Invinitive Financial UK Ltd
Key Features of the
Invinitive Stocks & Shares ISA
2026 / 2027
The Financial Conduct Authority requires us to give you this important information to help you decide whether this product is right for you. Please read this document carefully and keep it for future reference.
This document is based on our understanding and interpretation of current legislation, which may change in the future. It should not be relied upon as financial, personal or legal advice.
1. About the Invinitive Stocks & Shares ISA
Who we are
The ISA manager is Invinitive Financial UK Ltd, authorised and regulated by the Financial Conduct Authority (FRN 964301).
Invinitive is a wholly digital, execution-only investment platform. We do not provide financial advice and we do not assess suitability.
What is the Invinitive Stocks & Shares ISA?
A Stocks & Shares ISA is a tax-advantaged investment wrapper available to eligible UK residents. Under current UK legislation, income and capital gains generated within the ISA are not subject to UK income tax or capital gains tax.
The Invinitive ISA provides access to a broad range of global investments through a modern, fully digital platform, with transparent pricing and full online control.
2. Key Features, Aims & Risks
Its Aims
Provide a tax-efficient way to invest — income and capital gains within the ISA are not currently subject to UK tax
Give you access to a broad range of global equities, ETFs and funds through a single online platform
Allow you to manage your own investment decisions on an execution-only basis
Provide clear, published pricing with no hidden charges
Enable transfers in from existing ISA providers, including cash and in-specie transfers where supported
Allow existing ISAs to be retained if you move overseas (no new contributions permitted for non-UK residents)
Your Commitment
Risk Factors
The value of investments within the ISA may go up or down. You may get back less than you invest.
Transaction charges (£7.95 per trade) are fixed. Frequent trading or small contributions will reduce the net return on your investment.
You will not receive a recommendation from us regarding your ISA or the investments held within it. We operate on an execution-only basis.
ISA rules, annual allowances and tax treatment may change in the future. The current annual limit of £20,000 is set by HMRC and may be revised.
Non-UK residents cannot make contributions to an ISA. If you move abroad, you lose the ability to add further funds.
Our charges may increase. You will always be notified in writing in advance of any change.
Fees and Charges
| Charge | Amount |
|---|---|
| Platform fee | 0.25% p.a. (capped at £400 per account per year) |
| Dealing charge — UK & US trades | £7.95 per trade |
| Dealing charge — International (excl. US) | £7.95 + 5bps per trade |
| ISA wrapper fee | None |
| Underlying fund charges | Varies — set by fund manager, not Invinitive |
| Transfer out / exit fee | None |
Full details are available in the Costs and Charges document on our Documents page.
Cancellation Rights
You have a 30-day right to cancel your Invinitive ISA from the date you receive your account confirmation. To cancel, contact Invinitive Financial UK Ltd at the details in Section 4.
If funds have already been invested before we receive your cancellation notice, the amount returned may be less than the amount paid in, as investment values may have fallen. Your subscription for the relevant tax year may be lost.
3. Questions & Answers
About the ISA
Subscriptions & Allowances
Transferring
Investments
Withdrawals & Access
4. Useful Information
How to contact us
All written communications must be in English.
Financial Services Compensation Scheme
Invinitive Financial UK Ltd is covered by the FSCS. If we are unable to meet our obligations to you, you may be eligible to claim compensation.
10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU
Telephone: 020 7741 4100
www.fscs.org.ukComplaints
If you wish to complain, please contact our Compliance Officer:
Compliance Officer, Invinitive Financial UK Ltd
128 City Road, London, EC1V 2NX
Tel: 0800 048 8485
s.elliott@invinitive.co.ukUnresolved complaints may be referred to the Financial Ombudsman Service:
Who are we regulated by?
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority (FRN 964301).
Financial Conduct Authority
12 Endeavour Square, London E20 1JN
Invinitive Financial UK Ltd (13086962) is registered in England and Wales with registered office at 128 City Road, London EC1V 2NX.
Important information
This document is provided for information purposes only and does not constitute financial advice. The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and may change. ISA rules and annual subscription limits are set by HMRC and are subject to change. Please read the current Costs and Charges document and ISA Terms and Conditions before proceeding.
IFUL/ISAKF/04102026 — 2026/2027