Stocks & Shares ISA by Moneyfarm

Moneyfarm’s cost-efficient investment advice on your fully-managed Stocks & Shares ISA is the key to unlocking your financial future.

Your capital is at risk. Investments can go down as well as up and you may get back less than you originally invested. Read more on understanding the risks

The Moneyfarm Stocks & Shares ISA

Flexible, tax-efficient and fully managed, the Moneyfarm Stocks & Shares ISA helps you reach your financial goals.

Whether you’re new to investing or a seasoned pro, our cost-efficient investment advice matches you with one of Moneyfarm’s investment portfolios that are built and managed by our investment team to reflect your investor profile.

The Moneyfarm ISA could be the key to helping you unlock your family’s future.

What are the benefits of the Moneyfarm ISA?


Invest up to £20,000 each tax year and your money can grow tax free. The more money you keep invested, the closer you get to your goals

Investment advice

Our cost-efficient investment advice means you’ll always be invested in a portfolio that’s suitable for you, for as long as you invest with us

Fully managed

Our investment experts build and manage your portfolio to help your money grow – all you have to do is pick when and how much to invest

Transfer for free

You shouldn’t feel trapped by your ISA provider, which is why Moneyfarm never charges a transfer fee. We’ll also do the hard work for you

Full transparency

See what you’re invested in, how you’re performing and how much you’re paying. Do it anywhere and any time with the Moneyfarm app

Simple and flexible

Set up a Stocks & Shares ISA in 10 minutes and track your investments from your phone wherever and whenever. Moneyfarm manages your investments, but you’re in control

How does the Moneyfarm Stocks & Shares ISA work?

Discover your investor profile

Answer questions about your goals, financial situation and attitude to risk, to discover your investor profile

Match with the right portfolio

We’ll recommend the right ISA portfolio for you, built and managed by our experts to help your money grow

Add funds to your ISA account

Add money to your ISA by setting up a direct debit or investing a lump-sum. You can even transfer old ISAs for free

Receive ongoing investment advice

You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre

How much will your Moneyfarm ISA cost?

We keep costs simple and only charge you one fee at an account level; our management fee. That means there’s no extra cost for transferring your ISA, rebalancing or withdrawing your money.

The total cost of investing includes two further costs, the transaction cost (market spread) and underlying fund fee.

Learn more about our fees

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How to transfer your ISA to Moneyfarm

Transferring to Moneyfarm is simple and free. All you need to do is log-in to your Moneyfarm account, and fill in the transfer details – we’ll do the rest on your behalf.
That includes talking to your existing provider, getting your account closed, and moving your old ISA over to your Moneyfarm ISA account.

It typically takes between 15-30 days to transfer, although this is up to your provider. It’s really important you transfer your ISA properly, and don’t try and move the money yourself. You’ll lose all your allowance and tax benefits once you remove your money from your tax wrapper.

If you’ve got any questions about transferring your ISA, get in touch with our investment advisers.

Learn more on ISA transfers

Start a Stocks and Shares ISA

Get one step closer to your financial goals with the simple and low-cost Moneyfarm ISA.

We’re here to guide you

Our investment advisers are here to talk you through every part of your investment journey – whether you have questions about your account, your performance or the the decision-making behind the latest rebalancing.

Technology makes our investment advice cost-efficient; our investment advisers make our service work for you.

0800 433 4574

Stocks & shares ISA FAQs

It’s important you understand all the options available to you to make the right decisions with your ISA investments.

Here you can find some answers to the most frequently asked questions, our you can read more on our ISA FAQ section.

Read our ISA FAQs

What is a stocks & shares ISA?

The Individual Savings Account, or ISA for short, helps savers and investors grow their money in a simple and tax-efficient way. The main benefit of an ISA is that you can grow your money tax-free. Stocks & shares ISAs are a simple and tax-efficient way to grow your money over the long-term. You can invest up to £20,000 in your stocks & shares ISA each financial year, and any growth in the value of your money and any income can build up protected within your tax-free wrapper. You usually have to pay capital gains tax on any profit you make on your investments above your annual allowance. This is £12,000 for the 2019/20 tax year. If you invest your money in an ISA, you won’t need to pay a thing in capital gains or dividend tax. Making the most of the tax benefits available to you is crucial for maximising your returns over the long-term. The tax benefits of an ISA are subject to change in the future. You can learn more about ISAs on our blog

How much is the ISA allowance?

The tax year runs from 6 April until 5 April the following year, when the ISA allowance automatically refreshes. The government has the power to change the ISA allowance each year if it wishes.

This tax year you can put up to £20,000 in your ISA.

Tax year 2019/20 – £20,000
Tax year 2018/19 – £20,000
Tax year 2017/18 – £20,000
Tax year 2016/17 – £15,240
Tax year 2015/16 – £15,000.

You can pay your whole allowance of £20,000 into a stocks and shares ISA, a cash ISA, or a combination of the two. Even if you have a cash ISA elsewhere, you can still open a Stocks and Shares ISA with Moneyfarm. You can choose between making a lump sum investment, and/or making regular contributions throughout the tax year. The ISA is flexible to suit you. Your annual ISA allowance expires at the end of the tax year and any unused allowance will be lost. It’s a case of ‘use it or lose it’, as your allowance can’t be rolled into the next year. With Moneyfarm, you can invest more than the ISA allowance, but any investments outside the wrapper threshold won’t be sheltered from tax.

Can I withdraw from my stocks & shares ISA?

You can withdraw money from your ISA whenever you need to, without it impacting your ISA allowance from that tax year. Moneyfarm does not charge you to withdraw from your ISA, as we know how important it is that you have flexible access to your investments. However, the longer you can keep your money invested, the more you can expect your money to grow to help you have a more financially secure future.

What are the requisites to open a stocks & shares ISA?

To open a Stocks & Shares ISA you must be at least 18 years old and must be a UK resident for tax purposes.

What are the tax benefits of a stocks & shares ISA?

ISAs have generous tax benefits that can help you maximise your investment returns. When you invest in an ISA, you’re not charged Capital Gains Tax (CGT) on any profit you make when you sell your investments. Everyone has an annual CGT exemption allowance of £12,000 in the 2019/20 financial year. You’ll be charged CGT on any profit made above this annual allowance if you didn’t invest in an ISA. Any losses made on your investments in your stocks & shares ISAs can’t be used to offset capital gains on your other investments. ISAs also protect any income from your investments in your tax-free wrapper. Outside of an ISA, you don’t pay tax on the first £2,000 of dividends you get in the tax year. Above this allowance, you pay tax of 7.5-38.1%, depending on your income tax band. If you invest in an ISA, you don’t pay a thing. The tax treatment of a Moneyfarm Stocks & Shares ISA depends on your individual circumstances and may be subject to change in the future.

Why is a stocks & shares ISA important?

A stocks and shares ISA helps protect your money from inflation and grow it for the family milestones ahead of you. On top of this, any money is protected in a tax-free wrapper. A stocks & shares ISA is often used for goals five years away, or more. As markets move up as well as down, there’s an opportunity to grow your money, and often this can help to protect you from inflation risk. At Moneyfarm we build portfolios with a diverse range of assets based on your investor profile and time horizon to ensure you’re comfortable with any losses, whilst also aiming to deliver long-term returns.

Do you offer a Cash ISA?

No, we currently only offer a Stocks & Shares ISA, Pension and General Investment Account. We are an investment manager and our primary focus is on providing cost-efficient investment advice with a discretionary service.

Do you offer a help-to-buy or lifetime ISA?

No, we do not offer the Help-to-Buy or Lifetime ISA.

Do you offer a Junior ISA?

No, we do not currently offer a Junior ISA (JISA).

Start a Stocks and Shares ISA

Cost-efficient investment advice and fully-managed portfolios to help you reach your goals, with an investment adviser at the end of the phone.