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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 - 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 one of Fidelity’s advisers or an authorised financial adviser of your choice.

Award-winning Stocks and Shares ISA

A Stocks and Shares ISA is a tax-efficient way to invest in what matters to you. You can put up to £20,000 in the 2025/26 tax year and pay no income or capital gains tax on your investments. It’s straightforward to open your ISA online. You have until 5 April 2026 to use this year's allowance. 

Whether you’re just starting out, or an experienced investor, we’ve got the tools, guidance, hints and tips to help you make the most of your money and reach your goals.

Start saving today

Invest a lump sum or set up a regular savings plan from as little as £25.

A wealth of choice

Choose from thousands of funds and shares to invest your ISA allowance in.

Expert guidance

Online tools and insights from our teams of experts to help you decide where to put your money.

A trusted provider

With over 50 years’ investing experience, we are trusted by over 1.6 million UK customers*.

A helping hand

Need extra support? Use our 24/7 secure online service and apps or speak to our friendly UK and Ireland-based teams who are available 6 days a week.

Award winning

We're committed to improving our services and making managing your money with us even easier. That’s why we’re proud winners of the Boring Money Best Buy ISA 2024.

*Source: Fidelity, as at 31.12.24

Let’s get started

Open an ISA

It’s easy to open an ISA online. Just enter your details and then choose from a regular savings plan or a one-off payment.

Open a Junior ISA

Start saving for a child’s future by investing in a Stocks and Shares Junior ISA on their behalf.

Top up your ISA​

Already have an ISA or Junior ISA? You have until 5 April 2026 to use this year’s allowance.

Important information - Please note that withdrawals from a Junior ISA will not be possible until the child reaches age 18.

Invest £5,000 or more in our Stocks and Shares ISA online by 31 May 2025 for the chance to win the total amount you invest up to £20,000, plus weekly cash prizes. 

You’ll be automatically entered into the main cash prize draw, plus weekly draws starting from when you invest. So, with a total of 160 weekly prizes up for grabs of £250 each, the sooner you invest the more chances you have to win! T&Cs apply.

Be invested from the start of the tax year

Use your 2025/26 tax allowances and give your money more potential to grow.

ISA Calculator

How much could your savings grow in a Stocks and Shares ISA?

Bring your investments together

Having ISAs spread across multiple companies can be both time-consuming and costly. Bringing them together in one place means less stress and less paperwork. 

It’s easy to do with our straightforward transfer process. Just tell us where they’re currently held and we’ll take care of the rest. 

We don’t charge you to transfer and we’ll even cover any exit fees you may incur, up to a total of £500 per person. T&Cs apply. Find out more about transferring your investments to Fidelity.

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.

Read more about Stocks and Shares ISAs

The current tax year ISA allowance is £20,000 and you have until 5 April 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.

As a third party, you can contribute to an ISA investment account for someone else. Any contributions made to their ISA will come out of their allowance, not yours. Using our online application, you have the option to provide your payment details once the account holder has given consent. 

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).

What happens when an account holder has passed away.

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.

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Important information - 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.