Skip to main content
HomeChoose an account › TD ISA

TD ISA

Why choose a TD ISA

Invest up to £15,000 tax efficiently in the TD Stocks and Shares ISA - choose from regular and lump sum funding options, a large range of eligible UK and international stocks and over 2,000 funds using our Fund Selector, all in one place on our easy to use platform.

Account Features

£15,000 annual allowance in the current tax year (2014/2015)*

For balances over £5,100 at the end of May there's no yearly administration fee. See our Rates & charges

Administration fee of £30 + VAT if your balance is less that £5,100. See our Rates & charges

Ipad and mobile apps to manage your investments

Fund Selector helps you meet your investing goals

Reinvest dividends automatically for FTSE 350 companies from £1.50

Invest in qualifying bonds and gilts including those with less than 5 years until redemption

Vote online with our free shareholder rights service

*TD Direct Investing only offers a stocks & shares ISA and ISA rules state that you can only put new money into one stocks & shares ISA or one cash ISA each tax year. Junior ISAs have different limits and eligibility, currently we don't offer Junior ISAs

Choice & Flexibility

Investment choice & flexibility

Take control of your investments and invest up to £15,000 tax efficiently in a range of eligible stocks including AIM stocks, funds, bonds, gilts, cash and access UK and international markets.

Compensation Arrangements

Cash and stock held within the TD ISA are both treated as a "protected investment" by the Financial Services Compensation Scheme (FSCS). The FSCS will pay a maximum of £50,000 per person, per firm in compensation for protected investments.

It pays to invest early...

Why wait to use your remaining allowance? . . .
See how using your annual ISA allowance early could accelerate the growth of your portfolio . . .

Regular Investing

Invest from £25 per month in Funds and FTSE 350 stocks to make small monthly contributions into your TD ISA. Choose Funds and pay no commission with a platform fee of 0.30%, but other fund manager charges may apply. Choose from FTSE 350 stocks for just £1.50 commission.

Tools & Information

Build your knowledge

If you want to learn more about investing you can explore our videos and guides as well as the most popular investments of TD investors

Stock Watch

Monitor, practice and test your trading strategies using our stockwatch tool.

Fund Selector

Search over 2,000 funds using our Fund Selector tool to help find the right one for you.

Keep your investments in the palm of your hand

Manage your investments where ever you are with our mobile and tablet apps.

ISA Funding

Want to transfer an existing ISA from another broker?

You can transfer an ISA from this tax year, or a previous one into your TD ISA. Learn more about transferring your ISA. If you’re unsure about whether or not transferring is right for you, you should speak to an independent financial advisor.

Flexible and easy ways to pay in

Debit card - Login and go to Payments & Transfers then select Fund My Account.

Direct Debit - Set up a monthly Direct Debit from as little as £25 per month.

Internal cash transfer - Make an instant online payment from your linked Trading Account.

Bed & ISA - Sell eligible investments in your Trading Account (commission free) and buy them in your TD ISA at your online rate.

SAYE/Share Incentive Plan - Transfer shares from an approved SAYE option scheme or Share Incentive Plan. Download the SAYE Instruction Form.

During the transfer process there may be a period of time when you'll be unable to sell your investments and how long this takes will depend on how complex the transfer is. You can track your transfer online in your account.

Got existing investments?

Use our simple online Bed & ISA process to transfer existing share holdings directly into your TD ISA.

Missed Tax Year

If you've not subscribed or applied to subscribe to your TD ISA in the previous tax year, you need to use our ISA missed tax year feature before you can fund your ISA again.

Login and go to Account Administration/Account Upgrades (making sure your TD ISA is selected) and choose ISA missed tax year.

  • 1
  • 2
  • 3

Before you apply, there are a few things you need to be aware of

Risks

All trades carry a varying degree of risk and it's important you understand the nature of risk.

Learn more

Your money and investments

It's important to understand how your money and investments will be held.

Learn more

Conflicts of interest

We have a policy that identifies circumstances which may give rise to conflicts of interest.

Learn more

Terms of service

Before you open an account with us you will be asked to confirm that you have read our client terms of service.

Learn more
  • 1
  • 2
  • 3

Online investment costs

 

Funds


£0
For buying or selling funds online

0.30%
Funds Platform fee up to £250,000*

* Other fund manager charges may apply.

Sharedealing


£12.50
Online flat rate per trade

If you are an active trader, this could be as low as:
£5.95*

* When you trade online 20 times a month for 3 months

Rates and charges?

  • 1
  • 2
  • 3

Apply now and start investing today

 

The application will only take
about 10 minutes

Apply Online
Retrieve application

We want to make sure that you're comfortable with the risks of ISAs, so please remember that the value of your investments can go down as well as up and you may not get back all the money you put in.

The tax treatment of these products does depend on your circumstances and might change. If you're in any doubt about the suitability of the TD ISA, you should seek independent financial advice.

What you'll need:

Your address details for the past 3 years

Your debit card details

A valid UK contact number

A valid email address

Your employer details, including the address

Your national insurance number (if applicable)

Or

Apply by phone

0845 607 6002

Monday-Friday 07:30-21:00
Saturday 09:00-15:00

Apply by post

Download the form and return it to:

Customer Accounts Dept.,
TD Direct Investing,
Exchange Court,
Duncombe Street,
Leeds, LS1 4AX

Choose the right account for your needs

We offer a wide range of account types, with something to suit every investment need. To equip you with all the information you need to choose the right account for you, you'll find a wealth of useful information to get you started.

The value of your investments and the income derived from them may go down as well as up. You may not get back all the money that you invest.

Still can't find what you're looking for?

Email us

If you can’t find the answer you were looking for in our FAQ’s – please email us with your enquiry.

Call us

0845 607 6002

Monday-Friday 07:30-21:00
Saturday 09:00-15:00

Write to us

Customer Resolution,
TD Direct Investing (Europe) Limited
Exchange Court,
Duncombe Street,
Leeds, LS1 4AX

Support, Chat and Share

Follow us on Twitter

@TDDirect_UK

Top 3 TD customers' UK Buys and Sells

Week commencing Monday 16th February 2015

  Top 3 Buys Top 3 Sells
1 Afren Plc - AFR Afren Plc - AFR
2 Centrica Plc - CNA Lloyds Banking Group Plc - LLOY
3 Lloyds Banking Group Plc - LLOY Barclays Plc - BARC
See all Top Buys and Sells

The Top Ten Buys and Sells should not be taken as a recommendation to buy or sell any particular bond or stock, and it is not intended to offer any form of advice. Instead it is simply an indication of the general buying and selling trends amongst some TD customers, observed during the period stated.

Transfer Checklist

There is no charge to transfer your ISA to us but your existing provider may have transfer out fee so please check this.

Please make sure that you are aware of all associated Rates and Charges.

Make sure that you have read our Terms of Service, including the ISA supplemental Terms of Service.

If you are transferring a cash ISA into a stocks & shares ISA you should be aware of the additional risks as the value of your investments and income derived from them may fall as well as rise and you may not get back all the money you invest.

If you are transferring multiple ISAs you'll need to complete a separate transfer form for each.

You can freely transfer between a cash and stocks & shares ISA.