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EQi's flexible Stocks & Shares ISA

Open your ISA
  • £20K

    An ISA allows you to invest up to £20,000 per year and any gains are tax-free

  • £0

    The custody fee can be fully offset by online dealing commissions and funds platform fees.

  • 99.9%

    We meet best execution 99.9% of the time, if we don't we'll refund our commission

The ISA factor

How a flexible ISA can work for you

A Stocks and Shares ISA allows you to invest up to £20,000 per year and any gains are tax-free. Plus, we are one of the few providers to offer a flexible ISA.

It means that with an EQi ISA, you have the freedom to withdraw money, and pay it back in the same tax year, without it counting against your annual £20,000 allowance.

2023/24 ISA Subscription Cut-off period

Subscription Type for this financial year 2023/24 Completion or received by dates & times 2024 Additional notes
New ISA applications (online) & debit card subscription 5 April - 23.59:59 Subject to completion of the applications process in accordance with the EQi Terms & Conditions
New ISA applications (post) & Fund it via Cheque 4 April Subject to completion of the applications process in accordance with the EQi Terms & Conditions
Bed & ISA

4 April - Post
5 April - 15:59 - Telephone

Dates are based on holdings already within an EQi Dealing Account
Bed & ISA – where shares are being sent in certificated form (with a CREST Transfer form) and placed in the customer’s Dealing account 25 March Subject to the application process
Debit card payment

5 April 23:59:59 - online

5 April - 17:29 - telephone

 
BACS (direct debit) requests

5 April 23.59:59 - online

5 April - 17:29 - telephone

 
Transfer from your Dealing accounts

5 April - 23:59:59 - online

5 April - 17:29 - telephone

 
Funding an account via Cheque  5 April Subject to standard cheque payment verification
Topping up via CHAPS or Faster Payments  5 April - 15:59 Subscriptions must be made from the nominated bank account linked to the EQi account
CSN to ISA deposits 27 March  
Transfer in of shares from a SAYE/SIP scheme 27 March  

 

Investment risk warning

The value of investments can fall as well as rise and any income from them is not guaranteed and you may get back less than you invested. Past performance is not a guide to future performance.

EQi does not provide investment advice. If you are in any doubt as to the risk or suitability of an investment or product you should seek advice from an independent financial adviser.

The extent and value of any ISA tax advantages or benefits will vary according to the individual's circumstances. The levels and bases of taxation may also change.

Reasons to think ISA

  • 1. Tax smarter

    With a flexible Stock and Shares ISA, you can invest up to £20,000 in each tax year and you won’t pay Capital Gains Tax on any profits you make. Plus, your dividends are tax-free, too.

  • 2. Investing independence

    You can invest in companies from around the globe and in funds which offer a basket of ready-made investments. 

  • How does a flexible ISA work?

    With a regular ISA, if you subscribe £15,000 and then take £5,000 out, your annual subscription won’t adjust – it will remain at £15,000. This means adding another £5,000 would result in you reaching your annual allowance – even though your ISA would contain only £15,000.

    With EQi’s flexible ISA, if you took out £5,000, your ISA subscription readjusts to show the amount subscribed as £10,000. You’d be able to add a further £10,000 into the ISA before reaching your annual allowance.

    Before opening an account, please read our Terms and Conditions

Why is flexibility a benefit?

  • WHY EQI?

    Why choose a flexible ISA over a "standard" ISA?

    If you want the freedom to withdraw and replace funds during the year without it counting against your tax-free allowance, you should think about a flexible ISA

  • INSIGHTS

    Flexible ISAs: what's the story?

    Over the years a number of developments have made ISAs even more attractive. And now, we have the flexible ISA. Finance journalist Holly Thomas delves in to what flexible ISAs are all about.

  • EQi explains

    Tax

    Learn more about the tax benefits of an ISA

  • INSIGHTS

    ISA, SIPP or both?

    An EQi customer discusses her reasons for holding both a SIPP and an ISA

  • INSIGHTS

    Types of ISA

    Learn the difference between a cash ISA, Stocks and Shares ISA and Lifetime ISA

  • Tools

    Funds as you build

    From Square Mile, the independent investment research business