What is a Stocks & Shares ISA?
An ISA, or Individual Savings Account is a tax-efficient way of investing your money. You can contribute the maximum ISA allowance (currently £20,000) each tax year* and any returns or interest that you earn will be free of UK tax. A Stocks & Shares ISA allows you to use your tax-free allowance to invest in funds. Learn more.
*The current tax year runs from 6 April 2023 to 5 April 2024.
Tax rules for ISAs can change and their benefits depend on your circumstances.
Make a positive impact
Invest in funds that only include companies actively making the world a better place. Funds are built around the most innovative themes defining the future of the global economy.
Grow your money long-term
Stocks & Shares ISAs are often used when savings goals are mid to long-term. Generally, they should deliver better value than cash savings, but remember that all investments can go up as well as down.
Contribute up to £20,000
Invest up to £20,000 every year tax-free. Pay nothing on any gains you make. The deadline for this tax year is midnight on the 4th of April.
We are specialists in impact investing — the gold standard of investing sustainably.
The funds that you will be invested in only include companies that have made it their mission to solve the world's biggest environmental and social challenges.
We want to change the world, but this isn't philanthropy. You will only invest in sectors and companies that we believe will benefit from structural market trends.
People made money ruining the world, let’s make money fixing it.
Simple, transparent fees
| Monthly subscription fee Charged monthly. Covers all open SIPPs, ISAs, GIAs, JISAs. | £1 |
| CIRCA5000 fees Charged monthly | 0.45% |
| Average external fund fees This fee is charged directly by fund managers. We aim to keep it as low as possible. These fees may range from 0.24-0.49% per year, depending on your choice of investments. Charged monthly | 0.42% |
- No admin fees
- No trading fees
- No contribution fees
- No transfer in fees
The returns case for impact investing
Over the past few years, impact indices have outperformed the wider market.
We invest in themes and companies that we believe will benefit from structural market trends, such as the energy transition to renewables.
*The purpose of the chart is to illustrate the case for impact investing, and is not CIRCA5000’s portfolio returns. The chart above shows the annualised returns of the MSCI ACWI Index ("Standard Index") compared with the MSCI ACWI Sustainable Impact Index ("Sustainable Impact Index") for the 5 year period up to 19th January 2023. Returns are in USD and net of dividends. Past performance is no indication or guarantee of future performance. Investing directly in either index shown is not possible via CIRCA5000. When investing in funds, other factors such as fees and currency exposures may affect your return. Source: msci.com
Ready to invest?
Open ISA
Open a new Stocks & Shares ISA with us and you can add up to £20,000 each tax year to your account without paying tax on your investment gains.
Open ISAOur Stocks & Shares ISA is made up of companies tackling the world’s biggest challenges
How do I open an ISA?
Opening an ISA to CIRCA5000 couldn’t be simpler.
Get startedScan to download the CIRCA5000 app
- Get ready Speed up the process by having your UK address and National Insurance number to hand.
- Sign up online or download the app Once you have signed up, select ‘ISA account’ to open a new account or begin a transfer.
- Select your risk level & review your portfolio Choose a risk level you feel confident with and review your portfolio breakdown.
- You’re ready to go! You can start investing immediately.
Want to learn more?
What is a Stocks & Shares ISA?
How to choose the right ISA for you. This article outlines what a Stocks & Shares ISA is and why they are tax efficient.
Learn moreHow much should I invest?
Find out how much you should be investing in the stock market and how much you need to get started with our guide.
Learn moreSaving vs investing
Saving and investing are often confused and used as synonyms, but there are differences between them.
Learn morePopular questions
Don't just take our word for it...
(Based on 2k+ ratings on the App Store & Google Play Store)
If you're not investing in CIRCA5000 you're missing out
Love CIRCA5000! I have been a long-term member and I don't have a negative thing to say. Good returns, good support, brilliant UX and platform, great educational blogs, I really like the founders, and you're investing in impact and the future!
Jack Dunning, 26 Jan 2023
I opened my ISA in January 2020..
This was my first experience of any online investment, and I am so pleased to have chosen Tickr (now CIRCA5000) as their website is informative and easy to use. Also I have been happy with the return on my investment over the long term, and am now drawing on that investment to help me set up for my early retirement.
Maria, 19 Jan 2023
Easy to use and decent returns
Easy to use app, decent returns, and a much better use of my savings than most other options. I started cautiously a few years ago and built up steadily, and am delighted with the result so far!
Andrew R, 14 Feb 2023
+160,000 users are building their wealth with CIRCA5000
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Important information - Investments can go down in value as well as up, so you can get back less than you invest. The information on this page isn't investment advice. If you're not sure if an investment is right for you, please seek advice. Tax rules can change and depend on individual circumstances.