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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 2023/24 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 2024 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.


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


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


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

Our Super Simple Fees



capped at £400 per annum



fixed for all online trades & fx

Stocks & Shares ISA v Lifetime ISA

Invinitive also offers the Lifetime ISA.  We have provided a quick comparison of one of the main features of a Lifetime ISA compared to a Stocks and Shares ISA:

For every £1 invested in a Lifetime ISA, the government pays a bonus of £0.25. Since up to £4,000 can be paid into a Lifetime ISA each tax year, this means that a £1,000 annual bonus could be available. With this on offer over a 33-year time period (the government bonus is paid from age 18 until an individual reaches 50 years old – at which point no further contributions can be made into a Lifetime ISA), there is an additional £33,000 in bonuses on offer.

By contrast, a Stocks and Shares ISA doesn’t have a government bonus. As such, an investor who’s between the ages of 18 and 39 (and is therefore eligible for a Lifetime ISA) may wish to pay their first £4,000 per year into a Lifetime ISA before contributing to a Stocks and Shares ISA. Doing so could provide them with up to £33,000 in bonuses over their lifetime.


The impact of the government bonus on an individual’s financial prospects could be significant. For example, an individual who has £4,000 to invest in the FTSE 250 each year and does so between the ages of 18 and 50 could have a nest egg of £2.1m by the time they are aged 60. This assumes they obtain an annualised total return of 9% (which is in line with the FTSE 250’s total returns in the last 20 years), and they don’t make any withdrawals until they’re aged 60.

By contrast, investing £4,000 per year in a Stocks and Shares ISA between the ages of 18 and 50 would produce a nest egg of £1.7m by the age of 60. As such, while an additional £1,000 per year in government bonuses may not seem to be all that significant, the impact of compounding over a long time period could mean it has a major impact on your financial position.

Of course, a Lifetime ISA is more restrictive than a Stocks and Shares ISA. As mentioned, contributions to the former cannot be made after age 50, while withdrawals are subject to a 25% penalty if undertaken before age 60, or used for any purpose other than the purchase of a first home. As such, a Stocks and Shares ISA is worth having in case capital is required before you retire.

However, a Lifetime ISA could offer significantly greater returns in the long run. As such, it may be worth maximising your Lifetime ISA allowance in order to obtain the government bonus, and using a Stocks and Shares ISA for any additional capital that’s available to be invested in the stock market.

Contributing and Flexibility

Your ISA allowance is the most you can save in an ISA in each tax year. For 2023/24, the allowance is £20,000. Some non-ISA savings accounts let you save up to £5 million every year.

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 lifetime ISA.

But.. you can only have one ISA in each catagory, so if you already have a stocks and shares or lifetime 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 and as our ISAs are flexible you can re-contribute the same amount without it affecting your annual allowance.

Investment Options

The Invinitive Individual Savings Account range provides you access to over 20 markets.  Through your account you can choose from thousands of assets including:

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

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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