Transfer your ISA

You can transfer your existing ISA to i-stock. If you decide this is appropriate, upon your instruction, i-stock will arrange this for you and administer the transfer on your behalf. This will allow you to access the benefits of our 0% account fee for your wider savings pot.

This website is for information purposes only. i-stock does not provide financial advice and an account can only be opened via the i-stock app. The ISA transfer process is only available within the app, where you can find our ISA transfer form. 

Once the form is completed, i-stock will work with your current ISA manager to complete the transfer and notify you when this is complete.

You can download our app here:

Individual Savings Accounts (ISAs)

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What should I do if I think I need financial advice?

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.

What is an investment?

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

Why invest?

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

What are the risks?

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.

What does ISA stand for?

ISA stands for Individual Savings Account.

What is an ISA?

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

What are the benefits of an ISA?

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

How do I set up 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.

What types of ISAs are there?

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

WHAT TYPES OF ISAS DO I-STOCK OFFER?

Stocks & shares ISA only.

Can I Transfer my existing ISA(s)?

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.

WHICH TYPES OF ISA CAN I TRANSFER IN TO I-STOCK?

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.

How do ISAs work?

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.

What is my ISA allowance?

The annual ISA allowance is set by the government and subject to change. In the 2019/20 tax year, the ISA allowance is capped at £20,000 per year.

What is the minimum I can invest?

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

What are the benefits of a stocks and shares ISA?

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

Does i-stock offer a help to buy ISA?

No

How much can I invest each year?

The maximum amount that you can invest in an ISA in the 2019 to 2020 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.

Are there any penalties when accessing my money?

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.

Can I monitor my investment?

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.

Can I top up every month?

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.

Can I withdraw at any time?

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). 

Where does my money go when I make a deposit?

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.

i-stock

This website is for information purposes only. i-stock does not provide financial advice and an account can only be opened via the i-stock app which is available below.

i-stock Apple app download
i-stock PWA app download
i-stock Android app download

 

Opening an Account

When creating an i-stock account via the app, you will be asked to acknowledge that you have read, and accept, our Terms & Conditions, Privacy Policy, and the Key Features document for your chosen product (ISA or GIA). You will also be asked to confirm you have not received financial advice from i-stock.

Making a Deposit

When making a deposit, you will be asked to acknowledge that you have read the Key Investor Information Document (KIID) and been presented with the Brochure, Prospectus and Supplement for your chosen investment fund. All of these documents, for each of the available options, can be found on our Investment Fund Options page. You will also be asked to confirm you wish to proceed with your deposit and that you have not received financial advice from i-stock.

 

 

 

If you require any further information, you should find most answers in our FAQs, otherwise please feel free to contact the i-stock helpdesk. Alternatively, you can send us a message below.

By completing the form below you voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the appropriate data protection requirements

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i-stock is a trading style of Tavistock Wealth Limited which is authorised and regulated by the Financial Conduct Authority, FCA No: 568089. Registered in England and Wales. Registered O­ffice: 1 Bracknell Beeches, Old Bracknell Lane, Bracknell RG12 7BW, Company Number 07805960. Tavistock Wealth Limited is a wholly owned subsidiary of Tavistock Investments Plc. The product provider for the i-stock ISA and GIA is Gaudi Regulated Services Limited which is authorised and regulated by the Financial Conduct Authority, FCA No: 488015. Registered in England and Wales. Registered office 2 Oakridge Office Park, Whaddon, Salisbury, SP5 3HT, Company Number 06638918.

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