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Stocks & Shares ISA (S&S ISA)

A stocks & shares ISA is a tax-efficient investment account.

This means you don’t have to pay income tax or capital gains tax on money you earn from your investments made through the ISA, up to a certain limit.

ISA stands for Individual Savings Account. A stocks & shares ISA allows you to invest in a wide range of shares, funds, investment trusts and bonds. It’s important to understand that the value of investments can fall as well as rise and you may not get back what you invest.

We explain how a stocks & shares ISA works and what to consider – to help you decide if it’s a good time for you to invest.

You don’t need to be on Wall Street to invest your money. You can start investing from your kitchen while having a cup of tea. 

To be eligible for a stocks & shares ISA, you must be:

aged 18 or over

a UK resident for tax purposes

Before you invest your money, it’s important to invest some time into learning the basics and understanding the risks. Our new to investing page is a great place to start.

A stocks & shares ISA should be seen as a medium to long-term commitment, meaning you should be prepared to invest for at least 5 years. The value of any investment can fall, as well as rise, so there’s always a risk that you may get back less than what you invest.

Our Services

Terms & Conditions 
Key Features
Costs and Charges

Click here to view our policies and disclaimers prior to opening any type of account with us.

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Apply for an Account

Our Stocks & Shares Individual Savings Account (SSISA) is a flexible savings account that enables you to hold cash and investments inside a tax efficient product.  The Invinitive SSISA account will let you pay in lump sums or start from scratch with a monthly deposit with no minimums.  There are limitations on how much you can pay into your ISA but what you can pay in, will grow free from Tax.

Low Cost

Our super low cost fees are 0.25% on all assets we hold, capped at £400 p.a.  Therefore your annual policy fees will not exceed £400.

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 almost any currency pair, 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

What is a Stocks & Shares ISA Account

ISA stands for Individual Savings Account.  You can think of a stocks and shares ISA as a wrapper that sits around a portfolio of investments. This wrapper means you have no tax to pay on any dividends, growth, interest or income you get from the investments.

If you’re happy to invest for at least 6 years, a stocks and shares ISA could help you beat inflation and build a nest egg for the future.

You can open our Stocks and Shares ISA with a lump sum, or make regular contributions from as little as £20 per month.

You can only open one stocks and shares ISA, with one ISA provider, during a tax year.

Contributing and Flexibility

Your ISA allowance is the most you can save in an ISA in each tax year. For 2021/22, 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
    • UK & European Funds
    • Fixed Interest Assets
    • FX positions

You can easily open and start contributing to a Stocks & Shares ISA today.


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.

Ready to get Started?

Open a new S&S ISA

Open your account through our automated application process and then fund your account with as much as you wish to deploy or set up a Direct Debit to pay one off or regular premiums.

Transfer an Existing Account

If you have an account with another provider you can transfer it to us. Open an account with us then provide us with the details of your existing accounts and we will take care of it from there.

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