An ISA is a tax-efficient place in which to hold your preferred mix of cash and investments - such as equities, bonds and funds. An Interactive Investor ISA Account ensures you can take full advantage of these benefits by giving you the flexibility and control to make sure it's a perfect fit for your financial goals. It's a great way to invest in your future. Find out more about ISAs
Flexbility at your finger tips. Read our guide to help you find the best ISA for you.
Our ISA Account - the Interactive Investor promise
- Efficient, easy-to-use and reliable online account with iOS© and Android© apps.
- Fair, clear and straightforward charges - so you know exactly where you are
- Friendly, helpful and jargon-free service - we speak your language
- Guides, information and ideas - helping you become a better investor
Investment ideas to kickstart your ISA
Looking for inspiration? Our investment ideas section will give you ideas to act on.
Consider our selection of model portfolios, which you can use to research further or to buy.
Get tips and ideas from our investment experts, review performance tables and use our investment tools to help you decide.
Shares ISAs aren't for everyone - so we want to help you to make the right investment choices for you:
|Good for||Not so good for|
You can have a Shares ISA as well as a Cash ISA if you haven’t used your full Cash ISA allowance.
ISA limits and allowances
|Available to UK residents
||16+||18+||Born on or after 3 January 2011*
|Annual ISA limits: 2014/2015
||Up to £15,000 in total, any combination
||Up to £4,000 in total, in any combination
||Up to £15,420 in total, any combination||Up to £4,080 in total, in any combination|
||Y - Interest paid gross
||Y - Net of 10% dividend tax
||Y - Interest paid gross, dividends net of 10% tax
|Tax-free capital growth
||Can range from Instant Access to Fixed Term
||Instant Access on cash balances or once sales have been 'settled'
||Cash - can range from Instant Access to Fixed Term Shares - Instant Access
|Move funds between Cash and Shares
|Available from Interactive Investor
*See Junior ISA for more details
ISA Myths # 1
ISAs are something you only open, or pay into, at either end of a tax year.
In fact, you can open, and pay into, an ISA Account at any time in the year.
Why wait for April - it’s better to plan your ISA as part of your overall savings and investments. That way, you’re ahead of the game and can pay in whenever it suits you best.
ISA Myth # 2
You have to pay in the full annual allowance in one go.
Your 2015 allowance is a bit like a speed limit – it’s a maximum not a target! You can pay into an ISA Account whenever and whatever you can afford to (up to the annual allowance). And you don’t have to use-up your allowance all at once – or even at all. However, be aware that any unused allowance in one year can’t be carried forward to the next one.
Sounds good? Open your Interactive Investor ISA and start trading
Simply complete our quick application, fund your account and choose an investment to buy.
The value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. Past performance is no guarantee of future performance. Tax treatment depends on your individual circumstances and may be subject to change. If in any doubt, please seek advice.
Read our ISA Guide
Got an ISA already?
Bring all your ISAs together.
If you already have ISAs elsewhere, you can bring them all together with us. Having your investments together in one place is not just convenient, it makes good sense too as you’re better able to manage your overall portfolio.
With our simple, flat fee charging structure, it’s cost-effective too - we don’t penalise our customers for holding more investments with us, or charge more as the value of those investments grow.
Take care of your children's future
With an Interactive Investor Junior ISA you can invest up to £4,000 every year tax-efficiently for your children. Once you have a trading account with us, simply add a Junior ISA for free in the ‘Add Account’ section.