Stocks and shares ISA

Squeeze the most out of your £20,000 tax-free allowance before 5 April

Open an ISA View ISA charges

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.

Stocks and shares ISA at a glance

A Stocks and shares ISA is an easy, efficient way to invest. It’s completely tax-free to open and fund one of each ISA type in a tax year, so more of what you make stays in your pocket. And since you can access your pot whenever you like, it can be a useful rainy-day fund too.

Money grows tax-freeNo income or capital gains tax, letting you keep more of your returns for yourself.

Invest up to £20,000 a year Each tax year, you can invest up to £20,000, which counts towards your overall ISA allowance.

Anytime withdrawals Withdraw money from your investments whenever you need to, and pay it back in, as long as you're within your annual ISA allowance.

Read our guide on ISAs for beginners
Stocks and shares ISA rules let you pay in up to £20,000 each tax year. You’ll get a new allowance every tax year – but what you don’t use doesn’t roll over.

Invest up to £20,000 a year

Why choose AJ Bell as your Stocks and shares ISA provider?

We’re one of the UK’s largest and best regarded investment platforms, trusted by over 499,000 customers. Here are some of the reasons why investing in an ISA with AJ Bell feels so good.

Bell with tick

You’re in controlWhether you use a financial adviser or manage your investments yourself, we offer a range of easy-to-use products and services to help you hit your financial goals.

Bell with tick

You’re in safe handsWe’re listed in the FTSE 250, so you know you’ve got one of the UK’s largest and financially secure Stocks and shares ISA providers behind you.

Bell with tick

You get great valueOur low charges make AJ Bell one of the cheapest Stocks and shares ISAs in the market - you'll never pay more than 0.25% to hold your investments. With options to suit all kinds of investors, you can be sure you’re getting one of the best value platforms in the UK.

Bell with tick

You get top serviceWe’re here to help. Whether it’s over the phone, email or webchat, our friendly team will always be straight-talking and transparent.

AJ Bell Which? recommended provider investment platform may 2023

Which? Recommended Provider for Investment Platforms five years running, 2019–2023

0.25% annual custody charge

You’ll never pay more than 0.25% to hold investments in your account. And you can buy and sell investments from as little as £1.50.

Managing your account

Mobile app – manage your ISA portfolio anywhere with our iOS and Android apps

Wide choice – pick from a vast variety of investment options, including over 2,000 funds, and shares across 25 markets

Regular investing – grow your ISA gradually by putting in as little as £25 a month with our regular investment service

Live UK prices – deal when it's right for you with live UK pricing

Free investment magazine – all AJ Bell customers enjoy full access to Shares magazine

The AJ Bell app supports a wide range of modern devices

Apple app store Google play store

What can I invest in?

With an AJ Bell Stocks and shares ISA, how you choose to invest and manage your portfolio is down to you. If you're in need of inspiration, take a look at our investment ideas, but if you know what you're looking for, you can choose from a wide range of shares, funds, investment trusts, exchange-traded funds (ETFs) and more.

Funds

You can choose from more than 2,000 funds, helping you build a diversified portfolio.

Shares

Invest in thousands of companies on UK and international markets.

Investment trusts

Pick from more than 450 investment trusts across a broad range of sectors.

Exchange-traded funds

Choose from a range of ETFs which track your choice of index or benchmark.

Three ways we can help you invest

AJ Bell funds

Leave the hard work to us. Just choose your fund, and how much to put in.

Leave it to an expert

Starter portfolios

Hit the ground running. Choose an AJ Bell Starter portfolio and manage it yourself.

Choose your portfolio

Favourite funds

Narrow the field. Choose from our rigorously researched shortlist of global funds.

View funds

Good to know about Stocks and shares ISAs

How many stocks and shares ISAs can I have?

You can hold multiple stocks and shares ISAs: for example, one with us and another with a different provider. However, the rules only allow you to open one of each ISA type (e.g. cash ISAs, stocks and shares ISAs) during a tax year. You can also only pay in to one of each ISA type during a tax year.

If you wanted to hold two stocks and shares ISAs, say, you’d need to open them in different tax years. And you’ll only be able to pay into one, not both, during a single tax year.

Learn about opening multiple ISA accounts.

Are stocks and shares ISAs a good investment?

A stocks and shares ISA isn't an investment in its own right, but an account or ‘wrapper’ that lets you hold investments such as shares and funds tax-free. You might also see a stocks and shares ISA called a trading ISA or self-select stocks and shares ISA. If you’re not sure where to invest your money, our investment ideas page can help you to get started.

How long should I hold a stocks and shares ISA for?

In a stocks and shares ISA, you can access your money when you like. But just as with any type of investing, it’s always good to set your sights long term, if you can (five years or more). That gives your investments a better chance of riding out any bumps in the market.

Are ISAs flexible?

Our ISA isn’t flexible, so any money you withdraw then pay back in during the same tax year will count towards your ISA allowance. Before opening an account, please read our ISA key features, risks and terms and conditions to make sure it’s right for you.

Invest up to £20,000 into our
Stocks and shares ISA today

Open an account

Read about our ISA charges

Frequently asked Stocks and shares ISA questions

Learn more about our Stocks and shares ISA

Woman reading on her mobile phone
Understand the basics

Grasp the basics before you begin.

Woman relaxing on sofa listening to music
Guide to ISAs

All you need to know about investing in an ISA.

Comparing a donut with an apple
Compare our popular products

Find out which account is right for you.

We'll help you get investing

For over 25 years, AJ Bell has made investing simple and affordable. We’re a 5x Which? Recommended Provider, with an award-winning range of accounts.

Learn more about us

AJ Bell Which

Can we help?

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.