Skip to Content

Stocks and Shares ISA

Open an ISA  Transfer an ISA to us 

With investments, your capital is at risk

Open a plan with as little as £100 a month

Whether you’re saving for a new home, planning a round-the-world trip or setting up your ideal retirement, a Stocks and Shares ISA gives your money time to grow tax-free.

You can put in up £20,000 each year, and you don't pay tax when you take the money out.

New to investing?
ISAs explained   
or call us on 0808 274 6776

How we could boost your ISA

  • Investment Booster

    Boost your ISA by up to 15% over 25 years - on top of any returns - when you invest in Vitality funds

  • Healthy Living Discount

    Reduce the product charge by up to 100% when you have a qualifying VitalityHealth or VitalityLife plan*

* The plans that give you membership of our healthy living programme, and qualify you for our Healthy Living Discount are:
• VitalityHealth: Personal, Business or Corporate Healthcare plans with Vitality Plus
• VitalityLife: Plans with Vitality Plus, excluding Vitality Core and Vitality Lite

Our ISA at a glance

✓ Easy to start
With regular contributions from £100 a month, or a lump sum of at least £1,500. No minimum amount for additional lump sums.

✓ Easy to manage
Stop, start, increase or decrease regular contributions, and pay in lump sums at any time.

✓ Hassle-free transfers
From your other ISAs, without affecting your annual ISA allowance.

✓ Potential to boost your ISA even further
Our Investment Booster and Healthy Living Discount could add extra money on top of returns.

✓ Take money out anytime
Take money out and add it back in the same tax year without affecting your annual ISA allowance.

Capital at risk
Open an ISA

Please remember, the value of investments - and the income from them - can go down as well as up, meaning you may get back less than you invest. This information is based on our understanding of existing tax legislation which may change in the future.

A world of funds from leading investment managers

We’ve partnered with leading investment managers, Investec Asset Management and Vanguard, to offer you a range of 15 Vitality funds. Each is designed to help you achieve your financial goals, whether that’s growing your investment, generating an income in retirement or managing the risk you take. Plus, we offer a range of complementary funds from other well-known providers.

Explore our fund range

ISA allowance for tax year 2018-19


What are the charges?

Product charge – starts from 0.6%p.a. It’s tiered so the more you invest, the less the charge rate you pay. And with the Healthy Living Discount you could reduce the product charge. In fact, you might not have to pay one at all*.

Fund charge - for the ongoing management of the funds you choose.

For more details please read:
VitalityInvest ISA Plan Summary
Terms and Conditions
Charges Schedule
Find out more
*If you invest in Vitality (or other eligible) funds only, hold a qualifying Vitalityhealth or VitalityLife plan, and earn enough Vitality points through our healthy living programme to reach Platinum status, the product charge is zero. Terms and conditions apply.

A few things to consider before you start

If you’re opening a VitalityInvest ISA without taking financial advice, please remember that:
  • Returns on your investment aren’t guaranteed
  • A Stocks and Shares ISA usually works best as a long-term investment: at least five years
  • To open an ISA you must be at least 18 years old and a UK resident, as defined by Her Majesty’s Revenue & Customs (HMRC)
  • You’ll be opening and managing your ISA online
  • The value of your ISA may go down as well as up and you may get back less than you invest
Ready to invest?

Get your tax-efficient investment under way. Capital at risk.

Open an ISA Transfer an ISA to us
New to investing?

Find out more.

ISAs explained

Your questions answered

How long does it take to set up a VitalityInvest ISA?

Once you've read and understood the risks and benefits of investing, you can apply in minutes. Then, once we receive your money, we’ll get your ISA up and running straight away.

How do I pay into a VitalityInvest ISA?

You can make regular payments by Direct Debit, or make single contributions by bank transfer. We can also accept transfers of your existing ISAs with other providers.

Which funds do I need to invest in to be eligible for the Investment Booster?

Pick any Vitality fund from the Performer or Risk Optimiser range. The more you invest in them, the bigger the boosts could be.

Do I need a VitalityHealth or VitalityLife plan to get the Investment Booster?

No, all you need to do is include Vitality funds in your VitalityInvest ISA for at least five years.

Do I need a VitalityHealth or VitalityLife plan to get the Healthy Living Discount?

Yes, you’ll need one of the following qualifying plans:

• VitalityHealth: Personal or Business Healthcare plans or Corporate Healthcare plans with Vitality Plus
• VitalityLife: Plans with Vitality Plus, excluding Vitality Core and Vitality Lite

You’ll also need to take steps to be healthier with our healthy living programme, and invest your ISA in Vitality funds.

Find out more about VitalityHealth and VitalityLife.

Can I set up an ISA for my child?

Yes, you can. It’s called a Junior ISA, and you can open one as long as:

• You’re the child’s parent or legal guardian
• The child’s under 18
• The child doesn’t have a Child Trust Fund ( if they do you’ll have to transfer the Child Trust Fund into the Junior ISA when you set it up)

You can pay up to £4,260 into a Junior ISA each tax year. Once the child turns 18, their Junior ISA automatically becomes a Stocks and Shares ISA.

When can I take my money out?

You can take some or all of your money out at any time, without charge, and it won’t be taxed. Our Stocks and Shares ISA is a flexible ISA, so you can take out money then put it back later in the same tax year - without reducing your current year’s allowance.

Can I change the funds my ISA invests in?

Yes, any time you like. Just contact us, choose which funds you want to sell and which you want to buy.