Stocks & Shares ISAs for beginners
Tax-free investing, made simple
Pick from 2 ready-made funds and start investing from just £1. It’s a simple and affordable way to grow your money tax-free – no experience needed.
Investments can go up and down in value, and you could get less money back than you put in. But over the long term (5+ years), it often beats saving. The taxes you pay depend on your individual circumstances and could change in the future.
Fund your ISA. Win up to £20,000.
Grow your savings and get rewarded with ISA Builder. Set a monthly amount, choose your split between Cash and Stocks & Shares ISAs and earn entries into prize draws across the year. T&Cs apply.
Just download the latest version of the Zopa app to get started.
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Why open a Stocks & Shares ISA account with Zopa
Built for beginners, backed by experts
Our Stocks & Shares ISA is perfect for first time investors. There’s no stock picking and no guesswork.
Simply pick from our 2 ready-made Balanced and Bold funds – based on your goals and the level of risk you feel comfortable with. Both are built by Invesco – one of the world’s biggest investment managers.
They’ll keep an eye on markets and adjust your investments over time, so you don’t have to.
Start from as little as £1
There’s no minimum investment needed to open a Stocks & Shares ISA account with us.
You can start from as little as £1 – because we know that investing little and often can make a real difference over time.
For example, if you invested £100 a month for 10 years (that’s £12,000) into a fund like ours, it could have grown to around £18,900.
That’s based on the average annual return of a fund similar to ours (60% shares, 40% bonds) between 30 Sep 2015 and 2025, excluding fees. Past performance isn’t a guarantee of future returns.
Transparent, low fees
There are no hidden costs, just one simple yearly fee of 0.54%.
That’s 0.14% for Invesco and 0.40% for Zopa – taken from your account automatically, so you don’t have to worry about it.
Based on a £1,000 investment, that’s around 45p a month in total (before any growth or withdrawals).
Plus, there’s no Zopa fee (0.40%) for your first 3 months.
Tax-free earnings, all in one place
You can open a Cash ISA alongside a Stocks & Shares ISA in the Zopa app.
This makes it easy to stay on top of your annual ISA allowance and maximise the tax-free interest and investment growth available to you.
Your money's in expert hands
We’ve partnered with Invesco, one of the world’s biggest investment managers. They’ve been helping people grow their money for more than 80 years and now manage over £1.4 trillion.
So even if you’re completely new to investing, you can feel confident knowing your money’s in safe hands.
Learn more about InvescoChoose from 2 ready-made investment funds
Whether you’ve got £1 or £100,000, by investing through our ready-made funds, you’ll own a small slice of hundreds of companies around the world – so you’re not relying on just one to perform well.
It’s an easy and affordable way to invest, just pick the fund you feel most comfortable with, and we’ll do the hard work for you.
Balanced fund
4.81% average annual return*
Ideal if you’re aiming for steady long-term growth – and you’d prefer smaller ups and downs along the way.
Bold fund
9.04% average annual return*
Ideal if you’re aiming for higher long-term growth – and you’re comfortable with bigger ups and downs along the way.
Average annual return tells you how much this fund has grown each year, on average, between 14 Jan 2021 and 30 Sep 2025. While this is a useful guide, it can’t be used to predict future returns.
How a Stocks & Shares ISA works
A Stocks & Shares ISA is designed for long-term investing.
You can invest up to £20,000 each tax year – this is your annual ISA allowance.
Any growth is free from income and capital gains tax.
You can withdraw your money whenever you need to.
Although you can access your money anytime, experts usually recommend keeping your money invested for at least 5 years. This gives your money time to ride out any short-term ups and downs. The taxes you pay depend on your individual circumstances and could change in the future.
Learn more about Invesco
Your money’s FSCS-protected
Eligible investments with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS). This means, if Zopa were to cease trading, your money would be protected.
The FSCS doesn’t cover losses from investments falling in value.
To learn more, visit fscs.org.uk
FAQs – Stocks & Shares ISAs with Zopa
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Open a Stocks & Shares ISA
Download the Zopa app, open an account and start investing from just £1.
Learn more about investing
Take a peek at our blog for the lowdown on all things shares, funds, and ISAs.
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