Compare Triodos ISAs
Compare ISAs from TSB and other ISA options available.
Investment ISAs put your capital at risk & you may get back less than you originally invested
- Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds
- Invest From: £25 pm
Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk.
- Fund Choice: Offering commission-free DIY investing from a choice of 700 ETF's, or low-cost professionally managed income or growth portfolios built for you
- Invest From: £100
Why we like it: Make the most of the world’s best ETFs commission free. Build your own portfolio commission free or leave it to our experts for just 0.25%. Zero‑ISA fees. Choice of 700+ ETFs. Low cost, diversified, index-tracking of stock markets, bonds and commodities. DIY or Managed. ETF costs apply. Capital at Risk
- Fund Choice: Over 12,500 investments, or a choice of five managed funds
- Invest From: No minimum
Why we like it: Take charge of your investment decisions and invest from just £1 to build your investment portfolio from over 12,500 investments, from stocks and shares, funds, ETFs and more. Low platform fee is a maximum 0.30%. Alternatively choose an expertly managed portfolio by selecting from a range of five actively managed funds that most closely matches your investment objectives and risk appetite with an annual review to ensure to ensure your money is being managed in a suitable investment strategy. Advice is restricted to Charles Stanley Direct’s in-house funds and is subject to a minimum investment £20,000. Capital at risk.
- Fund Choice: Nutmeg offer 5 investment styles with ETFs, using technology to keep charges low
- Invest From: Min. £500
Why we like it: Get a stocks & shares ISA portfolio – Choose one of five investment styles, either fully managed by Nutmeg’s expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see the fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Nutmeg are regulated by the FCA & are covered by the FSCS. ISA eligibility and tax rules apply. Capital at risk. Approved by Nutmeg 09/08/2024
- Fund Choice: Invest in over 2,000 funds, shares and more across 25 markets
- Invest From: £25 pm
Why we like it: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £3.50. Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
- Fund Choice: 10 managed portfolios to choose from. Choose your risk profile and have an investment Plan built and managed for you
- Invest From: £1
Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple Plans – including Ethical Plans – with different risk levels. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%
- Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term
- Invest From: £30 pm
Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments. Capital at risk.
- Fund Choice: Choose from a range of 36 funds and ETFs and 20 US stocks. Select one of three simple starting options with a range of tracker funds or build your own investment portfolio by customising your investment options
- Invest From: £1
Why we like it: Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox. Earn 3.5% AER Variable on any uninvested cash you hold. There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information. Keep things simple and get started with one of our three starting options: Cautious, Balanced or Adventurous – and customise your investments to align with your values. Open with as little as £1. When investing, your capital is at risk
- Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio
- Invest From: £25 pm or £100 lump sum
Why we like it: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk.
- Fund Choice: TILLIT filter the market and select the best-in-class active and passive funds across asset classes, regions and styles
Why we like it: Let Tillett filter the market for you. From well-known classics to trailblazers and wildcards. No one needs 5,000 funds. Get breadth and variety, without the choice paralysis
- Fund Choice: Invest in 6,100+ US, UK & European stocks & ETFs commission-free
- Invest From: £2
Why we like it: Commission-free investing: No fees for buying or selling stocks (other charges may apply). Support: Fast and friendly customer support. A wide range of investments: 6,100+ US, UK, and European stocks, ETFs, and investment trusts. Low monthly fees: From £4.99/month. Capital at risk. Other charges may apply
- Fund Choice: Allocate your savings between a cash money market fund from L&G and investment shares fund from Fidelity
- Invest From: £10
Why we like it: App based stocks & shares ISA account. Choose to allocate your contributions between the two funds on offer in whatever proportion you choose: a shares fund (Fidelity Global Index fund) which aims to track the performance of global stock markets and therefore large companies such as Amazon, Facebook, Google and Johnson & Johnson, and a cash fund (Legal & General Cash Trust fund) which aims to provide returns in line with money market rates. Annual fee of 0.5% on the value of any investments. Two funds with their own management fees of between 0.12% and 0.15%. Change your allocation at any point. Option to opt into Round ups – collected from your bank by direct debit on a weekly basis and invested in line with your investment allocation
- Fund Choice: Invested in a single fund - the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund
- Invest From: £10 pm o r £100 single
Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. You can stop, restart, raise or lower your payments or your investments and cash in whenever you want. When you set up a My MoneyBuilder Select (ISA), your money will be invested in a single fund – the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund. Remember the value of investments can go down as well as up, and you could get back less than you’ve paid in. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value.
- Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
- Invest From: £1,500
Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free. Capital at risk.
- Trade From (frequent trader rate): £3.00
- Trade From (standard trader rate): £8.00
Good to know: Pay zero commission on US share trades, and just £3 on UK share trades, when you trade three or more times a month with IG. No admin or transfer fees. Custody fee of £24 per quarter, charged if you hold share dealing or ISA assets at the end of the quarter. Capital at risk. Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 69% of retail investor accounts lose money when trading spread bets and CFDs with this provider
- Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose
- Invest From: £25 pm
Why we like it: This award-winning ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. There is a low service fee (typically 0.35%), easy online application process and apps to manage your money on the move. Additional charges apply depending on your choice of investments. Plus, everything is backed by Fidelity’s 50 years of investment experience. Boring Money Best Buy ISA 2023
Who are Triodos Bank?
Triodos Bank are an ethical bank headquartered in the Netherlands with branches in multiple European countries, including the UK.
Founded in 1980, they advocate a sustainable banking policy within their lending and investing criteria. This includes a screening process ensuring that they only invest and lend to companies and charities making some form of social, cultural or ecological benefit.
Common investment sectors for Triodos bank include renewable energy and sustainable farming, while they rule out investing in companies with any involvement in nuclear energy, fur, weapons, and environmentally dangerous materials.
Triodos offer a range of financial services to retail customers including bank accounts and savings accounts, including Cash ISAs and Stocks and Shares ISAs.
What is an ISA account?
An ISA account is a type of savings account for individuals that shelters your savings and investments from UK tax.
You are allowed to contribute up to £20,000 to ISAs in the current tax year, and your allowance refreshes in April each year.
You can split your £20,000 allowance between a Cash ISA and Stocks and Shares ISA, but you can’t invest in more than one of each ISA type in the same tax year.
Within an ISA, the money you save is completely free from the following forms of tax:
- Income Tax – interest and dividends from your investments are usually taxable, but not in an ISA.
- Capital Gains Tax – you usually pay tax on the growth of any stocks and shares you invest in, but these profits are tax-free in an ISA.
What’s the difference between Cash ISAs and Stocks and Shares ISAs?
Cash ISAs and Stocks and Shares ISAs are the two main types of ISA accounts.
Cash ISAs are for cash savings only – you earn an interest rate on the value of your account.
Stocks and Shares ISAs can invest in the stock market through shares, funds and other investment vehicles – the value of your account can go down as well as up.
Cash ISA Basics:
- Cash ISA savings cannot go down in value
- Earn either a fixed or variable rate of interest on your balance
- Invest for a fixed term, or in an instant-access Cash ISA that allows for withdrawals
- The interest you earn is 100% tax free
Stocks and Shares ISA Basics:
- Invest in funds, shares, ETFs and other investment assets
- The value of your ISA can go down as well as up
- You can benefit from tax free growth and dividends
- You can usually withdraw at any time
Triodos Bank offer Cash ISAs and Stocks and Shares ISAs.
What type of Cash ISA does Triodos offer?
Triodos’ Cash ISAs are unique in that they maintain their ethical standards when selecting whom they will lend your money to.
Triodos current only offer a variable-rate instant-access Cash ISA and not a fixed-rate ISA product.
Triodos Cash ISA features:
- Variable interest rate
- Instant withdrawals are permitted
- Your investment cannot go down in value
- No tax to pay on your earned interest
What type of Stocks and Shares ISA does Triodos provide?
Interest rates in the UK are at record lows which has led to many people preferring to invest in the stock market in search of greater returns.
Triodos’s Stocks and Shares ISA enables you to invest in their three impact investment funds – each of which is managed with a strict ethical policy held at the forefront of all investment decisions.
Triodos Stocks and Shares ISA features:
- The value of your investments can fall as well as rise.
- No tax to pay on your investment growth or dividends.
- Withdraw at any time.
How do I open a Triodos ISA?
You can apply for a Triodos ISA online and create an account within a matter of minutes.
To open a Triodos Cash ISA you must be at least 16 years old.
To open a Triodos Stocks and Shares ISA you must be at least 18 years old.
You must also be a UK resident to invest in an ISA and own a UK bank account that you can make your initial contribution from.
Can I transfer my existing ISA to a Triodos Bank Ethical ISA?
Yes, you can transfer any of your previous years’ ISAs held with other providers into a new ISA account with Triodos.
To do so, you will need to complete Triodos’s ISA transfer form and return the form to them in the post.
Triodos will then complete your ISA transfer for you on your behalf.
Make sure to:
- Check with your previous ISA provider whether you’ll be charged for transferring out.
- Complete an ISA transfer form and don’t withdraw your ISA manually and transfer the funds to Triodos – this will result in you losing your ISA allowance.
Frequently Asked Questions
Are ISA accounts safe?
ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.
Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses.
Am I committed to one ISA provider forever?
No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.
Can I have a Joint ISA?
No, ISA stands for Individual Savings Account and must be solely owned for tax purposes.
Can I lose money in an ethical ISA?
Yes, you can. The value of your underlying ethical investments will go up and down, so you could lose money, particularly over the short term.
Can I transfer my ISA into an Ethical ISA?
If you have a Stocks and Shares ISA already then you will just need to sell your investments and purchase ethical investments instead.
If you need to transfer to another provider for access to a wider range of ethical funds, you can do so by completing a form with your new ISA provider.
You can also easily transfer a Cash ISA into an ethical ISA using this same method.
Can I withdraw money from an Ethical ISA?
Yes, you can withdraw money at any time from your ethical ISA investment.
How do I open an ethical ISA?
You can open most ethical ISAs online, over the phone or by post. You will need to make a debit card contribution or set up a Direct Debit to start your account.
Will I be charged for an ethical ISA?
Your ethical ISA provider will take ongoing and ad hoc charges from your account. These will be outlined in the provider’s terms and conditions. You should consider this when you compare ethical ISAs to invest in.