommendation. If you need a personalised recommendation based on your personal circumstances, you should seek financial advice.

For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free.

Platform provider and ISA Manager: Aviva Wrap UK Limited. Registered in England No. 4470008. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 231530. Aviva UK Digital Limited introduces to Aviva Wrap UK Limited for ISAs.

Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen’s, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985.