Cash, stocks, lifetime, innovative-finance — four ISA types, one £20,000 allowance, and a maze of rules. OneISA runs them as a single account that manages itself: money goes to the right wrapper automatically, the allowance is tracked for you, transfers just happen. You pick a goal; we handle the rest — and it's built to be steadier than going all-in on stocks, so growing your money doesn't have to mean a rollercoaster.
Thank you — genuinely. If you answered the two questions, that's exactly the signal we needed to build the right thing.
The reason most of us leave savings in cash is that the stock market feels like a gamble. OneISA is diversified and gets automatically calmer as your goal approaches — designed to ride steadier than all-in stocks, with a safe cash cushion you can always see. It's still investing, so your capital can fall as well as rise — but it's made to beat cash without the stomach-drop.
Money lands in the right ISA for your goal automatically, and the £20,000 allowance and tax-year clock are tracked for you — across all of it. You never pick a wrapper again.
Diversified, and automatically calmer as your goal gets closer, with a visible cash cushion — so you're not exposed to the market's worst days. Lower volatility by design; still invested, so capital can fall.
Tell us your goal; we handle the wrappers, the mix, and the 30-day transfer maze behind the scenes. Tax-free in an ISA, in one account that runs itself.