Choose your own investments through our tax-efficient Self-select Stocks & Shares ISA or invest for your child’s future through a Junior ISA.

What are ISAs and JISAs?
An Individual Savings Account (ISA) is a tax-efficient savings account. There are different types of ISA, and we provide the Stocks & Shares ISA where you can trade in shares and your gains, dividends and income are tax free. The amount you can save into an ISA annually is substantial. For the 2024/25 tax year, the limit is £20,000.

A Junior ISA (JISA) is an ISA for the under-18s. The mechanics are similar to the ISA service, and the parents, or guardians with parental responsibility, can open a JISA and manage the account, but the money belongs to the child. The child can take control of the account when they are 16, but cannot withdraw the money until they turn 18, or convert the JISA into an adult ISA. The amount that can be saved into a JISA annually is generous. For the 2024/25 tax year, the limit is £9,000.
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How can you make the most of your savings?
With no tax to pay on capital gains or interest earned, using your annual ISA allowance is one of the most tax-efficient ways to invest. By investing your ISA allowance into a Walker Crips Self-Select Stocks & Shares ISA, you can choose your own investments and have full control over your own ISA.
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A wide range of investments are available through our Self-Select Stocks & Shares ISA service. You can also sign up for and use our investment management service, or you could make your investment decisions yourself.

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Our nominee service gives you the flexibility of keeping your shares with us electronically. You can buy and sell them without having to post physical share certificates back and forth, which removes the risk of certificates being lost in the post or being delayed, or your having to pay postage costs. The shares are registered in our nominee name but are clearly identified as yours in our systems, our client investment packs and our client portal.

Nominee account benefits
By opening a nominee account with us, you can enjoy the benefits of:

• a safe and convenient way of holding your investments;
• cheaper transaction fees compared to share certificates and greater efficiency on delivery and settlement;
• free inward transfer and free deposit of share certificates into our nominee account.

We’ll be notified of any corporate actions relating to your share holdings and help you deal with them. We’ll also receive dividends for your shares and put them into your account.

It is simple to transfer your existing share certificates into our nominee account

1. If your shares are already held in a nominee account elsewhere, all you need is our nominee account details to instruct your current nominee company to transfer the shares to us.
2. If your shares are in paper certificate form, sign up to our nominee services, complete the share certificate transfer form and hand the certificate/s to us. We’ll liaise with CREST (the central securities depository for the UK) and in a short time, typically within three working days, the shares will appear in your account held with us, which you can then view via our Client Portal.