The UK gives you four ISA types, one shared £20,000 allowance and a maze of rules. OneISA runs them as a single account — money goes to the right wrapper automatically, the allowance is tracked for you, and you just save. No juggling. No transfers. No decisions you didn't ask to make.
No spam, ever — just an early-access note when there's something to show. A concept in progress, not a live product.
Thank you — we'll be in touch with early access. If you have 20 seconds, reply to the confirmation telling us the most annoying thing about ISAs for you today; it genuinely shapes what we build.
Prefer to see it first? Play with the working demo or watch it assemble, one layer at a time.
Normally, getting cash out of investments means selling and waiting days to settle. OneISA bridges it, so most withdrawals land straight away — and when the money genuinely needs a day or two, we tell you plainly. Your savings stay invested and working, without feeling locked away.
Most ISA money sits in cash — because the stock market feels like a rollercoaster, and sorting out anything else feels like a project. But after inflation, cash tends to buy a little less every year, and from April 2027 under-65s can only put £12,000 a year into a cash ISA anyway.
OneISA is built for the middle ground: diversified, automatically calmer as your goal gets closer, with a visible cash cushion you can always reach. Designed to do better than cash over time — without the stomach-drops of going all-in on shares, and without you having to become an investor.
Every pound lands in the right ISA for your goal, automatically — you never pick a wrapper again.
The £20,000 limit and the tax-year clock are handled quietly in the background, across all your ISAs.
Bring your existing ISAs in and the 30-day transfer maze between wrappers simply disappears.
Everything below is a working concept you can click around — one balance on the surface, the full machinery underneath. Figures are illustrative.
Add money, take it out, set goals, cross a tax year — and watch what the four wrappers and the liquidity pool do behind the scenes.
Open the demo →A guided walkthrough that builds the product up one capability at a time, from today's mess to the full picture.
Start the tour →We show exactly where the money goes — your return, our take, the lending spread — with every assumption editable.
Open the model →Put the same money in each account type and see what sheltering it in an ISA is actually worth to you over ten years.
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