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An ISA is a tax free savings account, which stands for individual savings account (ISA).

Every tax year you have an ISA allowance in the UK that lets you save or invest money up to a certain amount without paying tax on your returns. Your ISA allowance for the 2025/26 tax year is £20,000. The tax year runs from the 6th April to the 5th April the following year. This means you have until the 5th April 2026 to use up your ISA allowance for this tax year. When a new tax year starts you will have a brand new ISA allowance. This happens on the first day of every new tax year.

If you do not use all of your ISA allowance before the end of the tax year it will be gone. You cannot carry forward any unused ISA allowance from one year to the next.

Low Cost

Our super low cost fees are 0.25% on all assets we hold, capped at £400 p.a.

Asset Range

Access to an array of global markets covering a vast range of Equities, ETFs, Funds and Fixed Interest Assets.

Foreign Currency

Your account will let you exchange between GBP/EUR/USD, allowing you to invest in foreign currency assets.

Trading

Live Pricing with immediate market access at a fixed cost of £7.95 per transaction, including FX.

Simplicity

Whether an active or a buy and hold trader, our platform has been designed for both professionals and novices.

Automation

No paperwork, no scanning and uploading, fully automated for an enhanced client experience.

Our Super Simple Fees

AUM

0.25%

capped at £400 per annum

Trading

£7.95

fixed for all online trades & fx

Contributing and Flexibility

Your ISA allowance is the most you can save in an ISA in each tax year. For 2025/26, the allowance is £20,000. 

You can split your allowance across the different types of ISA. For example, you could save some in a stocks and shares ISA and invest some in a cash or lifetime ISA.

But.. you can only have one ISA in each category, so if you already have a stocks and shares ISA with another provider, you can easily transfer it to Invinitive and manage it here.

You can withdraw money from your ISA at any time penalty free should you need it.

Investment Options

The Invinitive Individual Savings Account range provides you access to multiple markets.  Through your account you can choose from thousands of assets including:

  • UK, US and European Stocks
  • UK, US and European currency denominated ETF’s
  • Mutual Funds
  • Bonds
  • You can also hold USD, EUR and/or GBP in cash

Lifetime ISA

A Lifetime ISA is an ISA with a difference – it’s there to help you buy your first home or to perhaps save for retirement

Stocks & Shares ISA

A stocks and shares ISA, invests in markets, so has the ‘potential’ for greater growth than cash accounts over the long term.

Junior ISA

We offer both the LISA and the SSISA for anyone under the age of 18, getting them on the financial ladder quicker than normal.

The value of your investments and the income from them can go down as well as up, you may get back less than you invest.  Tax treatment depends on individual circumstances and all tax rules may change in the future.  None of the above information should be construed as a personal recommendation or advice.  If you are unsure about the suitability of an investment or pension product you should speak to an authorised independent financial adviser.

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