If you are new to Lloyds TSB Share Dealing, find

Save tax and make the most of your money

ISAs offer one of the most flexible and tax efficient ways to invest in the UK and global stock markets, and with our ISA, you select the stocks and shares you want to invest in.

Current ISA Allowances from 6 April 2013

** You can invest up to £5,760 in a Cash ISA with the balance of your total ISA allowance being available to invest in a Stocks and Share ISA.

To add an ISA to your existing Lloyds TSB Share Dealing account, select My Accounts, sign in if you have not already done so, and select New Account (under Administration).

 

If you are new to Lloyds TSB Share Dealing, find

out more about our products and services.

 

Choose from a wide range of investments

Our Share Dealing ISA opens up investment opportunities from all around the world. You can choose from a large range of investments and markets, depending on what your investment goals are for example:

• For growth, you could pick shares and investment trusts from 18 markets across Europe and North America.
• For income, you could choose bonds and bonds funds.
• You could choose gilts, if you're looking for investments with added safety.

If you want to diversify your investments further, you could also:

• Choose from our range of over 1,000 professionally managed funds. We've negotiated a 95% discount on the initial charge (sometimes even 100%) for many funds that are available.
• Track particular indices such as FTSE 100 or Dow Jones, with Exchange Traded Funds (ETFs).
• Access particular commodities or baskets of commodities with Exchange Traded Commodities (ETCs).

More support for you

If you are new to Lloyds TSB Share Dealing, find

The convenient account for your assets

Managing your investments couldn't be more straightforward – and more people like you are now confidently planning for their future, in the way they want. Our Share Dealing ISA lets you control your investments, quickly and easily online or by phone.

You can bring all your ISAs under one roof to manage your investments with a single account. This includes Cash ISAs that you may have. We won't charge you to transfer your existing ISAs to Lloyds TSB Share Dealing but your existing broker may charge you an exit fee.

Fill in our ISA transfer form and we'll be happy to arrange the transfer for you.

• You will also get a free Nominee account which gives you a single view of your investments allowing you to manage them alongside your ISA. This saves you £32 a year as we waive the management fee for you.
• You can deal with most Corporate Actions quickly and easily online, something most other banks don't allow you to do. Other Corporate Action instructions can be given by telephone.
• You can learn more about the markets, and research the sectors that interest you, with our online tools and up to date information.
• You can deal online or by phone, and have 24/7 access to view your accounts.
• You can manage your deals with added control by setting limit and stop orders.
• You'll be sent an annual statement and half yearly valuations by post.
• There's a flat fee of only £15 per online deal, no matter how big your trade is.
• This reduces to £11.50 per online deal if you're a frequent trader – if you deal 13 or more times in any quarter. See our Rates & Charges.

Why not check out our online demos to see for yourself how easy dealing online really is?

If you are new to Lloyds TSB Share Dealing, find

Your ISA funding options

We've opened up many ways for you to fund your ISA, so that you can pay into it in a way that is most convenient for you.

• Debit Card - you can make an immediate payment into your account with your Maestro or VISA Delta debit card. Just go to the Payments screen when you log on, or call Customer Services on 0845 60 60 560.
• Bank Transfer – you can make one–off bank transfers from your nominated bank account to your ISA from the Payments screen.
• Direct Debit – you can also arrange a regular monthly Direct Debit from your nominated bank account and choose whether to pay on the 1st, 7th, 15th, or 23rd of the month.
• Cheque – you can send a cheque payable to Lloyds TSB Bank plc which will then be credited to your account.
• Shares- you can also arrange to put any existing shares you have into an ISA;
  • If they are employee related shares, we'll arrange a direct transfer, or
  • We can sell any other shares in your name, put the money into your ISA and then buy back the shares. This is known as a "Bed and ISA" – or share exchange. It's a simple and popular way to exchange your existing shares into an ISA.
  • Ask our Customer Services team on 0845 60 60 560 for further details on moving your shares into the tax efficient ISA.

• Your money isn't locked in – there is no maturity period so you can withdraw the income or capital when you need to, without any tax penalty.