OPEN ACCOUNT

Grow your ambitions investing in our ISA

Maximise your tax-efficient ISA allowance.

Zer0% platform fee

Until the end of the 2021/22 tax year if you open your ISA by 30 September 2021. 0.25% max when promo ends.

FUNDS, SHARES, ETFs AND BONDS

ISA Zer0% platform fee

ISA PLATFORM FEE

Until the end of the 2021/22 tax year if you open your ISA by 30 September 2021. 0.25% max when promo ends.

Details

Own a world of opportunity

Are you on track to reach your investment goals? Our Stocks and Shares ISA makes it easier for you to put your money into a wide range of investments, such as Funds, Shares, ETFs and Bonds. Any investment growth or interest earned within the ISA is free from UK Income or Capital Gains Tax. No matter your investment horizon, the Stocks and Shares ISA gives you options for how to grow your wealth and try to meet your savings goals.

Fineco ISA with Zero platform fees. Get yours!

Want to open the door to a world of new opportunities?

Get your Fineco ISA by 30 September 2021 and you won't pay any ISA platform fee until the end of 2021/22 tax year,
according to terms and conditions outlined in Details.

All you have to do is:

APPLY TO FINECO ISA
BY 30 SEPTEMBER 2021

By opening a Fineco's Stocks and Shares ISA or transferring the ISA you have with another provider (moving Shares, ETFs, Bonds, Funds or Cash to invest in 3 months) to Fineco.

When transferring to Fineco ISA, note that we only accept GBP instruments, available in our platform, for direct ISA transfer. In case of instruments denominated in different currencies, please consider transferring them in cash.

ENJOY 0% ISA PLATFORM FEE
UNTIL 5 APRIL 2022

And invest up to £20k in a variety of funds, shares, bonds and ETFs without paying the ISA platform fee set at an annual max 0.25%, with a cap of £2.95/month for Shares, ETFs and Bonds.

Once the initiative is over, the ISA platform fee will be calculated and paid monthly as indicated in the fact sheets, based on the value of the investments in your ISA on the last day of each month. The first charge will be applied in May 2022 based on April 2022.

GET STARTED NOW! The sooner you open/transfer your ISA, the longer you can enjoy zero platform fees (until 5 April 2022).
open a fineco isa account

Haven't opened your Fineco account yet?
Do it now! Then, apply for your ISA directly via the Account Management page: Management Services > Trading and Investments > Stocks and ISA Stocks.

Once completed, you will be able to add money, transfer existing ISAs and monitor your allowance directly from your reserved area homepage, simply by switching from your standard account to the ISA.

transfer an ISA to fineco

Want to transfer an existing ISA to us? You can do it whenever you like, as long as you have previously opened a Fineco ISA.

Then, on the home page of your ISA account you always have the transfer form at your disposal by clicking on "Transfer securities to your ISA". Fill it out in its entirety: you will be asked to indicate your ISA Fineco account number and and to specify which asset you want to transfer. Once done, send it to isa@finecobank.com

Please note: Investments can go up and down in value. Tax rules and benefits are also subject to change depending on your circumstances. This could mean that you get less money back than you put in.

See how we compare

With Fineco's competitive pricing, you can make the most of your investments and enjoy the tax-efficient
benefits of your ISA to the fullest.
See how Fineco compares:

 Annual charge £20k portfolio
FinecoBank

0% *

Until the end of the 2021/22 tax year if you open your ISA by 30 September 2021. 0.25% max when promo ends.

Hargreaves0.45%
Interactive Investor0.60%
AJ Bell0.28%
Barclays0.30%

Source: The Lang Cat Guide To Isa Investing, February 2021– Internal data processing

* Fineco ISA platform fee is annually maximum of 0.25% of the value of investments in the ISA account, with a £2.95/month cap for Shares, ETFs and Bonds. Trading fees are charged for the purchase and sale of Stocks, ETFs and Bonds in the amounts specified in the fact sheets. For funds there are no dealing charges. Please note that apart from Fineco platform fees, investing may incur other charges (e.g. by the fund manager). To read about our account charges download our fact sheets and documentation.

Get more with a Fineco Stocks and Shares ISA

Make your money work harder with a Stocks and Shares ISA (also known as an Investment ISA or Self-Select ISA). You'll be able to save money - tax-free - while choosing from a wide range of investment products that could maximise your benefits. We're here to help you open your ISA, giving you all the guidance you need to start saving for your future, whether it's for a special day, for your child's future, or building a nest egg.

Minimal Account Fees

zero platform fees

Until 5 April 2022 instead of annual 0,25% max, if open/transfer an ISA by 30/09/2021. Details

NO UNPLEASANT SURPRISES

NO UNPLEASANT SURPRISES

We won't charge you to exit or transfer.

Tax Advantages

Tax Advantages

No UK capital gains or dividend income taxes, or any UK tax on interest or coupons accrued on bonds.

Minimal Account Fees

zero platform fees

Until 5 April 2022 instead of annual 0,25% max, if open/transfer an ISA by 30/09/2021. Details

NO UNPLEASANT SURPRISES

NO UNPLEASANT SURPRISES

We won't charge you to exit or transfer.

Tax Advantages

Tax Advantages

No UK capital gains or dividend income taxes, or any UK tax on interest or coupons accrued on bonds.

Hundreds Of Options

Hundreds Of Options

Pick from a variety of funds, UK equities, bonds and exchange-traded funds (ETFs) in GBP.

Start small

START small

If you want to open a Stocks and Shares ISA, you can start to invest with just a small amount as soon as the service launches.

There When You Need

There When You Need

Access your money tax-free and withdraw it from your ISA whenever you need it.

More About Fineco ISA (FAQ)

ISA stands for Individual Savings Account, a financial instrument that is easy to use and offers various tax benefits. These accounts can be used for savings or investments and any interest earned is tax-free; they are not subject to income tax or capital gains tax.

With ISAs, you can choose whether to put your money into a cash account, invest in shares or use the allowance to lend money to other people with the peer-to-peer system. All that changes is the level of risk, but you can earn money because you are never taxed on the interest.

An Investment ISA enables you to make tax efficient investments with an accredited, regulated ISA provider. With this account, you can sell, buy or hold investments without paying tax or Capital Gains as long as you follow the guidelines on the amount you can pay in. ISA allowances change each year, but the limit is £20,000 for the current year.
One big advantage of an Investment ISA is that you don't need to record any returns from your investments in your ISA for your tax return because they are tax free. If you keep all your savings in ISAs, you can avoid doing a tax return all together.
A Stocks and Shares ISA allows you to invest in funds, bonds, and shares, but this can come with charges. Funds are generally shares or bonds from a number of companies combined in one investment opportunity. Shares allow you to invest in handpicked companies, and bonds are a loan from the government or a company.
Other platforms may charge you to open and hold an ISA with them. But with Fineco, you can open a free ISA account without any exit fees, or switch holdings. So, you won't have any unpleasant surprises.

There are many types of ISAs available and the main are Stocks and shares ISAs, Cash ISAs, Innovative finance ISA and Lifetime ISA.
With Fineco, you can currently only open the Stocks and Shares ISA.
Money saved into a Stocks & Shares ISA is invested in funds and other types of investments. One of the benefits of a Stocks & Shares ISA is that you don’t pay tax on any value you might gain.

In a Stocks and Shares ISA you can store different Investments, having the chance to gain some exposure to financial markets, rather than simply investing money in a savings account.
Despite their name, Stocks and Shares ISA aren’t limited to stocks and shares alone, but they include also investment funds, bonds issued by companies, government bonds and exchange-traded funds (ETFs).

Setting up your Stocks & Share ISA with Fineco is very simple. First you need to open a Fineco standard account.
Then, you can apply for ISA directly on your Account Management page: Management Services > Trading and Investments > Stocks and ISA Stocks.
Before opening, please consider that:

  • You must be a Fineco standard account holder
  • You can only pay into one Stocks and shares ISA in each tax year
  • You cannot have invested more than the current year's ISA allowance in this single investment ISA or spread across different ISAs

Once the ISA is successfully opened, you will be able to add money, transfer your existing ISA and monitor your allowance directly from the homepage of your reserved area, simply by switching from your standard account to the ISA.

You can transfer an existing ISA to us at any time, as long as you have previously opened a Fineco standard account and a Fineco ISA account.
On the home page of your ISA account you always have the transfer form at your disposal by clicking on "Transfer securities to your ISA". Fill it out in its entirety: you will be asked to indicate your Fineco ISA account number and and to specify which asset you want to transfer. Once completed, send it to isa@finecobank.com.

If you open a Fineco Stocks and Shares ISA or transfer the ISA you have with another provider to Fineco by 30 September 2021 and you won't pay any platform fees until the end of 2021/22 tax year, according to terms and conditions outlined in Details. Then, once the promotional campaign is over:

  • Charges vary depending on your account investments and activity
  • We never charge more than 0.25% per annum for a Fineco ISA.

Trading fees are charged for the purchase and sale of Stocks, ETFs and Bonds in the amounts specified in the fact sheets. Please note that apart from Fineco platform fees, investing may incur other charges (e.g. by the fund manager). To read about our account charges download our fact sheets and documentation.

The Fineco Stocks & Shares ISA allows you to pick from a variety of funds, UK equities, bonds and exchange-traded funds (ETFs) in GBP.

There is a limit for money invested in an ISA in a single tax year (April 6th - April 5th). This year, the limit is £20,000 - this can be split across multiple ISA products. Please note that tax rules and benefits for ISAs can change according to your individual circumstances.

A portfolio is a group of assets than can include a mix of investments. Assets in a portfolio can come in many forms, including stocks, bonds, commodities, futures, CFDs, options, funds, exchange-traded funds (ETFs) and other investments.
With a Fineco Stocks and Shares ISA, you can add to your portfolio by funds, shares, bonds and ETFs.

You don't have to pay UK Capital Gains Tax or income tax on returns with an ISA.
It's worth remembering that rules for ISAs can change. Any tax incentives for your ISA investment could be affected by future changes to ISA rules. For the current year, the limit for ISAs is £20,000. Anything you put in up to this amount will be free from UK Capital Gains and income tax.

For investments outside an ISA, you'll be subject to tax if your profits go above the annual CGT allowance, which for the current year is £12,000. Tax, in this case, will be applied at 10% or 20%, subject to your tax band. For ISA investments, however, you won't have to pay CGT, even if your profit is above the annual threshold. If you choose to sell your ISA at a loss, you can't offset that loss against the sale of other assets outside your ISA.

If you make an income from investments in an ISA, you won't pay any UK income tax. Those ISA investments can include corporate bonds, property income distributions or gilts.

With Stocks and Shares ISAs, losses cannot be used to compensate for gains on other investments. In fact, these accounts have another important benefit as gains are tax-free.

You're not obliged to declare your ISA on your tax return. It's still, however, wise to keep a record of your investments to help you stay in line with your ISA allowance for the tax year.
ISA allowances always apply to the current year, so they are only valid for the current tax year and cannot be carried over. When a new tax year begins, a new ISA allowance is available and the previous allowances are wasted if they have not been used. In any event, the allowance can be spread across various types of ISAs, as long as it is within the limit of £20,000 for the current tax year.

You can have more than one ISA, but you can't put new money into more than one of the same type of ISA in each tax year. Whether you choose to save in one ISA or multiple ISAs you can't exceed your annual tax-free allowance.

Over the years you can also keep your old ISA accounts along with any new ones you may open. However, you won't be able to pay into them as they will become inactive. When the new tax year starts you can choose to either keep your current ISA active, or you can make your ISA inactive and open a new one.

Yes, you can do it at any time but note that if you withdraw money from your ISA and then reinvest at a later date during the tax year it will count towards your annual ISA allowance.

NEWSROOM

Visit our Newsroom to find all the information and knowledge you need, with new developments on a weekly basis.

The value of the financial instruments will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested.

This advertising message is for promotional purposes only. To view all the terms and conditions for the advertised services, please refer to the fact sheets and documentation required under current regulations. All services require the client to open a Fineco current account. All products and services offered are dedicated to Fineco account.

Stocks & Shares ISA Promo: Fineco ISA with Zero Platform Fees until 5 April 2022: initiative valid from 09/03/2021 to 30/09/2021 and subject to terms and conditions outlined in Details. Trading fees for the purchase and sale of Stocks, ETFs and Bonds will also be applied during the promotional campaign, in the amounts specified in the information sheets. There's no dealing charge for buying or selling funds. Please note that apart from Fineco platform fees, investing may incur other charges (e.g. by the fund manager). To read more about our account charges download our fact sheets and documentation.
0.25% max when promo ends.

Fineco ISA platform fee is annually maximum of 0.25% of the value of investments in the ISA account, with a £ 2.95/month cap for Shares, ETFs and Bonds. The amount paid annually is the sum of the amounts calculated monthly (for 12 months). The monthly fee is calculated based on the value of your portfolio in Funds on the last day of each month. Trading fees are charged for the purchase and sale of Stocks, ETFs and Bonds in the amounts specified in the fact sheets. For funds there are no dealing charges. Please note that apart from Fineco platform fees, investing may incur other charges (e.g. by the fund manager). To read about our account charges download our fact sheets and documentation.

When transferring to Fineco ISA, please note that we only accept GBP instruments, available in our platform, for direct ISA transfer. In case of instruments denominated in different currencies, please consider to transfer them in cash.

You can take your money out of an Individual Savings Account (ISA) at any time without losing any tax benefits. The ISA allowance for the current tax year is £20,000. Annual allowances are subject to revision and the government’s favourable treatment of ISAs may change. 'Tax-free' indicates that interest is exempt from UK income tax provided that all ISA conditions are met. The tax level and basis can change and the value of tax relief depends on your personal circumstances.