Stocks and shares ISA

One of the UK’s most popular ways to hold your investments because of its tax efficiency.


What is a stocks and shares ISA?


An ISA is an Individual Savings Account. A stocks and shares ISA (also called an investment ISA) is an account that you can use for your investments.

You can invest tax-efficiently, meaning there’s no UK income tax or capital gains tax for you to pay.


Win up to £20,000 for investing 

Invest £1,000+ as a lump sum or set up a Direct Debit into a Stocks and Shares ISA or Investment Account for your chance to win up to a maximum of £20,000


Terms and conditions apply. Capital at risk

How to enter

How much can you pay into an ISA?

For the 2024/25 tax year, you can save up to £20,000 in cash ISAs, Stocks and Shares ISAs, innovative finance ISAs and a lifetime ISA. Your ISA limit can be paid into multiple ISAs of the same type, except the lifetime ISA, each tax year.

You can only invest £20,000 or under across all ISAs. What you don’t use doesn’t roll over. 

If you want to invest more, you can use our Investment Account.

How can a stocks and shares ISA benefit me?

A stocks and shares ISA is effectively a 'tax wrapper' that can be put around investments. This means you don’t pay capital gains tax on the growth of your investments and there’s no tax on any income you receive.

You can keep adding to your ISA, up to the maximum ISA allowance each tax year (currently £20,000 across all ISAs you have), and any returns or interest are free from UK income tax or capital gains tax.


You have control over how you invest in your stocks and shares ISA with us.  Whether you're new to investing or more experienced, there's an option for you. 


How to an open a stocks and shares ISA

To invest in a stocks and shares ISA, you need to choose what to invest in. Santander has a simple set of ready made investments or you can pick your own. Then, pick how much of your yearly ISA allowance you want to use. This can be a lump sum or regular amount of money each month, starting from as little as £20.

You can open a stocks and shares ISA on our Investment platform called the Investment Hub.
You can open a stocks and shares ISA if:
- you’re 18 or over,
- you’re a UK resident for tax purposes.

If you’re not feeling confident about investing yourself, we also offer two types of advice to understand if investing is right for you. 

As with all investments your capital is at risk and you may get back less than you invest. Investments should be held for the medium to long term (5+ years), unless there is a fixed term that applies.

The tax treatment of your investment depends on your individual circumstances and may be subject to change in the future.

Transferring an ISA

If you already have a cash or Stocks and Shares ISA elsewhere, you can transfer them to us at any time – and it won't affect your ISA allowance. ISAs can also be easier to manage when you merge them into one.

Benefits of transferring an ISA
You can ask for an ISA transfer to us using our online form in the Investment Hub.
• With your whole ISA balance in one place, you can easily see how your money is performing.
It’s free to transfer your ISA to us. However, some providers may charge exit fees, so check with them first – we wouldn’t want you to lose money.

Start an ISA transfer

If you use the transfer form to transfer your ISA, the money will retain its tax-efficient status. But if you withdraw money from your ISA, it’ll lose its tax-efficient status. Also, if you’re transferring a fixed-rate cash ISA, you may have to pay a fee if you leave before the end of its term, so double-check before you ask to move it. 

Why Santander?


Feel in control

  • Watch how your money performs with your mobile, tablet, or laptop.
  • Make changes easily online or through the app.


Get investment advice from us and be confident about your investments

Learn more about investing, from how to get started to different ways of investing

If you're looking for a simple and tax-efficient way to save for the future, a stocks and shares ISA is an excellent option. You can start investing with a lump sum of £100 or £20 per month.

You can transfer your cash ISA with Santander or other providers into a stocks and shares ISA.

Keep in mind, for Santander Stocks and Shares ISAs, the ISA manager is Santander ISA Managers Limited. This means that transfers between Santander Stocks and Shares ISAs and Santander cash ISAs should be treated as transfers between ISA providers and can take up to 30 days for monies to come across.

All investment providers charge a fee for using their investment platform. We have  a clear charging structure.

You can transfer in ISAs you have with other providers at any time. 

It can take up to 30 days to receive your monies from when we receive your request to transfer funds.