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What is a stocks and shares ISA?

A Stocks and Shares ISA is a savings account that allows you to take control of how your money is invested. We keep it simple with two investment options, one that invests fully in company shares and one that splits your money between company shares and other lower risk fixed interest investments. You then watch your money grow based on how your investments perform.

How much can I invest in a Stocks and Shares ISA?

For the current tax year, you can invest up to £20,000. You won't pay tax on any growth your investment makes, although this does depend on your circumstances. Tax rules can change over time.

How long should I invest in a Stocks and Shares ISA?

It’s entirely up to you. You can withdraw your money whenever you want but you could get back less than you’ve paid in. We recommend you aim to invest for at least five years to give you less chance of being affected by short term changes in the value of your investment.

What are the risks?

Our ISA invests in stocks and shares which means you could see more growth than cash over the long term – as with all investing, this approach does come with risk and you could lose money as well.

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What are climate-friendly funds?

If you choose to invest in our Global Equity Fund, up to 100% of your money will be invested in climate-friendly options. With our Global Mixed Fund, up to 35% is used to buy shares in climate-friendly options, while the rest is invested in lower-risk, fixed-interest assets.

When investing your money in climate-friendly options, our fund managers use a clever scoring system to rank companies by climate-friendly criteria.

More money is invested in companies that have:

A higher revenue percentage from “green” business activities, such as renewable energy production.

Lower greenhouse gas emissions in the event the company used all of its fossil fuel reserves.

A clear strategy and action plan to reduce greenhouse gas emissions.

A lower proportion of income from non-climate friendly activities such as drilling and mining.

Lower carbon emissions, including within their supply chain.

We also exclude the companies that score the lowest within each industry – meaning we don’t invest in them at all. Companies that are involved in things like building controversial weapons are also taken off the list.

This results in a portfolio of companies working towards causing less environmental damage compared to the companies non-climate-friendly funds are likely to invest in.

Find out more about our green investments

Why invest in a OneFamily ISA? 

We've over 45 years’ experience of being a trusted provider of financial products for children and adults, looking after over £5.5 billion for nearly 2 million customers.*

As a member-owned business, we want to have a positive impact on those around us. Our Inspiring Better Futures vision underpins our commitment to supporting our members and customers, creating an inclusive and diverse work environment and making a real difference in our communities.

Whether it’s offering affordable and accessible products to suit all types of savers, supporting our members with education grants, or giving back to our communities through charity partnerships and volunteering, our vision is at the heart of what we do.

*As at December 2022

See what your Stocks & Shares ISA could be worth

Choose how much you want to pay into your Stocks & Shares ISA and see how you money could grow 

This projection shows how your Stocks & Shares ISA could grow with low, medium and high performance. Remember, projections are not a guarantee of future performance and you could get back less than you pay in


Lower performance

After 5 years
You've invested £2,200

Projected value

5 years

Higher performance

What do these numbers mean?

How to open a OneFamily Stocks & Shares ISA

  • 1

    Choose a fund

    Decide if the Global Mixed or Global Equity fund suits your approach to risk

  • 2

    Apply online

    Our simple application process shouldn’t take longer than 10 minutes

  • 3

    Set up a Direct Debit

    Save at a rate that suits you and your budget

  • 4

    Grow your investment*

    Keep track of your ISA’s performance via your online account

Apply for your ISA

Got a question about our Stocks and Shares ISA? Try our FAQs

*Our ISA invests in stocks and shares so its value can go down as well as up. This means you could get back less than has been paid in.

Choose which fund you'd like to invest your Stocks and Shares ISA in

Our guides to ISAs

Feel fully informed when investing in your future.

ISA allowance limits

There are limits to how much money you can put into ISAs each year.

Find out how the limits affect you

Stocks and Shares ISA FAQs

Got a question about ISAs? Browse our frequently asked questions to get the answers you need.

View Stocks and Shares ISA FAQs


Transferring into our Stocks & Shares ISA.

Want to transfer your ISA to OneFamily?

If you’ve got an ISA with a different provider, you can transfer it to us free of charge. We accept transfers from Cash ISAs and Stocks & Shares ISAs with a balance of at least £250.


Transfer your ISA

Want to transfer your OneFamily Child Trust Fund money into this product?

If you want to transfer your OneFamily Child Trust Fund money into our ISA or Lifetime ISA you will need to register or log into your Child Trust Fund online account.