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  • A Stocks and Shares ISA could provide better long-term returns than a Cash ISA.

  • Just let us know a few details about what kind of investor you want to be, then our experts will build and manage your Plan for you! 

  • Fees are low and transparent, meaning you get to keep more of your money. 

With investing, your capital is at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future. ISA rules apply.

Wealthify plans on dashboard showing investments separated by type. Information provided in this image does not show actual performance and is not intended to show potential investment growth.


We're really proud of all the awards we've won for our Stocks and Shares ISA: Boring Money’s Best Buy ISA (four times in a row from 2020 to 2023); Good Money Guide’s Best Managed Stocks and Shares ISA (2023); and the Personal Finance Awards’ Best Investment ISA (2021).

Here's just a small selection of the other 60+ awards we've won since launching in 2016.

Winner of Digital Wealth Management Provider of the Year at the 2022 Moneyfacts Consumer Awards
Winner of the Best Overall Investment Platform at the 2023 Your Money Awards
Winner of the Best for Beginners at the 2024 Boring Money Awards
Winner of the Best for Customer Service award at the 2022 Boring Money Awards
Winner of the Best Personal Finance Online Service at the 2023/24 Personal Finance Awards, for the 5th year running

What is an ISA?

Launched in 1999, ISA stands for Individual Savings Account. ISAs are a tax-efficient way to save or invest up to £20,000 each tax year; this £20,000 is known as your annual ISA allowance.

These are four different types of ISAs: Stocks and Shares ISA (aka Investment ISA); Cash ISA; Innovative ISA, and Lifetime ISA (which has a £4,000 allowance). Even though all four ISAs offer different options and benefits, you can split your annual £20,000 allowance between them.

The great thing about ISAs is that you don’t have to pay capital gains tax or income tax on any of the money you earn. This means you get to keep more of the interest or returns you make!

Wealthify ISA Plan payment details view.

Transferring an ISA?


  • You can transfer any Cash ISAs or Stocks and Shares ISAs (Investment ISAs) you have with other providers to Wealthify.
  • When you transfer an ISA to Wealthify, you should always use the official ISA transfer form to retain the ISA tax benefits. 
  • Transferring ISAs from previous tax years doesn’t impact your current ISA allowance, so you can still put up to £20,000 into an ISA this tax year.

why choose wealthify?

Whether you're looking for your financial piece of the pie or peace of mind: investing with Wealthify is about so much more than just ‘putting money away’.

It’s about the satisfaction of knowing you're on top of your finances — and confidence that comes with building for the future.

Using our simple, award-winning app or website, start a Wealthify Stocks and Shares ISA from as little as £1. Whether you’re cautious, ambitious, or ethical with your money, we manage everything for you, guiding your investments all the way.

Because Wealthify is for people who want more from their finances by doing less; people who value their time just as much as their money.​

Two Wealthify ISA Plan views, one showing plan value summary and second showing plan details. Information provided in this image does not show actual performance and is not intended to show potential investment growth.


With Wealthify, investing for your future also means being able to invest in the planet's future at the same time. 

That's why we've joined forces with best-in-class ethical fund providers, to create five Ethical Plans that let you invest in organisations committed to having a positive impact on society and the environment. All our fund providers are signatories of the Principles of Responsible Investing (PRI), the world’s leading proponent of responsible investing. 

The actively managed ethical funds employed in plans keep a close eye on the organisations in which they invest - employing rigorous, ongoing screening to ensure ethical standards are maintained.

Getting started

As with everything we do at Wealthify, we’ve made the process of opening a Stocks and Shares ISA as simple as possible.

You choose

From Cautious to Adventurous, choose from five investment styles, before investing from just £1 via a one-off payment or Direct Debit. 

You answer

Answer a few questions in our suitability quiz, which helps you start an ISA that's right for your circumstances and attitude towards investing.

We build

Our team of investment experts then get to work building your Plan, making sure it’s aligned with your chosen investment style.

We manage

Just sit back, relax, let us manage everything for you — and use our online dashboard or app to follow your Plan's performance!


We know the only thing more important than making your money work harder, is making sure it’s safe — here’s how we take care of yours.


Your login details will always be kept secure – but never shared with anyone else.


Our friendly Customer Care Team are always happy to help via email, Live Chat, or on 0800 802 1800.


Wealthify is owned and backed by Aviva: one of the UK's largest financial institutions.

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Investment FAQs

You can open an ISA with Wealthify if you:

Are over 18

Are UK tax resident

When you’re building your Personal Investment Plan, the first question you will be asked is whether you would like to open an ISA or a General Investment Account. Select ‘ISA’ to create an Investment ISA Plan. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.

If you’re likely to exceed your ISA allowance, you can simply set up a General Investment Plan to invest additional funds. There’s no extra cost for having two or more Plans.

The ISA limit and maximum you can save each year is £20,000. The tax year runs from the 6th of April to 5th of April the following year. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.

Nothing at all. A Stocks and Shares ISA and an Investment ISA are just different names for tax-free investments.

Yes, you can withdraw funds from your ISA plan at any time, without penalty. However, if you withdraw money from this year's ISA, you will lose that portion of your ISA allowance. 

Yes, they are. All your investments in our ISAs and General Investment Account products are held with our custodian bank, Winterflood Securities, a global financial services provider and part of Close Brothers Group, who have been trading for more than 130 years. The custodian of our Pension products is Embark Pensions, who are part of the Embark Group – the UK’s fastest-growing digital retirement platform.

Winterflood Securities and Embark both hold your assets separately (ring-fenced) from Wealthify, so  even if we went into administration, our creditors would not have a claim to your investments. 

The Financial Services Compensation Scheme may also cover the first £85,000 of your investments, however, it’s essential to understand that the FSCS doesn’t cover you if your investments do not perform as expected and you get back less than you originally invested. For more information visit https://www.fscs.org.uk/

Need more help?

If you’ve got any more questions, then our award-winning Customer Care Team are ready to answer them. Just click on the button below to get in contact.