Wrap ISA

The Wrap Stocks & Shares and Cash ISAs (Individual Savings Accounts) from Standard Life Savings are open-ended, tax-efficient, medium to long term investment accounts. They provide your clients with:

  • The opportunity for capital growth, regular income or a combination of both
  • A wide fund choice from Aberdeen Standard Investments and other fund managers
  • All the main asset classes, investment styles and risk profiles
  • Flexible remuneration that you can agree with your client
  • 100% investment allocation

Investment returns aren't guaranteed. The value of your client's investment may go down as well as up and they may get back less than was paid in. Laws and tax rules may change in the future. Your client's own circumstances also have an impact on tax treatment.

Investment limits

You can invest the full yearly ISA allowance of £20,000 for the tax year 2020/21 into:

  • A Stocks & Shares ISA; or
  • A Cash ISA; or
  • An Innovative Finance ISA (Standard Life don't currently offer this product); or
  • Any combination of a Stocks & Shares ISA, a Cash ISA, an Innovative Finance ISA and a Lifetime ISA (maximum £4,000). (Standard Life don't currently offer this product)

Minimum lump sum investment - £500

Minimum additional lump sum investment - £250

Minimum regular saving - £50 a month

Regular withdrawals can be taken monthly, quarterly, half yearly or yearly.

ISA transfers

Transfer your clients’ ISAs to us and benefit from:

  • A single, competitive charging structure – though some managers may charge additional fees depending on the funds chosen
  • Easy online management with consolidated statements and valuations
  • A range of online tools making fund selection easy
  • Flexible remuneration that can be tailored for each transfer

Existing Stocks & Shares or Cash ISAs can be transferred to our Wrap ISA.

Transfers will not be right for all clients and it will depend on their individual circumstances.

Charges and interest rates

For information on charges and interest rates applicable to Wrap ISA see our Wrap charges page and supporting Wrap literature.

Relevant literature

Find more detail about Wrap ISA in our literature.

Wrap help

Looking for help using Wrap?

Find tips to help you use the platform.