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Stocks & Shares ISA

Our award-winning Stocks and Shares ISA gives you a wide range of investment choices.

What is an ISA?

An ISA (or Individual Savings Account) is a popular, tax advantaged way of saving.

Whether you're aiming for something specific - like a special holiday or a deposit for a property - or just interested in putting something away for your future, an ISA is the foundation for many savers.

Three different types of ISA

There are three types of ISA. Cash ISA, Innovative Finance ISA and Stocks & Shares ISA. Our ISA is the Stocks & Shares type, which means you invest your money hoping to benefit from investment growth over the longer term.

There are agreed limits set by the Government regarding how much you can invest into your ISA(s). For the 2016/17 tax year, the limit is £15,240 in total which can be invested into your ISA(s), which can be split between a Stocks and Shares ISA, an Innovative Finance ISA and a Cash ISA. You can only put money into one Stocks and Shares ISA, one Innovative Finance ISA and one Cash ISA in a tax year.

6 April

The start of a new tax year. You can take out an ISA at any time, but to make the most of the tax advantages it makes sense to start putting money in as early in the tax year as you can.


Important information

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested.

All investments carry an element of risk which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice.

Remember you can only contribute to one Stocks and Shares ISA, one Cash ISA and one Innovative Finance ISA each year, regardless of provider. If you have contributed to a Cash ISA and/ or Innovative Finance ISA this will reduce the amount you can contribute to a Stocks and Shares ISA.

Laws and tax rules may change in the future without notice. The information here is our understanding in February 2017. This information takes no account of your personal circumstances which may have an impact on tax treatment.


Who can apply?

If you are 18 or over and resident in the UK you can apply for a Stocks & Shares ISA. You must hold it in your own name and you can only pay in to one Stocks & Shares ISA each tax year.

We don’t accept applications by or on behalf of any US Persons.

Know your limits

You can save up to £15,240 into an ISA in the 2016/17 tax year. This can be split between a Cash ISA, an Innovative Finance ISA and a Stocks & Shares ISA if you want. The amount you can invest in an ISA(s) will rise to £20,000 in the 2017/18 tax year.

Saving for a child?

Consider a Junior ISA. You can invest up to £4,080 this tax year on behalf of a child.

In a relationship?

ISA allowances are individual. So if you are in a relationship you and your partner can both save up to the full limit each year.

You can also open a joint Investment Dealing Account.

All the tax advantages and flexibility you would expect

Our award winning servicing team, online administration platform and flexible product features mean the Alliance Trust Savings ISA Account delivers everything you would expect. And more.



Tax advantages


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  • No Income tax on your ISA income

  • No tax on capital gains in your ISA

  • Hassle free. No need to tell HMRC about income and capital gains from your ISA on your tax return.

Higher rate taxpayer?


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If your marginal rate of tax is 40-45%, there is no income tax to pay on income from your ISA, therefore the tax savings for you can be significant.

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Why ATS for your ISA?

  • Save regularly from £50 a month

  • Stop, start and change your payments whenever you like

  • 24/7 access to manage your ISA online

  • Over 4,000 investments to choose from

  • Account fees that don’t grow with your investment

  • Low monthly account charge of £10

  • Start trading online the same day

  • Access money when you want

  • Savings in your ISA grow free from additional income and capital gains tax
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Account fees that don’t grow with your investment

We charge you flat Account fees rather than fees based on a percentage of the value of your investment. So, as your investments grow, your Account fees won’t.


Visit our charges page to find out more about the flat fee difference.

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Existing customer?

Looking to top up your ISA?


The easiest and quickest way is our 24- hour online service. Log in using your Personal ID and password and pay by debit card.

Or call us on 01382 573737. Calls may be recorded for training and security purposes.
Login now to Top up

Maxed out your ISA limit?


Consider our Investment Dealing Account to invest more in the markets in a timely and cost efficient way.


savings tool

How much could your ISA be worth?

Use our savings tool to work out how much you might be able to save.
Use our savings tool


Alliance Trust Savings Limited is a subsidiary of Alliance Trust PLC and is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings gives no financial or investment advice.