Tax-free investing for your financial
goals, big and small.
No capital gains tax, no income tax — just pure growth.
Start from £1. No paperwork. Manage everything in one app.
FCA regulated
FSCS protection
App Store rating
Trust Pilot rating
Capital at risk. Tax treatment depends on individual circumstances and may change.
What is a Stocks and Shares ISA?
It’s a way to invest your savings without paying UK tax.
- Conserve more of your savings with zero tax on interest
- Contribute up to £20,000 total to your ISA accounts each year
- Build and run an ISA by choosing from an array of options
- Sell stocks or bonds without paying any capital gains tax
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Low cost, secure, fully-integrated accounts.
- No monthly fee, trading fees or commission — just pure growth
- UK-based customer service helpline open 24/7* for all your queries
- Withdraw from your account when you need without fees
- Collect earnings on your cash account with X% AER
- Invest your way: Ready-made portfolios and ethical options
One simple ISA account
- Choose from X,XXX stocks, bonds and ETFs
- Easily automate your contributions from £X
- X
- X
Low, transparent fees
Simple pricing, no surprises
Platform fee
Simple pricing with no platform fee
Annual fund fees
Range from £X-X
No hidden fees
Fees stay constant over time
Transparent fee
Read the transparent fee breakdown →
We believe transparency builds trust.
View full fee breakdown ›Secure, protected, compliant
Funds in our ISAs are held by regulated banks, in secure accounts
Your money is protected by the FSCS, up to £120,000
EC Markets is authorised by the FCA
Our services are guided by strict UK compliance and regulatory requirements
Data is secured by cross-platform encryption and biometrics
Your security comes first.
Who is the Stocks and Shares ISA for?
FAQ
Just as we don’t charge to open a Stocks and Shares ISA, there is no cost to transfer cash or investments into or out of one. You should verify that your current broker will not charge exit fees. For example, exit fees sometimes apply to fixed rate cash ISAs held with another broker.
You can start investing in a Stocks and Shares ISA with £1 and up. If you choose to pay into your account regularly, there is no required minimum deposit amount. As soon as your account is up and running, you can fund it however you’d like up until your regulated annual £20,000 allowance.
You can open a Stocks and Shares ISA if you’re over the age of 18 and UK resident for tax purposes. You should also be: informed on our charges, confident in choosing your own investments, comfortable making long-term investment decisions, and free from debt apart from lower-interest debt like student debt and mortgages.
You can use the EC1 app to choose from thousands of investment instruments for your Stocks and Shares ISA. These range from shares and bonds to funds and ETFs. We also will have chart views so you can monitor their performance.
If you contribute more than the £20,000 annual allowance into your ISA, any amount which exceeds your allowance won’t qualify for tax relief. The £20,000 is spread across all your ISAs, whether they are held by EC Markets or another broker.
It’s easy to keep growing your savings by setting up automatic contributions. You can use the app to pick a payment schedule to fund the Stocks and Shares ISA, whether that’s weekly, monthly or bi-monthly.
It’s straightforward to transfer money from a Cash ISA to a Stocks and Shares ISA by using our ISA transfer service.
It’s not possible to directly transfer shares and investments into a Stocks and Shares ISA. If you want to sell them, you can sell them in your dealing account, then buy them back within an ISA, a strategy known as a Bed and ISA. This will incur dealing costs and capital gains tax if you have exceeded your allowance, but longer-term you could save on larger amounts of capital gains tax by making the transfer.
You can normally choose between transferring all the investments from your current broker, or just some while retaining your existing account. You must check with your current broker to see what they allow. If we can’t do a partial transfer we will notify you.
If you are not ready to invest yet, you can hold your funds as cash in your Stocks and Shares ISA until you are. If you are unsure where to invest, you can do research using our AI tools and in-app community forums, or find an authorised financial adviser.
The earnings created by investments in a Stocks and Shares ISA can be handled in various ways. You will need to choose whether they are paid directly to you, put into your cash account or reinvested back into whichever investment created it. Before investing, you should always check that the instrument does not require automatic reinvesting.
You can open as many Stocks and Shares ISAs as you like through different providers. At EC Markets, we allow up to 10.
Secure your future with a Stocks and Shares ISA
Open a Stocks and Shares ISACapital at risk. Invest responsibly.
| Channel | Availability | Details |
|---|---|---|
| Email Support | 24-hour response time | For detailed inquiries, documentation, or complex issues. [email protected] |
| Phone Support | 8am – 6pm (UK Time), Monday to Friday | UK-based support for urgent matters. +44 (0)20 7621 7978 |