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Aviva stocks & shares ISA
A tax-efficient way of investing for tomorrow
- 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 ISA is an Individual Savings Account. A stocks and shares ISA (sometimes called an investment ISA) is an account that lets you invest tax-efficiently. That means there’s no UK income tax or capital gains tax to chip off any money you earn.
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 an 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.
How our stocks and shares ISA could work for you
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Get saving from just £25 a month
That’s all you need to commit to – or start with a lump sum of £500
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Flexible withdrawals
Take money from your ISA with no fees or penalties. Pay money back in the same tax year without affecting your annual allowance
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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 is my ISA allowance?
The combined ISA allowance for the 2023/2024 tax year is £20,000.
You can split your ISA allowance across the four different types of ISAs in any tax year (Cash ISA, Stocks & Shares ISA, Lifetime ISA and Innovative Finance ISA).
You can only open and pay into one of each type of ISA each tax year.
You can transfer an ISA to us at any time you like, and it won't affect your allowance.
What to think about when taking out an ISA with us
Benefits
Things to consider
- 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. Remember, no investment is guaranteed to deliver returns. - 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. - 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)
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.
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
Are stocks and shares ISAs tax-free?
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 dividends in my stocks and shares ISA?
Why choose us?
We believe we’re the best - but you don’t have to take our word for it.
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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.
What is a stocks and shares ISA?
A stocks & shares ISA has a tax efficient wrapper that is put around your investments, so investment growth earned within this ISA is tax-free.
What is investing?
Find out how you could make your money work smarter with our easy-to-understand guide.
Investing in funds: the basics
Thinking of investing? Here’s what you need to know about funds
Am I financially ready to invest?
You might think you don’t have enough money to start investing, but you may be closer than you think.
Should you overpay your mortgage or invest?
How to use spare cash now to benefit you in the future.
Ethical investments: profit with purpose
We explore why profit with purpose is no longer a pipe-dream for ethical investors.
Alternatives to an ISA
Aviva Investment Account
An excellent option if you've used your ISA allowance. Open an Investment Account and manage everything online.
Aviva Save
Aviva Save makes it easier to decide between online savings accounts. Find out more about how you can start saving with Aviva Save here.
Aviva Pension
Start saving for your retirement, or bring all your pensions into one place with our flexible Aviva Self-Invested Personal Pension (SIPP).
Contact us
Still need some help? Give us a call
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.
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