Adding new money into your ISA is a straightforward process. Payments made into your ISA, known as subscriptions, are protected against capital gains and income tax while held within the product, and you can make withdrawals at any time.

Please note that each tax year (6 April - 5 April), there is a limit to the amount that you can subscribe to your ISA. For the 2024/25 tax year, the limit is £20,000.

Can I subscribe to more than one ISA?

James Hay ISAs are Stocks and Shares ISAs, as defined under regulation. You may also separately subscribe to a Cash ISA and an Innovative Finance ISA, however the annual subscription limit of £20,000 applies across all ISAs that you hold.

Please note that this limit is unaffected by withdrawals. Taking money out of an ISA does not free up any subscription allowance, and you can only pay this money back into an ISA if you have sufficient unused allowance for the current tax year. 

How can I subscribe to my James Hay ISA?

If this is your first James Hay ISA subscription, please send a completed ISA Subscription Form to James Hay, Dunn’s House, St Paul’s Road, Salisbury, Wiltshire, SP2 7BF. You can then transfer money to your ISA product bank account by using the bank details (including payment reference) available within your James Hay Online account.

If you also hold a Modular GIA or Wrap Investment Portfolio you can send us a request, via secure message or in writing, for money to be moved from these products to your ISA as a subscription. You must ensure there are sufficient funds available in the relevant product bank account in order to make the transfer.

If you want to make a regular subscription to your ISA, we can set up a Direct Debit if you also complete the mandate at the end of the above form.

Can I amend my regular ISA subscriptions?

Please send us a completed ISA Subscription Amendment Form if you wish to amend the amount, frequency or date of your current regular subscriptions, or if you wish to pause, cancel or reinstate these payments.

Please note, if you withdraw an amount from your ISA, you can only reinvest that amount back into an ISA if you have available unused subscription allowance for that tax year. Flexible ISAs are not available with James Hay though availability may change in the future.

Further information