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Your Investment Options


Funds you have chosen

As you have chosen an Aviva Insured Fund, you will only be able to apply for the Aviva Pension. The Aviva ISA and Investment Account do not allow investments into the Aviva Insured Fund range.

You have not yet selected any funds

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.

100.00 %

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.

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 (90KB)

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 investment funds. 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 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 is 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 Documents.

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 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

Contact us

Still need some help? Just give us a call.

Monday to Friday: 8:00am - 6:00pm

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

Annual allowance

The maximum amount which can be invested into defined contribution pensions for your benefit without incurring a tax charge is currently £40,000. This includes contributions from employers/companies, as well contributions you pay yourself. You can also 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 £240,000 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 £240,000, up to a maximum reduction of £36,000.

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 pay tax at a higher rate on your extra income. Different rates of tax and thresholds between rates may apply in Scotland and Wales.

Tax relief

Basic rate tax relief (currently 20%) will be added to personal contributions within your annual earnings (or £3,600 whichever is higher) but any that exceed the annual allowance limit will be subject to a tax charge. So if you contribute £80 the Government will contribute £20, making the total contribution £100. We (Aviva) claim this 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 benefits (such as starting income drawdown or taking certain taxable lump sums) 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.

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 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.