About the product
What is a Stocks & Shares ISA?
A Stocks & Shares ISA is a tax-efficient investment wrapper that lets you invest up to £20,000 per tax year. Returns generated within the ISA — whether capital growth, dividends or interest — are free from UK income tax and capital gains tax.
The Invinitive Stocks & Shares ISA gives you access to a broad investment universe, with the flexibility to invest a lump sum, set up regular savings, and withdraw funds whenever you need to.
Key product features
How it works
Six things to know about the Invinitive ISA
Tax-free wrapper
No UK income tax or capital gains tax on returns generated within your ISA. Keep more of what your investments earn.
£20,000 annual allowance
Use your full annual ISA allowance each tax year. Carry unused allowances is not permitted, so timing matters.
Lump sum & regular savings
Invest a lump sum at the start of the tax year or set up regular monthly contributions to build wealth steadily.
Easy access
Withdraw funds whenever you need them. Please note the Invinitive Stocks & Shares ISA is not a flexible ISA — any amounts paid back in count as a new subscription and use your available annual allowance.
Broad investment access
UK equities, ETFs, mutual funds and bonds on the London Stock Exchange — all within the tax-free wrapper.
Simple online platform
A clean, intuitive interface. View holdings, transact, and manage your ISA in minutes.
Suitability
Who is this product designed for?
This is general information only and does not indicate suitability for any individual.
Tax efficiency
Keep more of what your investments earn
Inside a Stocks & Shares ISA, your investments grow free of UK income tax and capital gains tax. Dividends received on shares held within the ISA are not subject to UK income tax, and any profit you make when selling investments is free of capital gains tax.
Over time, the compounding effect of tax-free returns can make a meaningful difference to the value of your portfolio compared with investing outside a tax wrapper.
Capital gains tax
No CGT on profits when you sell investments held within the ISA.
Income tax
No UK income tax on interest or dividends generated inside the wrapper.
Annual allowance
Invest up to £20,000 per tax year (2026/27). Unused allowance cannot be carried forward.
Withdrawals
Withdraw funds at any time. This is not a flexible ISA — any amounts paid back in count as new subscriptions and use your available annual allowance.
Charges
Transparent fee structure
We keep charges clear and predictable. No hidden commissions, spreads or undisclosed costs. Underlying fund charges are set by fund managers and disclosed separately.
| Charge | Amount |
|---|---|
| Account setup | No fee |
| Annual platform custody fee | 0.25% p.a. (capped at £400) |
| UK equities, ETFs, funds, bonds | £7.95 per trade |
| Faster payments (GBP withdrawal) | £15.00 |
Effective from 1 May 2026. Please refer to the current Costs & Charges document before opening an account.
Getting started
Open and fund in minutes
Apply online
Complete our straightforward online application and identity verification — no paperwork required.
Fund your ISA
Deposit via bank transfer in GBP, or transfer in an existing Stocks & Shares ISA from another provider. Invest a lump sum or set up regular monthly contributions.
Start investing
Browse and invest across UK equities, ETFs, funds and bonds — all within the tax-free wrapper.
Access anytime
Withdraw funds whenever you need to. Please note this is not a flexible ISA — any amounts paid back in count as a new subscription and use your available annual allowance.
Important considerations before investing
Get started
Ready to open an
Invinitive ISA?
Open an account online in minutes. Use your annual ISA allowance wisely and start investing tax-efficiently. Our team is available to answer any questions about the product, charges or how to get started.
Contact us
Website
www.invinitive.co.uk
info@invinitive.co.uk
Regulated by
Financial Conduct Authority (FCA)
Important information: This brochure is provided for general information only and does not constitute financial advice, a personal recommendation or a suitability assessment. The value of investments can fall as well as rise. You may get back less than you invest. Tax treatment depends on individual circumstances and may change in future. The Stocks & Shares ISA is a tax-efficient wrapper; the tax advantages described are based on current HMRC rules, which may change. Please read all relevant product documentation, terms and the current Costs & Charges document before opening an account.
© 2026 Invinitive Financial UK Ltd. All rights reserved. Authorised and regulated by the Financial Conduct Authority.
www.invinitive.co.uk