FAQs for Sharesave customers joining EQi

Don't worry if you can access your EQi account but can't see your shares straight away.

Your account may be ready before the transfer of your shares has completed. Your shares will typically appear within five working days of your scheme's allotment date.

If they are still not showing after this time, please contact us.

You'll need your EQi account number, date of birth and selected numbers from your PIN to log in.

Your account number was provided once you opened your account on the EQi Portal. If you did not make note of it at the time, please contact us via web chat or by calling the Customer Experience Centre.

For step-by-step help, see our Guide to using your EQi account.

For step-by-step help, see our Guide to using your EQi account.

Once your shares are in your EQi account, you can choose to keep them or sell some or all of them.

You can also use EQi to explore other investments if you decide that you would like to build a broader investment portfolio.

Remember that the value of investments can fall as well as rise.

No. Once your shares are held in your EQi account, you do not have to sell them simply because your SAYE scheme has matured.

You can keep your shares for as long as you choose, subject to the terms and charges applying to your EQi account.

Yes. You can continue to hold your company shares in your EQi account.

Their value will move with the company's share price, so the value of your investment can fall as well as rise.

Once your shares appear in your EQi account, you can view your holding and its current value from your account dashboard.

Log in to EQi and select the account containing the shares you want to sell. From your portfolio, select sell next to the investment, choose the quantity you want to sell and request a quote.

You'll have the opportunity to review the quote before confirming the sale.

Yes. You can choose the quantity of shares you want to sell, so you do not have to sell your entire holding.

Dealing charges may apply when you sell shares. Please check the current EQi pricing page for the latest charges before you trade.

Share prices change throughout the trading day. When you request an online quote, you'll be shown the price available for your trade before you decide whether to proceed.

The value of investments can fall as well as rise.

The proceeds from the sale will be held as cash within the relevant EQi account once the trade has settled. You can then decide what you want to do with the cash, subject to the rules applying to that account.

A Stocks & Shares ISA is a tax-efficient account. Investments held within an ISA are sheltered from Capital Gains Tax.

Whether an ISA is right for you will depend on your individual circumstances. EQi does not provide investment advice.

EQi will transfer as much of your SAYE shareholding as your available ISA allowance permits into your Stocks & Shares ISA.

Any remaining shares will be held in your linked EQi Dealing Account.

If you want to put your shares into another Stocks or Share ISA or investment account, first check that the provider is able to accept them. If they can, you can then make the transfer request via the EQ Shareplan Portal.

If your scheme allows you to request a share certificate, it will be sent to you via post to your registered address. Please note that your share certificate is posted at your own risk.

SAYE shares can be transferred directly into a Stocks & Shares ISA within the permitted 90-day period without creating a Capital Gains Tax liability on the transfer.

Outside of this, the shares have to be sold outside the ISA with Capital Gains Tax implications and then the funds subscribed to the ISA and shares then purchased (also subject to dealing charges, stamp duty reserve tax and PTM levy).

Tax will depend on where your shares are held and your individual circumstances.

Shares held within an ISA are sheltered from Capital Gains Tax. Different tax rules may apply to shares held outside an ISA, including shares held in a Dealing Account.

Tax rules can change and EQi does not provide tax advice. If you're unsure how the rules apply to you, you should seek appropriate professional advice.

EQi can explain how your account works but cannot provide tax advice.

If you need advice about your own tax position, you should speak to a suitably qualified tax adviser or financial adviser.

When you open an EQi Stocks & Shares ISA, a linked Dealing Account is also opened for you.

For SAYE customers, this can be particularly useful if the value of the shares you want to transfer is greater than your available ISA allowance. The amount that can be transferred within your allowance goes into your ISA and any remaining shares can be held in your Dealing Account.

Log in to your EQi account and select Profile. Under your personal details, find your banking details and select change. Once you've updated the details, select submit.

See the Guide to using your EQi account for step-by-step instructions.

Yes. You can top up an eligible EQi account from your dashboard. The options available will depend on the type of account and any applicable contribution or subscription limits.

See the Guide to using your EQi account for step-by-step instructions.

Yes. EQi gives you access to a range of investments if you decide you would like to invest beyond your existing company shares.

You can search for investments and place trades through your EQi account. Before investing, make sure you understand the investment and the risks involved.