Looking to top up your ISA?
Take advantage of your £20,000 tax-free ISA allowance before 5 April 2026
Important information - please keep in mind that the value of investments can go down as well as up, so you may get back less than you invest. Eligibility to invest in an ISA and tax treatment depends on personal circumstances and all tax rules may change in the future. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity's advisers or an authorised financial adviser of your choice.
- It’s easy to top up your Stocks and Shares ISA online.
- Invest up to £20,000 in the 2025/26 tax year, free from Income Tax or Capital Gains Tax.
- Use this year’s allowance before 6 April 2026.
Topping up your ISA before the tax year ends means you can take advantage of your annual allowance before it runs out.
There’s a wide range of investments to choose from, including funds from popular providers or shares in UK, European and US companies.
Making regular contributions is a great way to potentially grow your money over time. This can help support your longer-term goals, like a comfortable retirement or a financial cushion for life’s unexpected moments.
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
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.
