Home Services Stocks and Shares ISA

Stocks and Shares ISA

Make the most of saving for tomorrow by investing in a Stocks and Shares ISA with Fidelity.

What is an ISA?

  • A tax-efficient way to save your money and pay no income tax or capital gains tax on your returns
  • The annual ISA allowance for the 2018/19 tax year is £20,000, and you have until 5 April 2019 to take advantage of it
  • With a Stocks and Shares ISA (Investment ISA) you can invest your allowance with the intention of beating the rate of interest you’d get if you kept it as cash.

Our Stocks and Shares ISA

  • Choose from thousands of funds, shares, exchange-traded funds (ETFs) or investment trusts. Save money with our discounts on hundreds of funds.
  • Manage your investments 24/7 using our secure online service.
  • Get instant access to our investment expertise, market insights and planning tools. And our freephone UK and Ireland call centres are open from Monday to Saturday.

Whether you’re saving for a special day, investing in your child’s future or building up a nest egg, we’ll help you to open your ISA with as little or as much guidance as you need.

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It’s important to keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future.

Opening an ISA

I want to open a new ISA

Takes less than 10 minutes

  • Enter your details
  • Start a regular savings plan from £50
  • Or make a payment of at least £1,000

I want to transfer my ISA

Instruct your transfer in minutes

  • Enter details of your current provider
  • We do the rest and we will let you know when the transfer is complete

You can start investing once your account is open, but if you like you can choose your investments first and then open your account.

Why choose Fidelity

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Trusted

With more than 50 years’ experience we’ve already earned the trust of over one million UK investors.

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Easy

Start investing in just a few steps, with 24/7 online access from your computer, tablet or phone.

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Clear

Enjoy low costs, no initial charges and no additional fees to switch or exit.

ISA FAQs

What is a stocks and shares ISA?
What is the 2018/19 ISA allowance?
What is the minimum amount needed to open an ISA?
Can I contribute to an ISA for someone else?
What happens to my ISA if I die?

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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.

A clear approach to fees

We believe in giving you great value, so we charge an annual service fee, payable monthly, based on the value of all your investments. And did we mention all the award-winning guidance, on-the-go access and support with investing you get? That’s all included in our service fee.

We add all your accounts together before we work out which fee band you’re in, meaning we’ll charge you the lowest rate.

  • The portion of the fee you pay on exchange-traded investments (shares, exchange-traded funds (ETFs), bonds, etc.) is capped at £45.
  • However, you do not pay a service fee on exchange-traded investments held in an Investment Account.

The table below shows how this fee changes as your investments increase. To see this in more detail please read the Doing Business with Fidelity document.

In addition to our service fee, there may also be charges set by the company managing your funds, and there will be additional charges for any share dealing you engage in. For more details, please read the Fidelity pricing guide or visit our main fees and charges page.

Total value of investmentsService fee (annual amount or rate)
Less than £7,5000.35% if you have a regular savings plan or £45 if you don't
Less than £7,500, held in a Junior ISA/SIPP0.35% if you have a regular savings plan or £25 if you don't
£7,500 or more but less than £250,0000.35%
£250,000 or more but less than £1 million0.20%
£1 million+0.20% 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.

The same service fee is charged across all of your investments. So, if you hold £300,000 - the fee would be 0.20% across the full amount, and not 0.35% on investments under £250,000 and then 0.20% a year on the remaining £50,000. For exchange-traded instruments including investment trusts, this is capped at £45. There is no service fee for these investments held in the Fidelity Investment Account.

How and when we take our fee

We calculate the service fee at midnight on the first of every month and deduct it around the 15th of the following month.

We include any joint accounts when we’re adding up all your investments to work out what service fee rate you pay, ensuring the lowest possible charge.

The total value is then divided by 12 to determine the monthly amount that’s taken from your individual account.

We’ll take the service fee directly from your cash account, so we recommend always having cash in that account. If you don’t have enough, we’ll take it from your largest investment by value and by asset class – for example we will take the fee from the largest fund before we take it from an exchange-traded fund or investment trust.

Putting it into practice

Here are some scenarios, for illustrative purposes only, that show how we would calculate what you would be charged. If you have less than £7,500 in total there will be a flat fee of £45 a year (£25 for Junior ISA and Junior SIPP), although this changes to 0.35% if you have a monthly regular savings plan (RSP). We will usually collect this fee in arrears in monthly instalments of £3.75 (or £2.08 for Junior ISA and Junior SIPP).

Example of what you could pay
Amount investedAnnual service fees with monthly RSPAnnual service fees without monthly RSP
£5,000£17.50 (0.35%)£45 (flat fee)
£7,499£26.24 (0.35%)£45 (flat fee)
£7,500 £26.25 (0.35%)
£12,500 £43.75 (0.35%)
£20,000 £70.00 (0.35%)
£55,000 £192.50 (0.35%)
£249,999 £874.99 (0.35%)
£250,000 £500.00 (0.2%)

Fidelity fees on multi-linked accounts

The fees mentioned above are for investments held directly with Fidelity.

If you hold some investments through a financial adviser, then the charges will be different from the ones you hold directly with us.

We suggest you speak with your financial adviser to find out more about what charges and fees will be applied.

Read the guide

Find out more about our fees and charges

Download our Fidelity Pricing Guide
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These guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to a financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.