Stocks and Shares ISA
Be invested in making the most of your money. Use as much of your £20,000 ISA allowance as you can before 5 April.
Important information - investment values can go down as well as up, so you may get back less than you invest. ISA eligibility and tax treatment depends on individual circumstances and tax rules may change. This is not a personal recommendation for a specific investment. If you're not sure which investments are suitable for you, consult Fidelity’s advisers or another authorised financial adviser.
- A tax-efficient way for you to save up to £20,000 every tax year
- You won't pay any tax on any returns or on any income you take
- Start from as little as £25 a month or from £1,000 as a lump sum
- Tools and guidance to help you invest your money, and expert commentary to keep you informed
- Funds from popular providers, including Fidelity funds, M&G, Fundsmith, Vanguard and many more
- Own shares in companies in the UK, Europe and the US - from Apple to Zoom
- Over 50 years' investment experience, serving over 1.7 million UK investors*
Source: Fidelity, as at 30.09.25
How to enter your employer code
Setting up employee compliance reporting takes only a few moments - just ask your employer’s compliance team for their Fidelity ‘employer code’, and then follow these simple steps.
1 Log in
Once you have your code, log in with your username and password
2 Open your Preference Centre
It takes just two clicks:
- Click on Profile in the main menu
- Click on Preference Centre
- Select Employee compliance reporting
3 Enter your employer code
- Make sure you’ve got your Fidelity compliance reporting code from your employer
- Enter your employer code in the box and hit Register
4 Provide consent
Give us your consent by clicking ‘I accept’, and you’re done - we can now take care of the admin and send your trading details to your employer automatically so you don’t have to
Our ISA fees and charges
Service fee rate
0.35%typically £3.50 for every £1,000 invested*
Larger portfolios*
0.2%and qualify for our Wealth Management Service
Buy and sell shares
£7.50for share deals placed online
*0.35% service fee applies if you have a regular savings plan or have more than £25,000 invested. Otherwise, a £7.50 per month service fee applies. There will also be investment charges set by the companies and funds you’re investing into which sit outside of our service and dealing fees. 0.2% service fee applies to accounts with over £250,000 invested, and applies to the total value of your investments.
How do you want to invest?
When you open your ISA you'll also need to choose your investments. Your money isn’t invested until you do. Whether you're looking for a few ideas, a list of our favourite funds or everything on our platform, we've got the tools to help you decide.
Ready-made ISA
Research your own investments
Important information - these tools are not a personal recommendation for a specific investment. You must ensure that the fund you choose is suitable for your individual circumstances and remains so over time. Seek advice if you're unsure.
Our Stocks & Shares ISA charges summary
Our service fee
The service fee is based on the total amount of money you have with us:
- Less than £25,000 - 0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don't
- £25,000 or more but less than £250,000 - 0.35%
- £250,000 or more but less than £1 million - 0.2%
- £1 million+ - 0.2% a year for the first £1 million and no service fee for investments over £1 million. This means the maximum fee you will ever pay for all of your personal accounts is £2,000 a year.
There will also be investment charges set by the companies and funds you’re investing into, which sit outside of our service and dealing fees.
Our share dealing charges
There is a charge made for each buy and sell transaction you place (including switches and dividend reinvestments). This will be deducted from the amount invested or raised through a sale.
- £7.50 - Simple charge for each deal placed online
- £1.50 - for deals as part of a regular savings or withdrawal plan, or for a reinvestment of income or a dividend
- £30 - for each deal made by phone
Stamp Duty can apply to shares. Levies, taxes and foreign exchange charges may also apply to certain transactions. See our Charges in detail page for a full breakdown of our fees and charges.
ISA FAQs
A stocks and shares ISA (or investment ISA) is an account that allows you to invest in a wide range of investments such as individual shares, exchange-traded funds, bonds and investment trusts. You can invest up to the current ISA annual allowance with the benefit of not needing to pay tax on your investment gains. Please note we do not sell individual bonds.
The 2025/26 ISA allowance is £20,000 and you have until 5 April 2026 to use it. Unfortunately, if you do not use all your ISA allowance in one year, you’re not able to carry this allowance over to the next year. That’s why it’s important to make the most of each year’s tax allowance where possible. Please note the annual ISA allowance may change in the future. The government decides what the allowance will be.
Find out more about the ISA allowance
You can start a regular savings plan from as little as £25 or make a lump sum payment with a minimum of £1,000. Once your account is open, you can put in as little or as much as you’d like, as long as it doesn’t exceed the £20,000 yearly ISA allowance limit.
The tax benefits of the ISA continue during the administration of your estate or the third anniversary of your date of death if sooner. Once probate is granted, your personal representative can distribute your investments to the beneficiary or beneficiaries. If eligible, your spouse (or civil partner) would be entitled to an additional allowance based on the value of your ISA. This is known as an Additional Permitted Subscription (APS).
No, if you are unsure where to invest, your money will be held as cash in your account until you are ready. If you are unsure where to invest, speak to one of Fidelity's advisers or an authorised financial adviser of your choice.
The income generated by investments in a stocks and shares ISA can either be paid out directly to you, reinvested back into the investment it has come from or held as cash in your account. However, there are some investment types that will only have the option to reinvest so it is important to understand what your preference is before choosing investments.
You can hold as many stocks and shares ISAs as you like across different providers.
