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Share Dealing - Equiniti Shareview Dealing Flexible ISA
Looking to make the most of your tax breaks?

A Flexible Stocks and Shares ISA from Equiniti can help shelter your investments from tax.

The key benefits of a Stocks and Shares ISA

 
You can invest up to £20,000 in a Stocks and Shares ISA for the 2019/2020 tax year.
 
You won’t have to pay additional tax on dividend income received from UK securities.
 
We are one of the few providers to offer a Flexible Stocks and Shares ISA.
 
You are also shielded from Capital Gains Tax (CGT) and although the current CGT annual allowance is £12,000 and you might not be too worried about breaching it, if you’re going to be investing over several years, you may well find that at some point in the future you are very glad of that CGT exemption.
 
Also of benefit is that you do not have to note investments in an ISA on an annual tax return if you file one.
 
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.

What is an ISA?

An ISA is an Individual Savings Account designed to shelter your savings and investments from tax. There are two main types of ISA: a Cash ISA for cash savings, and a Stocks and Shares ISA for shares and similar qualifying investments like funds (OEICs and unit trusts) and bonds. The Equiniti Shareview Dealing ISA is a Flexible Stocks and Shares ISA.

You can do your share dealing online, in real time, 8:00am and 4:30pm, Monday to Friday.

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What is a Flexible ISA?

We are one of the few providers to offer a Flexible Stocks and Shares ISA. This type of ISA allows you to withdraw cash from your ISA at any time and replace it, within the same tax year, without affecting your subscription.

For example, 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 Shareview Dealing’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.

A Flexible ISA ensures you get the most out of your annual subscription, allowing you to withdraw without impacting your annual subscription.

Investing

What can you invest in with the Equiniti Shareview Dealing ISA?

The investment remit scope for ISAs is very broad. This means you can create a balanced portfolio of investments including shares, corporate bonds and gilts.

You can also invest in a wide variety of other securities, such as investment trusts, exchange-traded funds (ETFs) and most stocks traded on what HM Revenue & Customs deem ‘Recognised Stock Exchanges’. For more information please visit www.hmrc.gov.uk.

Pricing

What are the costs of an Equiniti Shareview Dealing ISA?

Stock dealing charges are:

  • From £12.50 online per trade for general dealing.

  • £1.75 per trade with a regular investment.

  • £1.75 per trade with dividend reinvestment.

There is a Custody fee of just 0.25% of the value of your portfolio (payable half yearly, minimum of £12.00, maximum of £45.00).

Please refer to our Rates and Charges for further information.

Share certificates

Move certificated shares into an ISA

Although ISA rules prevent you from transferring shares from paper certificates directly into a Stocks and Shares ISA, with our ISA you get an Equiniti Investment Account at no charge, if an ISA fee is payable. You can use this account to transfer your certificated shares into and to help you put shares into your ISA*.

Once your shares are transferred in to an Investment Account you can sell them, transfer the money into your ISA and repurchase the shares within your ISA account, giving you the tax efficiencies. This can be done easily online or by calling customer services on 0345 300 0430. You will, however, be liable for any changes in share price which happens during this process. The sale of shares for the purpose may give rise to a Capital Gains Tax (CGT) liability.


To transfer your certificated shares into your Investment Account please complete a CREST transfer form and send it with your certificates to:

Equiniti
PO Box 4605
Worthing
BN99 6QY

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Your shares will then be held in electronic form on your behalf in the Investment Account. You can then follow the steps above to repurchase the shares and hold them in your Shareview Dealing ISA.

If you’re posting any valuable documents, such as share certificates, you may want to send these by registered mail.

Transfer a Stocks and Shares ISA

Transfer an existing Stocks and Shares ISA from another broker

To transfer an existing Stocks and Shares ISA from another broker, you will need to first open an Equiniti Stocks and Shares ISA (accepting our Terms and Conditions) and then complete an ISA Transfer-In form, sending it to:


Equiniti
PO Box 4605
Worthing
BN99 6QY

Download ISA Transfer-In 


We’ll liaise with your existing provider on your behalf. If there are any charges from your existing broker, we may be able to refund in total up to £200 (£100 per account). Terms and Conditions apply.

Initial Public Offering (IPO)

Apply for Shares through an Initial Public Offering (IPO)

Where Equiniti has been appointed as an intermediary you can now apply for shares available through an IPO directly from your Equiniti Investment Account or Shareview Dealing ISA, providing the shares are eligible for the latter, or both if your application will exceed your ISA allowance.

If your application is successful this means shares granted to you will normally be available within your portfolio on the company’s first day of trading.

Find Out More 

Useful Documents

Important Information

Before you start dealing please read the following documents.

Terms and conditions | Risk warnings | Rates and charges | Privacy notice

*There is an exception for shares arising from an approved employer share plan within 90 days.

Understand the risks

The price and value of any investments and any income from them can fluctuate and may fall. Therefore, you may get back less than the amount you invested. Past performance is not a guide to future performance.

We do not provide advice or make recommendations about investments. If you have any doubts about the suitability of an investment, you should seek advice from a suitably qualified professional advisor.

Help and support


What can you invest in with the Equiniti Shareview Dealing ISA?

The investment remit scope for ISAs is very broad. This means you can create a balanced portfolio of investments including shares, corporate bonds and gilts.

You can also invest in a wide variety of other securities, such as investment trusts, exchange-traded funds (ETFs) and most stocks traded on what HM Revenue & Customs deem ‘Recognised Stock Exchanges’. For more information please visit www.hmrc.gov.uk

CREST transfer form

To transfer your share certificate(s) to an electronic holding with us you'll need to download and complete a CREST transfer form. Guidance notes are included with the PDF form.

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What is a Flexible ISA?

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