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Your Investment Options

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Funds you have chosen

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Transfer an existing ISA

Funds you have chosen

What percentage of the amount you are transferring would you like to assign to each investment?

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Percentage remaining - will be left in cash
100.00 %

Why would I leave my money in cash?

You can hold your money in cash and choose your investments later. If you want to withdraw money immediately, the amount you want to withdraw needs to be available in your account as cash, with no transactions pending.

Please note, you also need cash to pay for any charges and investments may be sold to cover a charge if cash is not available.

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100.00 %

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Apply for the Aviva Stocks & Shares ISA

You're nearly there. We just need you to read our key documents and some important information about this ISA before you can apply.

Key documents

Please take the time to read these documents and save them for future reference.

If you've not already viewed our Aviva Stocks & Shares ISA page, head there to learn more about its features, charges and how it works.

Aviva Stocks & Shares ISA

Terms and conditions

PDF (199KB)

Read our terms and conditions before applying for the Aviva Stocks & Shares ISA. We may make changes to this document from time to time. If we make changes after you have taken out an Aviva Stocks & Shares ISA, an updated copy will be provided in your MyDocuments folder in MyAviva.

Aviva Stocks & Shares ISA

Key features

PDF (447KB)

This document contains information on everything from charges and risks to minimum contribution details and general information.

Aviva Stocks & Shares ISA

Service information

PDF (60KB)

Learn more about the services we provide, who regulates us and more details about our product offering.

Aviva Stocks & Shares ISA

External account providers and interest rate

PDF (69.8KB)

The cash account is where your money is held until you allocate it to investments. Interest on money held in the cash account is applied at our variable rates, which may be zero or negative. If the variable interest rate is less than we charge for managing your Aviva Stocks & Shares ISA, the amount in the cash account will go down.

Aviva Stocks & Shares ISA

Platform charges

PDF (82KB)

Investment platforms can have different types of charges and use different terms to describe them. Find out more about platform charges in our platform charges factsheet.

Things to remember

Before you continue with your application, please take note of the key details about this product:

  • To open an Aviva Stocks & Shares ISA, you'll need to set up regular payments of at least £25 a month, or make an initial payment of at least £500
  • The annual Aviva Charge of no more than 0.4% is payable on all monies in funds or cash in the Aviva Stocks & Shares ISA. It is calculated daily and taken monthly from the cash account. Investments may be sold to cover a charge if cash is not available.
  • Charges are the Aviva Charge plus the fund manager charges for any funds you have selected. Information on fund charges can be found in the Key Investor Information Documents.

There may be other charges you'll need to be aware of – you can read more about these on our charges page.

Before you continue

While we can give you all the facts about our products and services, we can't give you personalised financial advice and nothing on our website is a personal recommendation.

We also don't assess the suitability of the investment - meaning you won't receive the protection that applies when investments are subject to assessment - so make sure you're certain the Aviva Stocks & Shares ISA is right for you and you're aware of the risks before you apply. If you are not sure if the Aviva Stocks & Shares ISA is right for you, then you should seek financial advice before going ahead. You may be charged for financial advice.

Important information

  • You can only pay into one stocks and shares ISA in any tax year.
  • The value of investments can go down as well as up. You may get back less than the amount that has been paid in.
  • You should think of your investment as a medium to long-term investment for a period of at least 5 years.
  • Please be aware that this is an investment product and isn't designed to hold cash in the long term.

When dealing with your order to buy or sell Investments, we will use all reasonable endeavours to achieve the best possible result for you under the circumstances.

To see the latest version of our Best Execution Policy, which can be found within the Order Execution Policy, please click here.

We have a policy to prevent conflicts of interest that might affect your investment. You can read a summary of this here.

By continuing with this application, you confirm that you've read our Fair Processing Notice (PDF 107KB), which explains how we share your data and what your rights are in relation to the personal information we use to process your application.

Ready to apply

You'll need a MyAviva account before you can apply. If you don't have a MyAviva account yet, registration is free and only takes a few moments.

  • You must be a UK resident aged 18 or over to apply
  • Make sure you have your National Insurance number at hand for the application process
  • You'll need either your bank details or debit card information to set up payments into your account

Contact us

Still need some help? Just give us a call.

0800 285 1088

Monday to Friday: 8:00am - 5:30pm

Weekends and bank holidays: Closed

For our joint protection telephone calls may be monitored and will be recorded and saved for a minimum of five years.

Annual allowance

This is the maximum amount of pension saving you can make to all your pension schemes in any tax year before a tax charge applies - currently this is £60,000. This includes contributions from employers/companies, as well as contributions you pay yourself. You may be able to carry forward the unused annual allowance balance for the three previous tax years. Individuals with income (including the value of any pension contributions) of over £260,000 and who have an income (excluding pension contributions) in excess of £200,000 will be subject to a tapered annual allowance. The rate of reduction in the annual allowance is £1 for every £2 of income over £260,000, up to a maximum reduction of £50,000.

Marginal rate

Income Tax is split into bands and you pay different rates based on these bands. The marginal rate of tax is the highest rate of income tax you're liable to pay in a particular tax year from all your sources of income. Any increase in income may affect your marginal rate, meaning you could have more tax to pay. Different rates of tax and thresholds between rates may apply in Scotland and Wales.

Tax relief

Each tax year you can get income tax relief on your contributions to all registered pension schemes as long as your total gross contributions are not more than the greater of your UK taxable earnings or £3,600. Currently this is 20%. So if you contribute £80 the Government will contribute £20, making the total contribution £100. We (Aviva) claim this tax relief for you and add it to your pension savings - this is called 'relief at source'. If you pay tax at more than the basic rate, you will need to claim the extra relief through your annual tax return. Note that tax rules and allowances in different parts of the UK may differ.

Money Purchase Annual Allowance (MPAA)

If you flexibly access your pension savings your annual allowance in respect of money purchase (defined contribution) pension arrangements is reduced to £10,000. This is known as the Money Purchase Annual Allowance. The provider of your pension arrangement will notify you if this applies. You will still have an annual allowance of £60,000 in total, but no more than £10,000 of this can be used to contribute to defined contribution pension plans, with the remainder being available for other types of pension investment.

Defined contribution pension

A defined contribution pension is where you and your employer, and possibly a third party like your spouse or civil partner can all make agreed contributions to your pension fund. By the time you retire, the size of the pension fund will depend on contributions made, length of time invested, investment returns and charges taken.

Defined benefits pension scheme

This is a pension scheme in which the members are entitled to a certain level of pension benefit. It is defined by a formula which typically uses the member's length of pensionable service in conjunction with their salary to help determine benefits upon retirement. A final salary pension scheme is probably the most common type of defined benefits pension scheme.

Platform provider and ISA Manager: Aviva Wrap UK Limited. Registered in England No. 4470008. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 231530.

MyAviva is owned and operated by Aviva Insurance Limited.