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Stocks & Shares ISAs explained

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. Tax treatment depends on individual 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 an authorised financial adviser.


Whatever your level of investing experience, we understand there are plenty of questions you may need the answers to before making decisions. If you’re thinking about saving into a Stocks and Shares ISA, this list of FAQs can help you to understand how they work, how to open one with us, managing your ISA and more.

How does a stocks and shares ISA work?
Why is an ISA tax efficient?
Who is eligible for a stocks and shares ISA?

Opening a stocks and shares ISA

How do I open a stocks and shares ISA with Fidelity?
What is the deadline for opening an ISA in the tax year 2022/23?
What is the minimum amount needed to open an ISA?
How many ISAs can I have?
Can I contribute to an ISA for someone else?
Do I have to go through an adviser to invest on your platform?

Paying into a stocks and shares ISA

What is the 2022/23 ISA allowance?
How can I pay into a stocks and shares ISA?
Can I set up a direct debit or regular payment plan?
Do I have to put my money straight into investments?
Is there an incentive to invest bulk lump sums e.g. over £10,000?

Managing a stocks and shares ISA

Where can I invest my money and how do I choose my investments?
Can I hold investments from different fund managers within one ISA?
What happens to any income from a stocks and shares ISA?
What happens to my ISA if I die?
Can I withdraw money out of a stocks and shares ISA?

Transferring a stocks and shares ISA

How do I transfer an ISA?
Can I transfer a stocks and shares ISA from a different provider?
Can a stocks and shares ISA be transferred to a cash ISA?
Can you transfer a cash ISA to a stocks and shares ISA?
Can I transfer my ISA into a SIPP?
What are Fidelity's ISA transfer rules?
When can I transfer my ISA?
How long does an ISA transfer take?
Can you transfer an ISA to another person?

Stocks and Shares ISA fees and charges

What are the charges and ongoing fees for a Fidelity Stocks and Shares ISA?
How and when will I be charged?

Getting started with a Fidelity ISA

Begin saving today

Take a look at why our award-winning Stocks and Shares ISA might be just what you’re looking for. If you like the sound of it, you can open an account too.

Transfer ISAs to us

It helps to have all your investments under one roof. We make it simple to start your transfer and bring your ISAs together.