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Stocks and shares ISA

In each tax year you can save or invest up to £20,000 in an ISA. With a Stocks and Shares ISA, you have complete flexibility as you can choose to invest your money in a wide range of different investments and any money you make in profit or dividendsThis is a payment made from a company to the people who have bought and hold their shares on a set date, usually when a company has made a profit. is completely free from UK tax.

Plus, we also make it simple for you to invest in a way that suits you. You can invest a lump sum at any time, or if you don’t want to invest a large amount, you can invest on a monthly basis.

Please remember that the value of all investments can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.

Key features

  • Pay no UK tax on any potential profit or income.
  • Our charges are simple and competitive. See how we compare
  • No charges to transfer in or out of our ISA.

Why invest in a Stocks and Shares ISA?

The tax advantages are the key reason why most people invest in a Stocks and Shares ISA. If you’re investing over a longer period of time you could be liable for a lot in Capital Gains Tax when you decide to sell your investments. Investing in a Stocks and Shares ISA means that you pay no UK tax on any potential profit or income – after that, basic rate tax payers will pay 10% capital gains tax and higher/additional rate tax payers will pay 20%.

Our Stocks and Shares ISA is self-select so you decide exactly what you want to invest in. This means you can choose from a wide range of stocks and sharesA share is simply a unit of ownership. If you own a share, you own a stake in a particular company. Shares are listed on a stock exchange and the price of all shares will fluctuate throughout the day. (from the UK and international markets), managed fundsFunds are managed by professionals and pool investors’ money together and invest on their behalf. Since your investment can be spread over a range of different stock markets, sectors and investment types, the risk involved may be reduced., bonds, giltsBonds and gilts are created by companies or governments for investors as a way of raising money. When you invest in a bond or gilt you’re lending money to the company or government for a fixed period in return for a fixed rate of interest. and more. Read more about our investment options.

What charges do I pay?

Our charges are simple and competitive. You pay a flat-rate annual administration charge to hold an ISA and then pay commission each time you place a trade.

What charges do I pay?

Account admin charge

£12.50 per year 

Real-time online trades

£12.50 dealing commission per trade

Scheduled regular investments

£2 dealing commission per trade

This table shows the dealing commission and account charges you'll pay as standard. If you invest in a fund you'll also pay an ongoing charge directly to the fund manager. You may also pay government taxes and levies depending on the investment you choose. For full details please read our Charges page.

Apply for a Stocks and Shares ISA

You can open a Stocks and Shares ISA in less than 10 minutes. For existing share dealing customers simply sign in and select ‘Open a New Account’. Otherwise, click ‘Apply now’. Before you start an application, make sure you’ve reviewed and understand the:

Apply nowfor a Stocks and Shares ISA

Investments with Halifax Share Dealing Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit is applied to the aggregated total of any stock or cash held across the following brands which we administer.

This is in addition to any other savings deposits you may hold across Lloyds Banking Group.

FSCS logo

Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.