Earn £50-£500 cashback when you join Wealthify!
Whether you're cautious or adventurous, investing for your financial piece of the pie or peace of mind: Wealthify makes it easy to do more with your money.
Our latest offer also means this could be a good time to join Wealthify. Simply open or transfer an account to Wealthify, and you could earn between £50 to £500 cashback for both your ISA and Pension — meaning up to a maximum of £1,000 cashback!
- £50 for deposits and/or transfers totalling between £1,000 and £4,999
- £150 for deposits and/or transfers totalling between £5,000 and £9,999
- £250 for deposits and/or transfers totalling between £10,000 and £19,999
- £500 for deposits and/or transfers totalling £20,000 or more
To get this offer, you’ll need to click the button below to create an account by 20th May 2024 and register for the offer. You'll then have 6 months to deposit into a Wealthify Plan and/or start any transfers. You must remain invested until the end of the 12 month period following your registration.
This offer is open to new customers only. Offer excludes Wealthify Instant Access Savings Account, Junior ISA and General Investment Account. Terms & Conditions apply.
With investing, your capital is at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future.
Next steps for claiming this offer
If you're opening a brand-new ISA or pension with us, rather than transferring from an existing provider, simply click the button below to register.
If you're transferring an existing ISA or pension to us, however, then here are a few things you'll need to consider before deciding whether or not it's right for you.
- Exit costs: We won’t charge you if you transfer your ISA or pension to us. However, your existing ISA or pension provider might have an exit charge, so be sure to check with them first.
- Investment fees: Before transferring your ISA or pension, compare your current fees and charges with ours. Even though we keep our costs as low as possible, you should understand the different fees and charges before making the move, checking that everything makes financial sense for you.
- Transfer process: Your ISA or pension will be transferred as cash only, so the existing investments will need to be sold first. As a result, you will not be invested for a period of time — and you’ll be ‘out of the market’ while the transfer takes place.
- It’s not certain you’ll be better off: There are never any guarantees about how investments will perform over time. By combining two or more pensions, you're not guaranteed to have more money in retirement than you would if you kept them separate.
- Pension benefits and guarantees: You can't transfer a pension to us that has safeguarded benefits or guarantees, which might include defined benefit pensions; defined contribution pensions with a guaranteed income; or benefits such as getting more than 25% of your cash tax-free. We also can't accept a transfer if you’re already taking an income from it. For other pensions, you should also consider whether you may lose any other valuable features if you transfer, such as loyalty bonuses.
Awards
We're really proud of all the awards we've won since launching in 2016; not because we enjoy the recognition, but because it means we're doing something right (and that our customers are happy). These awards also help spread the word about Wealthify — meaning other people can start enjoying it, too!
HOW TO INVEST
Step 1
Use our Plan builder
Pick from 5 investment styles, then choose how much you want to invest via a one-off payment or Direct Debit.
Step 2
Take our suitability quiz
This is our way of helping you start a Plan that’s right for your circumstances and attitude to risk.
Step 3
We build and manage your Plan
Our investment experts build and manage your Plan, keeping it in line with your chosen style.
Step 4
Monitor your investments
Use our online dashboard or app to follow your Plan’s performance.
Why choose Wealthify?
Investing with Wealthify is about so much more than just ‘putting money away’.
It’s about the satisfaction of knowing you’re building for the future — and peace of mind that comes with being financially prepared.
Setting up a Wealthify Plan is simple: just let us know a few details about what kind of investor you want to be, then our experts will build and manage your Plan for you.
Fees are low and transparent – meaning you get to keep more of your money – with ethical investment options also available, so you can stay true to your values.
LOOKING TO TRANSFER AN EXISTING ISA?
WHY TRANSFER?
- If you’re paying higher fees for your other ISAs, you could save money by consolidating.
- Your money won’t be locked away, meaning you can withdraw or transfer at any time.
HOW TO TRANSFER
- You can transfer any Cash ISAs or Investment ISAs (aka Stocks and Shares ISAs) you have with other providers to Wealthify.
- When you transfer an ISA to Wealthify, you should always use the official ISA transfer form to retain the ISA tax benefits.
ETHICAL INVESTMENT OPTIONS
With Wealthify, investing for your future also means being able to invest in the planet's future at the same time.
- We’ve joined forces with best-in-class ethical fund providers, to create five Ethical Plans.
- These Plans let you invest in organisations committed to having a positive impact on society and the environment.
- All our fund providers are signatories of the Principles of Responsible Investing (PRI), the world’s leading proponent of responsible investing.
- They actively manage their ethical funds, keeping a close eye on the organisations in which they invest.
- They also employ rigorous, ongoing screening to ensure ethical standards are maintained.
- Learn more and stay up to date with our ethical blogs.
KEEPING YOUR MONEY SAFE
We know the only thing more important than making your money work harder, is making sure it’s safe — here’s how we take care of yours.
Secure
Your login details will always be kept secure – but never shared with anyone else.
Support
Our friendly Customer Care Team are always happy to help via email, Live Chat, or on 0800 802 1800.
Strength
Wealthify is owned and backed by Aviva: one of the UK's largest financial institutions.
FAQs
You can open an ISA with Wealthify if you:
Are over 18
Are UK tax resident
When you’re building your Personal Investment Plan, the first question you will be asked is whether you would like to open an ISA or a General Investment Account. Select ‘ISA’ to create an Investment ISA Plan. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
If you’re likely to exceed your ISA allowance, you can simply set up a General Investment Plan to invest additional funds. There’s no extra cost for having two or more Plans.
The ISA limit and maximum you can save each year is £20,000. The tax year runs from the 6th of April to 5th of April the following year. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
Nothing at all. A Stocks and Shares ISA and an Investment ISA are just different names for tax-free investments.
Yes, you can withdraw funds from your ISA plan at any time, without penalty. However, if you withdraw money from this year's ISA, you will lose that portion of your ISA allowance.
You can transfer in most types of pensions, although there are exceptions. For example, the government doesn’t allow the transfer of a public service pension. Similarly, if your pension has defined benefits – such as guaranteed annuity rates or a final salary promise – then we won’t be able to accept this, so please check before requesting a transfer. We also cannot accept a transfer if you’re already taking an income from it.
This can differ from provider to provider, but the majority of pension transfers take 2-3 weeks. The exceptions are if there are issues locating your pension, or if we have to manually transfer your pension, then it could take up to 12 weeks. If we do find that we need more details from you to process a transfer, our team will get in touch to let you know what’s needed.
No, it is free to transfer your pension(s) into Wealthify. Your old provider may charge exit fees or transfer fees, so you may want to check this with them before you go ahead.
As many as you want – whether that’s one or twenty – there’s no limit on how many pensions you can transfer into Wealthify.