i-stock does not provide financial advice and if you have any questions about the suitability of the service you should speak with a financial adviser.

If you would like to speak with an adviser, you can contact our Helpdesk who will forward your enquiry to a regulated adviser. This action will take you away from i-stock and you will be contacted within two working days by an adviser. Please note; a firm will charge for this service and their advice.

An investment means putting money into an asset, with the aim of its value increasing over time.

Investing provides the opportunity for your money to grow over time and enable you to create greater wealth.

Investments may fall as well as rise and past performance is not an indicator of future performance. You may get back less than your initial investment.

ISA stands for Individual Savings Account.

An ISA is an Individual Savings Account, which allows you to save and/or invest, with any gains being completely tax free.

You will not pay tax on any gains within an ISA.

Your ISA will be created by i-stock when you deposit money into your account. We will do all of the work on your behalf.

There are five types of ISAs; cash ISA, stocks & shares ISAs, Innovative Finance ISAs, Help to Buy ISAs and Lifetime ISAs.

Stocks & shares ISA only.

You can transfer a Stocks & Shares ISA or a Cash ISA you may hold elsewhere to i-stock. This is a manual process, but i-stock will administer this on your behalf. Transferring an existing ISA to i-stock will allow you to access the benefits of our investment offering across your wider savings pot.

You can transfer a Stocks & Shares ISA or a Cash ISA to i-stock, and your money will be invested in your chosen investment fund, within our Stocks and Shares ISA.

Your ISA can hold your investments. It is a tax efficient investment account with an annual limit on what you can invest. For more information please refer to our ISA page.

The annual ISA allowance is set by the government and subject to change. In the 2020/21 tax year, the ISA allowance is capped at £20,000 per year.

The minimum you can invest is £12.50 a week, £50 a month or a one-off payment of £100.

Stocks and shares ISAs allow you to access investment funds which will subsequently invest in an array of different holdings.

No

The maximum amount that you can invest in an ISA in the 2020 to 2021 tax year is £20,000. If you have already used some of your annual allowance, this amount you can invest going forward will be lower. It is your responsibility to establish how much you are able to invest in an ISA with i-stock. You will need to agree to our terms and conditions before you invest, which states you are not exceeding your annual ISA allowance of £20,000.

i-stock will never charge you any fees or issue any penalties for withdrawing your money. Depending on your chosen investment fund, there may be additional charges such as entry charges or exit charges. For more information about charges please refer to the "Charges" section of the Key Investor Information Document (KIID) for your chosen investment fund, or the "Charges and Expenses" section of the Supplement for your chosen investment fund. The KIID and Supplement for each of the available investment funds on i-stock can be found on our website, under the "Investment Fund Options" section.

You can monitor your investment within the i-stock app. The performance of your investment is tracked within your valuation homepage, and you will also be sent a performance report summary every 3 months.

Yes, you can do this on a month by month basis or set up an automatic monthly direct debit. This offers a convenient way to increase your overall monthly savings.

Yes, you are able to instruct withdrawals from your investment at any time. It may take a few days for your withdrawal to settle, but the cash out process can begin whenever you choose. The i-stock ISA is not flexible, meaning if you choose to make a withdrawal from your ISA, you will not be able to replace these funds within the current year's ISA subscription limit. For example, your annual allowance is £20,000 and you put £10,000 in during the 2019 to 2020 tax year. You then take out £6,000, leaving you with £4,000. The amount you can now put in during the same tax year is £10,000, which will leave you with a total of £14,000 (you cannot re-subscribe the £6,000 that you withdrew). 

If you make a deposit with i-stock, your money will be held in a Barclays client account under the name of Gaudi Regulated Services Limited (Gaudi is the product provider for the i-stock ISA. Gaudi are authorised and regulated by the Financial Conduct Authority with FCA number 488015). Gaudi have responsibility for the administration of the client account and have appointed Quai Administration Services Limited to manage the day to day running of the client money account (Quai are the outsourced administrator for the Barclays client account).

The money will be used to purchase units in the investment fund of your choosing. These units are held and administered by a company called Winterflood Securities Limited (Winterflood are the custodian who hold the units on your behalf. Winterflood are authorised and regulated by the Financial Conduct Authority with FCA number 141455). Once you have chosen your investment fund, units in that fund will be purchased by Winterflood, and the money will be held by the depositary for your chosen investment fund. When you make a withdrawal from i-stock, Winterflood will sell the units back to the fund in exchange for their current value. The proceeds will then be sent back to the Barclays client account before being returned to your designated bank account.