You must be:

• Aged 18 or over
• Resident in the UK for tax purposes
• A Crown servant (e.g. diplomatic or overseas civil service) or their spouse or registered civil partner if you don’t live in the UK

No, ISAs can only be held in a single name.

You have no personal liability to capital gains tax on any growth, or income tax on any income you receive. You don’t have to declare ISA income or growth on your tax return.

The tax treatment of ISAs may be subject to change in future. The tax benefits depend on your individual circumstances.

The ISA annual allowance for the current tax year is £20,000. You can choose to use your whole ISA allowance for your Stocks and Shares ISA, or you can split your ISA allowance across different types of ISA in accordance with the regulations.  You mustn't contribute more than £20,000 across any permitted combination of ISAs in the same tax year and it's your responsibility to make sure that you don't exceed the annual ISA allowance.  We don't currently offer lifetime, cash, or innovative finance ISAs.

You can top up your ISA with any minimums set out in the key features document, just make sure your total payments into your ISA (or ISAs) don’t exceed the allowance for that tax year.

You can also transfer between products by moving funds from your General Investment Account (GIA) to an existing ISA or to a new ISA with ourselves. This offers the option to maximise your ISA allowance if you haven't already done so.

Your Aegon ISA is a flexible ISA. This means that money withdrawn from your ISA and paid to you can be replaced within the same tax year, without the replacement counting towards your yearly ISA allowance. This includes money paid to you as consolidated natural income (where you've asked us to pay out income generated by your investments to your nominated bank account on a monthly basis in accordance with the terms and conditions).

You can't replace any money that's removed from the ISA but not paid to you (for example, to pay fees or charges) or anything that isn't paid out as cash (for example, by re-registration of shares). You also can't replace money if your product is closed or repay any withdrawals from an ISA with a third party.

You can withdraw money paid in and income earned in the current tax year and previous tax years. 

• Withdrawals will count against any payments in the current year first. 
• Any additional amount is treated as a withdrawal of a payment from a previous tax year. 
• If money is replaced (must be in the same tax year as the withdrawal), any withdrawn subscriptions from a previous year are repaid first, followed by withdrawn subscriptions from the current year. 

Your online account will show the amount available to invest each tax year, taking into account any payments already made this tax year as well as any withdrawals. 

The cash facility lets you hold cash in your stocks and shares ISA. This money can be used to invest into funds, to pay charges or you can withdraw it.

You may be able to re-direct your ongoing charges from your ISA and pay these through your GIA cash facility (which we automatically set up for you when you buy an ISA from us) rather than through your ISA. Please speak to your adviser to check if this option is available to you. See our guide Paying your charges through your GIA.

Any money in the cash facility accrues interest which we pay on a monthly basis. We pay interest at a gross rate based on the Bank of England base rate. View details of the current rate we pay.

You can add money to the cash facility in three ways:

• By signing into your investment summary and following the top-up journey. This lets you pay into your cash facility by debit card, bank transfer or cheque.
• By direct debit – you need to complete an Instruction to your bank or building society to pay by Direct Debit.
• For investments that generate income – you can choose to leave any income you get in your cash account.

Transferring existing ISAs to us lets you have all ISA investments in one account with one consolidated statement. It may help make tracking your investment performance and making any changes to your portfolio easier. See our guide to transferring for more information.

You can transfer your existing ISA savings into an ISA with us. You can choose to transfer some or all of your savings from previous years but if you want to transfer any current year savings, you'll have to transfer the full current year amount as we don't support the partial transfer of current year subscriptions.  Transferring doesn't affect your annual ISA allowance. You can transfer as many ISAs as you want to us. If you're transferring from a flexible ISA, please be aware that you'll lose the ability to replace any withdrawals made before the transfer. To prevent this from happening, you'd need to repay the amount withdrawn before transferring to us. 

Please note, if you transfer a cash or lifetime ISA to us, we’ll convert it to a stocks and shares ISA you'll lose your lifetime ISA status along with any other benefits specific to that ISA. If you transfer your Lifetime ISA to a stocks and shares ISA, you'll be subject to the 25% withdrawal charge.

Transferring or consolidating ISAs may not be the best option for you. It's up to you to decide if this is the right decision for you - so make sure you compare products before transferring or consolidating. If you're not sure, speak to a financial adviser - there may be a charge for this.

It's important to remember the value of your consolidated stocks and shares ISA can still fall as well as rise and you may get back less than you invest. So although our stocks and shares ISA has no fixed term, you should be prepared to remain invested for at least five years - ideally longer.

Any new investments you move your money into will have their own set of risks that will be detailed in the fund information available to you.

If you’re transferring from a cash ISA to our stocks and shares ISA, you’re actually transferring between two very different products. In a cash ISA your money is held on deposit, but in a stocks and shares ISA the value can fall as well as rise.