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  1. Investments
  2. Stocks and Shares ISA
cashback offer 2

An ISA with an EXTRA 15%.

Invest in Vitality funds and we'll add up to 15% extra money to your ISA over 25 years– on top of any returns.

See what your ISA could be worth 

Capital at risk. Minimum investment and T&Cs apply.

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 to £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

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 100% cashback on your first year’s ISA product charges offer and Investment Booster could add extra money on top of returns. Minimum investment and T&Cs apply. Offer ends 5 April 2019.

✓ 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

Unique ways we can boost your ISA

  • Investment Booster

    Investment booster icon

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

    Learn more

  • Get back your product charges

    Financial care icon

    Open a new ISA by 5 April - and we'll give back all your product charges for the first year. Minimum investment and T&Cs apply.

    Learn more

Why a Vitality ISA is different


1. You could earn extra money – on top of any returns
Our unique Investment Booster rewards loyalty by adding extra money to your savings every five years when you invest in Vitality funds.

2. You could get 100% cashback on your first year’s ISA product charges 
Open a new ISA by 5 April – and we’ll give back all your product charges for the first year. Capital at risk and T&Cs apply.

3. We’re backed by leading investment managers
Our partnership with Investec Asset Management and Vanguard – with over £4 trillion1 in assets under management – means your money is in experienced hands.
See what your Vitality ISA could be worth

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.

ISA allowance for the tax year 2018-19

£20,000

Transfer an ISA to us

It’s easy to switch, and you could add extra to your investment with our unique boosters and discounts.
Learn more

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.

Open a new ISA plan before 5 April and we’ll give you back your product charges for the first year. Capital at risk and T&Cs apply. Find out more

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. Learn more about how the Vitality status works.

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

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.

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