Invest in the Moneyfarm
Stocks and Shares ISA

Moneyfarm’s cost-efficient investment advice on your fully-managed 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 ISA

Flexible, tax-efficient and fully managed, the Moneyfarm Stocks and 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 an investment portfolio that’s built and managed by a team of experts 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?

Tax-efficient

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 an ISA in 10 minutes and get your money out in five working days. Moneyfarm manages your investments, but you’re in control

How does the Moneyfarm Stocks and 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

What our customers think

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 Consultants.

Learn more on ISA transfers

Start an 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 Consultants 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 Consultants make our service work for you.

0800 433 4574

hello@moneyfarm.com

What is an ISA?

The Individual Savings Account, or ISA for short, helps savers and investors grow their money in a simple and tax-efficient way, over time.

The main benefit of an ISA is that you can grow your money tax-free. When you invest in a stocks and shares ISA, you won’t pay tax on your profit if your investment portfolio increases in value.

Keeping more of your money invested in the right portfolio can help you reach your financial goals quicker.

You can learn more about ISAs on our blog.

What is an ISA allowance?

The ISA allowance is £20,000. This means you can put up to £20,000 in your ISA each year, and any income or growth in the value of your investment will be protected from tax.

You don’t have to use all of your £20,000 ISA allowance, just what you’re comfortable with. It’s important to remember that you can’t roll your allowance into the next year, so use it or lose it.

You can spread your £20,000 allowance between the different ISAs, however you can only open one of each in a single tax year. The 2018/19 financial year runs from 6 April 2018 to 5 April 2019, don’t miss out!

You don’t have to use all of your £20,000 ISA allowance, just what you’re comfortable with.

When should you use your allowance?

The earlier you start investing in a stocks and shares ISA, the longer your money can stay invested and benefit from market movements. This means you have longer to benefit from tax-free returns.

The longer you have, the more risk you can take with your investments. This means you can expect higher returns – although investments can go down as well as up. A longer time horizon will give your money longer to recover.

Don’t worry, you don’t need to invest it all at once! Adopting a little and often strategy can actually help smooth out fluctuations in an asset price, bringing down the average price you pay for your investments.

Find out more about the ISA allowance and when you should use it in our blog.

Why is a stocks and 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.

Both the cash ISA and stocks and shares ISA play an important role in financial planning, but they cater to different goals. Cash savings aren’t exposed to short-term fluctuations on the stock market, so can work well for shorter-term goals.

A stocks and 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.

ISA FAQs

What is a stocks and shares ISA?

A stocks and shares ISA is a simple and tax-efficient way to grow your money over the long-term. You can invest up to £20,000 in your stocks and 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 £11,700 for the 2018/29 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.

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 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 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 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?

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 £11,700 in the 2018/19 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 and 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 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, 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).

Can I transfer existing ISAs with other providers to the MoneyFarm ISA?

Yes, you can transfer existing ISAs from other providers by simply completing a Moneyfarm ISA transfer form and returning it to us. This form is provided to you once you’ve created an ISA portfolio using the ISA transfer option, or if you already have an ISA with us you can access the form inside your ISA portfolio under the actions section. To start the process, return the completed form to us and we will then contact your existing ISA provider to arrange the transfer. It will be possible to transfer both Cash ISAs and Stocks & Shares ISAs to Moneyfarm, however we will always hold your investments in a Stocks & Shares ISA. We do not currently offer a Cash ISA. Any Stocks and Shares ISA that is transferred won’t hold the same investments as before. We instruct the current ISA manager to sell the investments and transfer the ISA as cash for us to invest. This preserves your ISA’s tax-efficient status and allows us to manage it in the most appropriate way for your goals, timeframe and attitude to risk. This process usually takes 15-30 days, but depends on your ISA provider.

If I transfer an ISA will it count towards my ISA allowance?

ISA transfers don’t count towards your annual ISA allowance. An ISA transfer doesn’t count as a new ISA subscription, so if you’re transferring ISAs from previous tax years, this has no impact on your ISA allowance for the current tax year. Once you start investing in your ISA in the new financial year, this will count towards your annual ISA allowance.

How much of my ISA can I transfer?

It’s possible to transfer all or part of your ISA from previous years to a different provider. However, if you want to transfer money you’ve invested in an ISA during the current year, you must transfer all of it.

How long does it take to transfer an ISA?

Once your Moneyfarm ISA transfer form is received, we’ll work with your current provider to transfer your ISA to Moneyfarm safely and securely. This normally takes between 15 and 30 days, but depends on your current provider.

When can I transfer my ISA?

You can transfer an ISA at any time, and you can transfer as often as you like. Remember, if you have saved into a fixed rate Cash ISA there may be a penalty if you transfer before the end of the fixed term. Whilst Moneyfarm doesn’t charge you to transfer to or away from Moneyfarm, other providers may, so make sure you’re aware of all costs and charges before you start.

How do I transfer my ISA investments to another manager?

To transfer your money away from Moneyfarm, please contact the provider you wish to transfer to. They should arrange the transfer of your funds on your behalf. Please note that we can’t transfer your investments ‘in specie’, but can only transfer your assets as cash. To allow for this, all your assets will be liquidated within 7 days of receiving your transfer request. We won’t charge you a thing to transfer away from Moneyfarm or to close your account, but your new provider may, so please be aware of all fees you will be required to pay before you start.

Where can I find the ISA transfer form?

The ISA transfer form is provided to you once you have created an ISA portfolio using the ISA transfer option. This will be pre-populated with the information you provide to us. If you already have an ISA with us you can access the form inside your ISA portfolio under the ‘Actions’ section.

Start an ISA

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