Grow your future with a Moneyfarm ISA

You can start from scratch, or transfer existing ISAs. There’s a team of Investment Consultants to manage your transfer, and experts managing your investments.

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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. Low-cost. Fully-managed. Whether you’re opening your first ISA or you’re a seasoned investor, we select one of our tailor-made portfolios to suit your needs. The Moneyfarm Stocks and Shares ISA allows you to grow your medium-term savings tax-free, with the flexibility to withdraw or transfer funds whenever you want.

A Moneyfarm Stocks & Shares ISA considers your savings goals, appetite for risk and other key factors in order to build out a portfolio that works for your time horizon.

Benefits of our Stocks & Shares ISA

Save on taxes

Contribute up to £20,000 this tax year without paying income or capital gains tax.

Added flexibility

Withdraw any time, without additional fees.

More bang for your buck

Increase your chances for higher returns when compared to cash ISAs. Remember that investing comes with risks.

Less hassle

Start an ISA in less than 10 minutes, and let us do the rest.

Low fees

Invest in low-cost, efficient exchange-traded funds.

Made for you

Get a custom portfolio designed around your savings goals.

No transfer fees

Rest assured: Moneyfarm will never charge you an ISA transfer fee.

Full transparency

See where you’re invested, how you’re performing and how much you’re paying— anywhere, any time.

Expert management

Have our experts watch the market for you—building, managing and rebalancing your portfolio so you don’t have to.

* This refers to our management fee. When investing you’ll always pay an underlying fund cost. We work hard to keep this low and it currently averages 0.3%.

How much will your Moneyfarm ISA cost?

Use the slider to see how our fees compare to other wealth managers. We keep costs low, so you keep more of your returns.

Learn more about our fees

Transfer your existing ISAs

Whether you’re experienced with equity, but would like us to do it for you, or you’re new to investing, and you’re looking for some regulated advice, Moneyfarm are here to help

Sign up to MoneyFarm and select an ISA account. Download and complete our ISA transfer form. We’ll run the whole process for you. We’ll talk your existing provider, get your account closed, and move your ISA over to your Moneyfarm account, all whilst ensuring you keep your existing tax benefit.

Make your investment hands-free and your cash work a little harder.

ISA Transfer

Learn more about stocks and shares ISAs

What is an ISA?
An Individual Savings Account (ISA) is a form of investment created by the UK government that gives you a tax-free allowance. There are two main types of ISAs: Cash ISAs and Stocks and Shares ISAs. You can only pay into one Stocks and Shares ISA and one Cash ISA in each tax year, but you can open a new ISA with a different provider each year if you want to.
How much is the ISA allowance?
Every tax year runs from 6 April until 5 April of the following year. The government can change the ISA allowance every year.

This tax year you are allowed to put up to £20,000 into your ISA.

Current Tax Year (2017/2018) — £20,000
Previous Tax Year (2016/2017) — £15,240
Earlier Tax Year (2015/2016) – £15,000

You can pay your whole allowance of £20,000 into a Stocks and shares ISA, a Cash ISA, or a combination of these. So 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 or ad hoc contributions throughout the tax year.

Your yearly ISA allowance expires at the end of the tax year and any unused allowance will be lost. It can’t be rolled over to the following year.

With MoneyFarm you can invest more than the ISA allowance but any investments outside the ISA allowance will not be sheltered from tax.
Can I withdraw from my ISA?
You can take money out of your Moneyfarm ISA whenever you want. When you do this it will not impact your ISA allowance from that tax year. From 6th April 2016 you can take money out of a Cash ISA or a Stocks and Shares ISA and put it back in without losing that part of your allowance, provided you put it back in the same tax year.
What are the requisites to open an ISA?
To open a Stocks and 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 an ISA?
Any gains made by selling investments within your Stocks and Shares ISA are not subject to capital gains tax. Any losses made on your investments in your Stocks and Shares ISAs can’t be used to offset capital gains on your other investments. Remember, there is an annual Capital Gains Tax exemption amount (£11,300 for the 2017/18 tax year) which you can claim on your annual tax return. If you’re likely to make capital gains of more than this, you’ll benefit from using an ISA. Investments that pay interest (e.g. government and corporate bonds), or rental income (such as some property funds) provide 100% tax-free income if held within an ISA and therefore offer tax benefits for everyone. Outside of an ISA, you don’t pay tax on the first £5,000 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. Dividends that fall within your personal allowance don’t count towards your £5,000 allowance. The tax treatment of a Moneyfarm Stocks and Shares ISA depends on your individual circumstances and may be subject to change in the future.
Do you offer a Cash ISA?
No, we currently only offer a Stocks and Shares ISA. We are an investment manager so will be primarily focus our work on providing the best possible Stocks and Shares ISA to our customers.
Do you offer a help-to-buy ISA?
No, the help-to-buy ISA is currently a Cash ISA, not a Stocks and Shares ISA. The government has said that help-to-buy ISAs will be made available through banks and building societies. Despite this we are reviewing all regulations surrounding the help-to-buy ISA scheme in detail and will let you know if anything changes.
Do you offer a Junior ISA?
No, not at this current time. We hope to bring a junior ISA to our customers in the near future but for now we do not offer this type of account. Please keep an eye on our mailings for indication to when we will be releasing the Junior ISA.