Start investing with Wealthify

With Wealthify we’re able to bring easy and affordable investments to you.

At TSB we are always looking for ways to help you manage your money better. So, if you're looking to unlock the potential of Stocks and Shares ISAs, Junior ISAs or General Investment, why not talk to Wealthify. Once you've decided, you can sit back and let Wealthify's experts do the rest.

Getting started is simple. Just choose how much you want to invest and then pick a level of investment risk that you feel comfortable with, from Cautious to Adventurous (or somewhere in between). And if you want to invest in ethical funds, there’s an option for that too.

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Ready to try it?

TSB acts as an introducer for the investment products (Stocks & Shares ISA, General Investment Account, Junior ISA) of Wealthify. Neither TSB or Wealthify give you any advice or recommendations about these products - it's up to you to decide whether the product is right for you. You should seek financial advice if you are unsure about investing.

Please remember, investments are designed for the long term and unlike TSB’s savings products, the value of Wealthify investments can go down as well as up, and you could get back less than you invested.

Important information

Please read, download or print this Initial Disclosure Document which explains the service we provide.



  • Low fees
  • No hidden costs
  • Start investing with as little or as much as you like

You’re in control

  • Choose from five investment styles
  • Ability to opt for Ethical Investments

Easy to use

  • Simple sign up process
  • Effortless investing
  • Check your plan 24/7 online or through Wealthify's app

Why Wealthify?

It's simple to sign up with Wealthify's multi-award-winning jargon-free investment service. To get started, you fill in a suitability assessment (a quick online questionnaire) to confirm what type of investor you want to be, and their experts select the most appropriate investment solution to suit you.

While investments like this are designed for the long term, you can withdraw any time with no penalties (apart from the Junior ISA). They also offer Ethical Plans, so you can easily invest in line with your values.

Wealthify could be the answer you're looking for if you want to invest but aren’t sure where to start.

Easy access

Although investments are designed for the long term, you aren't locked into Wealthify. You can withdraw, transfer in or out, or add to your investments without paying fees. But please note, any withdrawals would reduce your fund during the rest of the investment term and therefore it's value. For information on accessing your money, visit the Wealthify FAQ page.

Affordable investments

Only invest what you can afford, start investing with as little or as much as you like. You can choose to set up regular monthly payments or just top up whenever you like.

You’re in control

With Wealthify, you choose which investment style suits your needs, from Cautious to Adventurous. And there's an option to invest ethically if you want.

Clear and simple

You can check how your Plan is performing whenever you like, online or with the Wealthify app. You also know how much you’re paying with clear and affordable fees.

Managed for you

Wealthify’s investment managers will monitor your funds and decide where best to invest. So, you don’t need to be an expert to get started.

Five-star investing

Wealthify’s simple jargon-free service is award-winning, including:

What you’ll pay

With Wealthify, you only pay a simple fee.

The fee is made up of two parts and is based on the value of your investments, so it will vary month-on-month in line with fluctuations in the value of your Plan. Fees are taken monthly straight from your Plan reducing its value. Here's an example of what your first month's fee could look like if you invested £1,000.

Indicative cost of investing £1,000 with Wealthify
  Annual % Annual estimate Monthly estimate
Wealthify management fee 0.60% £6.00 £0.50
Average investment costs 0.22% £2.20 £0.18
Total 0.82% £8.20 £0.68

The monthly fee would be roughly £0.68, taken directly from the Plan. This is made up of 0.6% management fees, plus average investment costs of 0.22% (which includes investment costs charged directly by the fund provider). Wealthify's ethical funds have a higher investment cost, as they use active funds to ensure that companies maintain their ethical standards - these investment costs are typically around 0.66% making the total annual fee 1.26%.

How it works

Wealthify manage everything for you, so you can spend less time unpicking how best to invest your money. Your money is invested in a number of funds which contain shares, bonds property and commodities to spread your risk. This mix of funds can change over time depending on your attitude to risk and movement in the financial market.

To get started, all you need to do is:


There are five choices of risk, from ‘Cautious’ to ‘Adventurous’. Just choose the one that matches your attitude to risk for a long-term investment.



To check whether this risk profile is right for you, you'll need to fill in a quick suitability assessment.



Wealthify’s team of experts will now manage and monitor your Investment Plan for you.

Before you apply

To open a Wealthify account you need to be:

  • Over 18 (parents/guardians can open a Junior ISA for under 18s)
  • A UK tax resident, unless this is a General Investment Account (GIA)
  • If you're looking to open a Wealthify Stocks and Shares ISA there are a few more things you must also consider:
    a. You must not have used up all of your current year's £20,000 ISA allowance (this includes any money you've paid into any Cash ISA's you may have)
    b. You must not have opened or be contributing to a Stocks and Shares ISA, other than a lifetime ISA, this tax year (from 6 April to 5 April).

And if you're transferring an ISA, bear in mind:

  • Any money transferred doesn't count towards the current year's tax allowance, unless you are transferring money you've paid in during this tax year.
  • You can transfer an ISA you’ve paid into this tax year, but you have to transfer the whole amount and it will count towards this year’s ISA allowance.
  • You might be charged an exit fee by your current provider, so please check before transferring
  • It can take between 3 to 6 weeks to cash in, transfer, and re-invest your money. It won't be invested during this period and will not be impacted by market movements

TSB and Wealthify operate on a 50/50 revenue share arrangement of the management fees. This means that there will be no additional costs for you, the customer. All fees under this partnership are the same as if you went direct to Wealthify. Both TSB and Wealthify are authorised and regulated by the FCA.


This is not a personal recommendation. If you need a personalised recommendation based on your personal circumstances, you should seek financial advice. Your money will be invested in low-cost funds carefully selected by Wealthify, each containing a diverse range of investments such as stocks, bonds, and property. Wealthify management fees are 0.6% a year, and fund provider fees are between 0.12% and 0.29% a year for the Original portfolios, or between 0.33% and 1.0% a year for Ethical portfolios.

If you click through to Wealthify, you will be leaving TSB and entering their website which is subject to their own Data Privacy Notice. We recommend that you read that before providing Wealthify with any personal information.

TSB will not share any of your personal information with Wealthify. View TSB’s Data Privacy Note.

This offer is being made to you without regard to your specific investment objectives, financial situation, or particular needs and therefore this offer doesn’t imply that Wealthify is suitable for you and isn’t a personal recommendation of any kind.

Start investing with Wealthify

TSB acts as an introducer for the investment products (Stocks & Shares ISA, General Investment Account, Junior ISA) of Wealthify. Neither TSB or Wealthify give you any advice or recommendations about these products - it’s up to you to decide whether the product is right for you.

Please remember, investments are designed for the long term and unlike TSB’s savings products, the value of your investments can go down as well as up, and you could get back less than you invested.

The tax treatment of your investment will depend on your individual circumstances and may change in the future.

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