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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?
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.
You have not yet selected any funds
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.
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
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
This document contains information on everything from charges and risks, to minimum contribution details and general information.
Aviva Investment Account
Learn more about the services we provide, who regulates us and more details about our product offering.
Aviva Investment Account
External account providers and interest rate
The cash account is where your money is held until you allocate it to investment funds. We pay interest on money held in the cash account at our variable rate. If the variable interest rate is less than what we charge for managing your Aviva Stocks & Shares ISA, the amount in the cash account will go down.
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 £50 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 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 in not available.
- Total 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 Document.
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.
- 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 funds 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.
We will always adhere to our 'best execution practices' as set out in our latest Order execution policy (PDF 153KB). What's more we also have a policy to prevent conflicts of interest (PDF 101KB) that might affect your investment. And if there's ever one we can't prevent we promise to let you know.
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
Still need some help? Just give us a call.
Monday to Friday: 8:00am - 6:30pm
Saturday: 8:30am - 12:00pm
For our joint protection telephone calls may be monitored and will be recorded and saved for a minimum of five years.
The maximum amount you can invest into defined contribution pensions each year and receive tax relief on – currently this is £40,000.
Individuals with income (including the value of any pension contributions) of over £150,000 and who have an income (excluding pension contributions) in excess of £110,000 will be subject to a tapered annual allowance. The rate of reduction in the annual allowance is £1 for every £2 of income over £150,000, up to a maximum reduction of £30,000.
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 to pay. The Government sets the levels of tax rates on an annual basis and these may be different under rules for different parts of the UK.
When you pay into your pension, you get tax relief at the basic rate of tax (currently 20%) on contributions up to the greater of £3,600 and 100% of your annual earnings, subject to an overall maximum (annual allowance) of £40,000. So a monthly payment of £100 will only cost you £80 as the Government pays the other £20. We (Aviva) claim this for you and add it 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 take any taxable benefits (such as starting income drawdown, or taking a lump sum other than your tax-free cash) by flexibly accessing a defined contribution (money purchase) pension plan, you will be subject to a money purchase annual allowance of £4,000 yearly for all future contributions to defined contribution pension plans. You will still have an annual allowance of £40,000 in total, but no more than £4,000 of this can be used to contribute to defined contribution pension plans, with the remainder being available for other types of pension investment.
A defined contribution pension is where you, your employer or 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.
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 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. Aviva UK Digital Limited introduces to Aviva Wrap UK Limited for ISAs.
Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen’s, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985.