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Stocks & Shares ISA

Our Stocks & Shares ISA is designed to help you reach your financial goals, whether that means paying off your mortgage, covering school and university fees, or simply growing your wealth.

Date last reviewed: June 17th, 2024

True Potential are trustedby more than 534,000 investors.

£30 billion invested on the True Potential Platform.

Why choose a Stocks & Shares ISA?

Protect up to £20,000 every year from Income and Capital Gains Tax

Withdraw whenever you need to with no penalties

Nothing to declare on your tax return

Potential for growth but capital is at risk and returns not guaranteed

How we offer you more.

Dedicated video, phone and email support

Award-winning technology to track your money 24/7

What is a Stocks & Shares ISA?

Simply put, a Stocks & Shares ISA is a tax-efficient account that you can add up to £20,000 into each tax year. You won’t pay Income Tax or Capital Gains Tax on the money inside your ISA, no matter how much it grows.

Our ISA is a flexible ISA which means you are free to withdraw and replace money from your ISA, provided it is done within the same tax year, without affecting your annual ISA allowance. There are also no limits on when you can access your money (though it’s best to plan to be invested for at least 5 years as your capital is at risk when investing).

It’s no wonder that 12 million people in the UK have an ISA, making it one of the most popular accounts for saving and investing.

Download our free guide to Choosing the right ISA for you.

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Cash ISAs v Stocks & Shares ISAs.

Unlike a Cash ISA, the returns you get from a Stocks & Shares ISA aren’t limited by the provider’s interest rate. Cash ISA interest rates are often below the inflation rate, meaning money saved in them is losing buying power.

By comparison, with a Stocks & Shares ISA your money is invested and has the opportunity for much greater growth. The trade-off is that money invested is at risk of loss and you could get back less than you invest.

As a guide, savings such as an emergency fund or those for short term goals like a holiday are better in Cash ISAs, while long term (5+ years) goals can benefit from investing as you have enough time to see growth and ride out any dips in the market.

If you’re new to ISAs or investing, it’s worth reading our guide to choosing the right ISA.

Our fees and charges.

We believe in keeping fees simple, transparent, and great value for money. We’ll talk you through all costs before you sign up and you’ll always be able to see them in your account.

Fee to open an ISA


Fee to transfer an ISA


Ongoing platform fee charge


Typical Ongoing Investment Charge


You can find out more on our fees page.

Try our free calculator

Brought to you by the True Potential Group.
True Potential Investments is an investment platform that provides investment products and services. Authorised and regulated by the Financial Conduct Authority, FRN 527444.

True Potential Wealth Management offers restricted financial advice. Authorised and regulated by the Financial Conduct Authority, FRN 529810.

True Potential is registered in England and Wales as a Limited Liability Partnership No. OC356611

With investing your capital is at risk. Investments can fluctuate in value and you could get back less than you invest. Tax is subject to an individual’s personal circumstances, and tax rules can change at any time.

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