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Aviva stocks & shares ISA

A tax-efficient way of investing for tomorrow

It’s important to read the information on this page before you get started with our ISA. Here's why it could suit you:

  • Save up to £20,000 a year with a range of ways to invest your money
  • Get going with regular payments from £25 a month or a single payment of £500
  • Pay no UK income tax or capital gains tax on your returns

What is a stocks and shares ISA?

An Individual Savings Account (ISA) is one way to invest tax-efficiently. That means there's no UK Income Tax or Capital Gains to chip away at money you make.

This type of ISA has the potential to grow your investment by more than a cash ISA or savings accounts. Investing works best over the long term, and staying invested for five years or more can increase your chance of positive returns.

Just bear in mind that the value of a Stock & Shares ISA can fall as well as rise, and you could get back less than you put in.

Your exact tax benefits will depend on your circumstances and may change in the future.

Find out more about how ISAs work

How our stocks and shares ISA could work for you

  • Get saving from just £25 a month

    That’s all you need to commit to – or start with a lump sum of £500.

  • Flexible withdrawals

    Take money from your ISA with no fees or penalties. Pay money back in the same tax year without affecting your annual ISA allowance. 

  • Invest your way

    You have control over how you invest your ISA with us, thanks to a range of investment options. Whether you're new to investing or more experienced, there's an option for you. 

What to think about when taking out an ISA with us

Benefits

  • Build your investment
    You can keep adding to your ISA, up to the maximum ISA allowance each year (currently £20,000 across all ISAs you have), and any returns or interest are free from UK income tax or capital gains tax.
  • Replace what you take out
    Our ISA is flexible, meaning you can withdraw money and pay it back within the same tax year without affecting your annual allowance.
  • Range of investment choices
    Decide how hands-on you want to be. Choose from ready-made funds to a portfolio you build yourself, including ethical and environmental options. You can also choose from shares and other exchange traded investments.

Things to consider

  1. It’s for the longer term
    Experiencing market movements up and down is a normal part of investing. Leaving your money invested for five years or more gives it the best chance to grow. 
  2. Your annual allowance
    Your annual allowance for ISAs from all providers this tax year is £20,000, and that’s the combined total across any types of ISA you have.
  3. ISA rules
    You can only open and put money into one of each type of ISA every tax year. As an example, this means you can only open one stocks and shares ISA this tax year, but you can also open a cash ISA.

Important documents

Before you apply for an ISA, make sure you read and understand all the details. If there’s anything you’re not sure about, it may be worth taking financial advice before you make any decision.

Aviva Stocks & Shares ISA key features (PDF 388KB)

Aviva Stocks & Shares terms and conditions (PDF 211KB)

Our guide to ISAs (PDF 941 KB)

Target Market Statement (PDF 111KB)

Try our ISA calculator

How much could you benefit from an Aviva Stocks & Shares ISA? Let our ISA calculator do the sums for you.

Our stocks and shares ISA investments and charges

How to choose investments

There are four ways to decide how you invest in our ISA.

  1. The most straightforward approach is to pick one of our ready-made funds.
  2. If you’re a more experienced investor, you might prefer browsing a narrowed-down fund shortlist from our experts.
  3. The most confident investors can build their portfolio using our full range of funds.
  4. Finally, experienced investors can buy and sell shares and other exchange traded investments.

What are the investment charges?

We won’t charge you for opening an Aviva Stocks & Shares ISA and there’s no charge to transfer your investments to us. However, your existing provider may charge you for leaving them, so you’ll need to make sure it all adds up before making the move. Once you have a Stocks & Shares ISA with us, these are the charges you can expect to pay:

Funds

You'll pay an Aviva Charge of up to 0.40% for the value of your funds or cash, depending on how much you invest.

There's also a Fund Manager Charge that will depend on the funds that you've chosen. This charge is included in the price of the fund.

We won't charge you for buying or selling funds.

Shares and other exchange traded investments

You'll pay an Aviva Share Charge, which is 0.40% of their value, capped at £45 a year. 

There'll be a Fund Manager Charge for exchange traded funds and investment trusts that will be included in the price of the investment. 

When you buy shares and other exchange traded investments, there'll be a Trading Charge for every trade you make.

There may be other charges you’ll need to be aware of – you can read more about these on our charges page.

ISA FAQs

What are the tax benefits of an ISA?

What’s the minimum amount I need to open an Aviva Stocks & Shares ISA?

Can you have more than one stocks and shares ISA?

Can I transfer a cash ISA to a stocks and shares ISA?

What happens to any dividends from my Aviva Stocks & Shares ISA?

Why choose us?

We believe we’re the best - but you don’t have to take our word for it.

  • An award-winning choice
    We continue to receive recognition for our investment platform.
  • Our past, your future
    We’ve been protecting people like you for over 325 years.
  • Invest in your future, and the future of the planet
    With our investments that take environmental, social and governance (ESG) factors into consideration.
Awards logos: YourMoney.com - Investment Awards winner of Best Investment Platform For Beginners and Best Investment ISA For Large Portfolio

Investing responsibly with us

Use our investment preference tool to find funds that match your values across environmental, social and governance (ESG) issues. Capital at risk.

Learn more about savings and investments

Not sure if you should save your money or use it to invest? Our articles can help outline the options open to you.

Alternatives to an ISA

The value of an investment can go down as well as up. You could get back less than invested. 

With Aviva Save inflation will reduce the spending power of your money.

With the Aviva Pension you can't access your money until aged 55 (57 from April 2028).

Contact us

Still need some help? Give us a call

0800 285 1088

Monday to Friday: 8:00am – 5:30pm

Saturday and Sunday: Closed

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.

Alternatively, you can email us and we'll get back to you as soon as we can.

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