Learn about the EQi Flexible Stocks & Shares ISA (EQi ISA)

We have also partnered with Equiniti and Equiniti Financial Services Limited (EFSL) to offer you the opportunity to move your shares into the EQi ISA at maturity. You can decide to use an alternative ISA product and to do this, you'll have to elect the first choice - transfer to the Marks and Spencer Share Service (Share Service) - which allows further transfers for alternative arrangements.

To ensure that you keep more of your money, if you move your shares within 90 days of buying them at the Sharesave maturity and haven't already used up your ISA annual allowance, HMRC allows you to transfer the shares into an ISA to protect your investment from CGT. If you have a gain that is above the annual CGT allowance limit, then the EQi ISA is a viable choice for you.

Importantly, if you want to keep the shares, then the EQi ISA is still a valid choice for you. This is because if you choose to sell in the future, then by selling from an EQi ISA any gains you make will be shielded from CGT.

For those of you with a share value over £20,000 which is the annual ISA allowance, this election choice has been built so that any shares (residual shares) above the share value of £20,000 will be transferred into an EQi Dealing account (a complimentary account linked to your EQi ISA). Importantly, because the new financial year, which starts 6 April 2026, is within the 90-day limit of the Sharesave maturity on 1 February 2026, these residual shares will also benefit from being moved into the EQi ISA. This move will happen automatically, and you will be notified securely before and after the residual shares have been successfully moved into your EQi ISA.

Please be aware that if you move your shares from your EQi Dealing account into your ISA after 90 days from buying the shares, the shares will need to be sold and bought again which may give rise to a CGT liability.

If you decide that you want to sell your shares immediately once they have been transferred into the EQi ISA, you are free to do so. However, you need to be aware that there may be an increase in market activity if everyone decides to sell at the same time, and it may negatively impact the share price. There is no need to sell your shares immediately, your shares will be exempt from CGT as long as they are held in an EQi ISA.