Join over 3.5 million people who use a Stocks and Shares ISA to grow their savings*
Join over 3.5 million people who use a Stocks and Shares ISA to grow their savings*
Squirrel away up to £20,000 each tax year and enjoy the feeling of tax-free growth on your investment.
*UK HMRC Data, June 2022
Powered by 
ISA A simple way to start investing is with an Individual Savings Account (ISA).
With no tax on earnings, you can understand why so many people choose them.
Did we mention they're tax free?!
Put in up to £20K each tax year and forget about any capital gains or income tax on any earnings.
Your money’s not locked away
Take out your money any time without the worry of any nasty penalty charges.
Supporting a better future
The option to choose to invest in our Targeted range of portfolios to feel good about your money.
Easily transfer an existing ISA
Already have an ISA elsewhere? No problem. We can switch one or more ISAs into your &me account.
&me consultants on your side
Your &me consultant is always on hand to help at no extra cost.
Powered by M&G Wealth
&me is powered by a range of M&G Wealth managed portfolios, meaning you benefit from a lifetime of expertise.
unlike stocks and shares investments which are less secure.
time With no commitment to invest, see how &me could grow your money and help you feel invested.
With investment, your capital is at risk.
Tax treatment depends on your individual circumstances and may change in the future.
To save or invest? Is that really the question?
Both saving and investing have their merits. Smart investors consider both.
source: Morningstar (2023), total return, 01/01/2007 to 30/06/2023
● FTSE All Share total return – £2,302.7
● UK Savings 2500¹+ Invt NR – £1,065.5
● UK Retail Price Index – £1,866.9
Both saving and investing aim to grow your money. The crucial difference is that when investing, you need to accept a level of uncertainty about how much you’ll get back.
It can seem like money sat in a savings account never goes down. In reality, the rising prices of everyday goods such as food, fuel, and utility bills (shown in the UK Retail Price Index above) means the spending power of your money becomes smaller over time.
Unlike savings, investing is linked to the performance of individual companies and assets, so the value will fall and rise over time. Historically, investments have performed better over longer periods of time².
One solution is to consider both. Having enough money in savings gives you the reassurance should an emergency crop up. With some savings tucked away, you’re in a good position to start thinking about investing.
¹ The UK Savings index shown is compiled from an aggregate of 19 bank and building society rates, chosen to represent the industry as a whole, for a deposit of £2,500. The accounts in the UK Savings £2,500 Index are all instant access accounts. The Index shows the returns to a saver Net of Tax.
² But remember, just because they’ve over-performed savings in the past, it doesn’t necessarily mean they’ll continue to do so in the future.
Unlock your
financial potential
For insights, tips and expert guidance on ISA investing, head over to the &me blog.
As your money grows, your fee % shrinks
Start investing with a minimum of £500.
Below are our competitive annual fees for managing your money.
Invested amount
Management fee
Up to £10,000
0.75%
£10,000 to £20,000
0.70%
£20,000 to £50,000
0.65%
£50,000 to £100,000
0.60%
£100,000 to £250,000
0.45%
£250,000 to £500,000
0.40%
£500,000+
0.35%
The &me Classic portfolios are a lower-cost way to invest with &me. Our passive portfolios invest in equities and bonds across different regions such as US equities and UK corporate bonds and also hold some cash. Investment experts from M&G Wealth decide which investments to use and how much to invest in each asset class on your behalf, based on a range of factors including the potential to generate long-term returns for investors.
Below are the rest of the fees for our Classic portfolios. We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf. The cost of buying an asset is usually more than the price you can sell it for. The difference in these two prices is called the market spread. We include this information here to give you a clear idea of the total fees you pay when you invest. There is no market spread fee on the Targeted portfolio range.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.19% | £3.17 |
| Market Spread | Up to 0.04% | £0.67 |
| Total | Up to 0.88% | £14.67 |
The &me Targeted portfolios invest in a blend of active and passive funds. Our actively-managed portfolios invest in equities, bonds and ‘alternatives’ (like investments in infrastructure) and also hold some cash. Being actively managed means the investment experts from M&G Wealth continually review a range of factors like the analysis, performance and global trends so they can make ongoing decisions about where to invest, and find new opportunities with the potential to deliver long-term growth for investors. They’re designed for people who want to know their investments are creating a positive impact to society and the planet while they work to generate competitive returns.
Below are the rest of the fees for our Targeted portfolios.
We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.42% | £7.00 |
| Total | 1.07% | £17.83 |
Easily transfer
any existing ISAs
Whatever ISAs you have, wherever you have them, we’ll do the hard work to bring them together.
Just let us know in the app that you want to transfer, share a few details, and we’ll talk with your existing providers. We’ll arrange for your existing account to be securely transferred to &me and we’ll never charge you a transfer fee*.
2. Choose to start an ISA
3. Select the transfer option
4. We’ll do the rest
* Please check with your existing provider if they’ll charge you any fees for transferring.
More information about ISAs
If you still have questions, get in touch and we’ll be happy to help.
You can invest up to £20,000 in our Stocks and Shares ISA during the tax year, which runs from April 6 to April 5 each year.
We ask that you start with a minimum of £500 and a maximum of £20,000. You can add amounts of £200 or more to any further contributions as long as you don’t add more than £20,000 in total during the same tax year.
Yes, the minimum initial investment required is £500.
Yes. You can choose from:
– The &me Stocks and Shares ISA: If you’re over 18 and want to enjoy the feeling of tax-free growth on your investments.
– or the &me Junior ISA: Contribute up to £9,000 per year on behalf of your child or grandchild to give them a financial head start.
We don’t offer cash ISAs, Lifetime ISAs, or innovative finance ISAs but you can transfer any you already have into your &me Stocks and Shares ISA.
Opening an ISA with &me is quick and simple. Download the &me app, allow us to guide you through each step of the process.
We’ll start by asking you a few questions to learn more about you. Then you can choose whether to start a new ISA or move money from an existing one. After that, we’ll help you choose the right investments to put in your account.
Absolutely. It’s your money after all.
If you do decide to withdraw your money, it’s important to consider your tax-free benefits. The government lets you add up to £20,000 to your ISA each tax year, regardless of any withdrawals you make. So if you were to add £18,000 to your &me ISA at the start of a tax year and then take out £8,000, you’ll still only be able to add £2,000 more throughout the rest of the year.
No. The best thing about transferring your ISA to &me is that you’ll still be able to make use of any remaining tax-free allowance you have.
Yes you can. When you open your account in the &me app, you’ll be given the option to open a new Stocks and Shares ISA or transfer from a cash or stocks and shares ISA you already have.
Absolutely. You can transfer any number of ISAs to your &me account. When you set up an account in the &me app, we’ll show you how simple it is to do this.
What’s more, when you transfer your existing ISAs to your new &me ISA, you won’t lose any of the tax benefits you’ve already gained.
Yes you can. When you transfer an existing ISA, it doesn’t affect your current tax allowance.
Start investing with 
With no commitment to invest, see how &me could grow your money and help you feel invested.
With investment, your capital is at risk and you may get less than what you invested.
Tax treatment depends on your individual circumstances and may change in the future.
