Invest with an Emma Stocks & Shares ISA
Open a Stocks & Shares ISA to invest in 25+ funds from leading global providers, grow your money tax-efficiently and invest up to £20,000 each tax year, with easy access anytime.
Capital at risk.
What is a Stocks & Shares ISA?
A Stocks & Shares ISA is an individual savings account that lets you invest your money in the stock market. You get an annual allowance of £20,000, which resets at the start of each new tax year.
Plus, you’ll earn 3.00% AER on any money you hold as cash in your Emma Stocks & Shares ISA before investing it.
Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk.
What else should I know about the Emma Stocks & Shares ISA?
Yes, it’s a “Flexible ISA”
Withdraw money and replace it within the same tax year, without eating into your annual ISA allowance.
You are responsible for monitoring your own ISA allowance to ensure that your deposits and withdrawals remain within HMRC limits for the tax year.
Who can open an account
You must be aged 18 or over, live in the United Kingdom, and hold a valid UK bank account in your own name.
US citizens and residents of the Channel Islands are not eligible.
From the 2024/2025 tax year, you can open more than one Stocks & shares ISA in a tax year.
Tax information
No Capital Gains or Income Tax on returns. ISA allowance applies, you can invest up to £20,000 per tax year across all your ISAs.
Tax treatment depends on your personal circumstances and is subject to change in the future.
Stocks & Shares ISA vs. General Investment Account
| GIA | Stocks & Shares ISA | |
|---|---|---|
| Tax | May pay Capital Gains or Income Tax | Tax-free investing |
| Limit | No investment limit | £20,000 per tax year |
| Access | Withdraw anytime | Withdraw anytime |
| Key benefits | Flexible investing beyond ISA limit | Tax-efficient investing |
Tax treatment depends on your personal circumstances and is subject to change in the future.
Explore funds and ETFs across global markets
Choose from ready-made funds created by investment professionals, explore themed funds, or diversify with ETFs covering the UK, US, Europe and emerging markets.
We offer a curated selection from leading providers including Fidelity, HSBC, Vanguard, Legal & General, VanEck, BlackRock and iShares.
Capital at risk.
FSCS protection
Eligible investments may be protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per firm if the firm fails and your assets cannot be returned.
FSCS protection does not cover losses from investment performance, or if you get back less than you originally invested.
SECCL custody
Emma works with SECCL to safeguard your investments.
Seccl Custody Limited is authorised and regulated by the Financial Conduct Authority and is wholly owned by Octopus Group.
Let professionals do the hard work for you
Choose from ready-made funds managed by leading providers, with different levels of risk.
You choose what suits you, without needing to pick individual funds.
Explore themed funds
Choose from a range of themed funds that track specific sectors or investment themes — such as technology, healthcare, sustainability, commodities and more.
Each fund focuses on a particular area of the market, allowing you to invest in sectors that interest you or align with your preferences.
Themed funds can be more concentrated and may be more volatile than broader market funds. Make sure you understand the risks before investing.
Diversify with geographic funds
Invest in funds that focus on different parts of the world to spread risk and capture global opportunities.
Choose from a range of geographic funds that cover regions such as the UK, US, Europe, Asia, and emerging markets.
By investing across countries and regions, you can build a balanced portfolio that’s not tied to one economy.
3.00% AER
Earn 3.00% interest on your cash
Make every penny work harder. With Emma, your uninvested cash doesn’t just sit idle, it earns 3.00% AER while you decide where to invest.
You can withdraw anytime, or move your money into funds whenever you’re ready.
Stocks & shares ISA account fees
Our fees are simple and transparent. Your plan determines your annual AUM fee.
| Plan | AUM fee |
|---|---|
| Emma Ultimate | 0.10% |
| Emma Pro | 0.20% |
| Emma Plus | 0.45% |
| Emma Basic | 0.60% |
£0 trading charges (no fees on ETFs or fund buys/sells), fund provider charges (TER) are included in each ETF/fund’s price.
No hidden fees. Capital at risk.
Frequently asked questions
A Stocks and Shares ISA is a tax-efficient investment account available to UK residents. It allows you to invest in assets such as ETFs and funds without paying UK income tax on dividends or capital gains tax on profits made within the account. Tax treatment depends on your individual circumstances and may change in future. Capital at risk.
You can invest up to £20,000 per tax year (6 April to 5 April). This is your total ISA allowance across all ISAs you hold, including Cash ISAs and Stocks and Shares ISAs. Your allowance resets every 6 April. Any unused allowance does not roll over.
Yes. Emma’s Stocks and Shares ISA is flexible. This means you can withdraw money and re-deposit it within the same tax year without reducing your £20,000 annual allowance, as long as you replace the withdrawn amount before 5 April.
Emma charges a platform fee based on your plan: Emma Ultimate: 0.10% AUM Emma Pro: 0.20% AUM Emma Plus: 0.45% AUM Emma Basic: 0.60% AUM There is no account opening fee and we do not charge a separate trading commission when you buy or sell investments. Funds and ETFs have their own ongoing charges set by the provider.
Add money with a one-off investment from your bank app via Open Banking or by Direct Debit, or set up a regular investment by Direct Debit. You can also transfer an ISA from another provider. You can pay in up to £20,000 each tax year across all your ISAs.
To withdraw money, you’ll first need to sell your investments. Sale proceeds become available once the trade has settled, which can take several working days depending on the asset. Once available, you can withdraw to your linked bank account. Withdrawals do not affect your ISA allowance unless the withdrawn amount is not replaced within the same tax year.
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