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£20K
You can invest up to £20,000 each tax year in an ISA and any gains are tax-free
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91%
Probability of equities outperforming cash saved over a 10 year period*
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3.9m
The number of people in the UK with a Stocks & Shares ISA
The ISA factor
ISAs shelter the savings of millions of people from tax.
Now, with the freedom to open more than one type of ISA each tax year, you can ‘mix and match’ ISAs, as you plan how best to reach your short and long-term goals.
Make the most of this year’s tax-free allowance before 5 April
With the end of the current tax year on Sunday 5 April 2026, please be aware of our opening hours and times (Monday to Friday) should you wish to contact our Customer Experience Centre for support with your ISA application and/or payments.
| Subscription type - for 2025 - 2026 | Deadline dates & times |
| New ISA applications & debit card subscription | 5 April - 23.59:59 - online |
| New ISA applications & Fund it via Cheque1 | 1 April - post |
| Bed & ISA2 | 31 March - Post |
| 2 April - 15:59 - Telephone | |
| Bed & ISA – certificated form (with a CREST Transfer form) & placed in the customer’s Dealing account3 |
20 March |
| Debit card payment | 5 April - 23.59:59 - online |
| 2 April - 15:59 - Telephone | |
| BACS (direct debit) requests4 | 5 April - 23.59:59 - online |
| 2 April - 15:59 - Telephone | |
| Transfer from your EQi Dealing account to ISA | 5 April - 23.59:59 - online |
| 2 April - 15:59 - Telephone | |
| Funding an account via Cheque | 2 April |
| Topping up via CHAPS or Faster Payments | 2 April - 15:59 |
| CSN to ISA deposits | 23 March |
| Transfer in of shares from a SAYE/SIP scheme | 23 March |
1. Subject to passing the application process. If failed, we are unable to credit the new ISA until Identification documents have been supplied. Please allow sufficient time for your application and payment to be completed.
2. The Bed & ISA deadlines assume that the shares are already held within an EQi dealing account.
3. Where shares are being sent in certificated form (with a CREST Transfer form) and placed in the EQi dealing account.
4. BACS payments take up to three days to clear but will be counted for the current tax year if made by the deadline.
5. Transfer from dealing accounts relates to cash, therefore stock would need to be sold before 16:30 on 27 March.
If you have any questions about making a payment, transferring investments, or opening an EQi ISA, our team is here to help. You can contact our Customer Experience Centre via webchat or by calling us on +44 (0) 345 0700 720. We are open Monday to Friday, 08:00 – 17:30, excluding UK public holidays.
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.
How to be tax smart
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1. Tax smarter
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.
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2. Investing independence
As you plan your tax smart future, take a look at our calculators and see what’s possible over time.
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How a flexible ISA can work for you
EQi is one of the few providers to offer a flexible Stocks & Shares ISA, giving you the freedom to withdraw money, and pay it back in the same tax year, without it counting against your annual £20,000 allowance.
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.
But 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?
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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
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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.
Three simple ways to start investing in your future
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EQi explains
Tax
Learn more about the tax benefits of an ISA
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INSIGHTS
ISA, SIPP or both?
An EQi customer discusses her reasons for holding both a SIPP and an ISA
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INSIGHTS
Types of ISA
Learn the difference between a cash ISA, Stocks and Shares ISA and Lifetime ISA
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Tools
Funds as you build
From Square Mile, the independent investment research business