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An ISA is a tax-free savings account available to all UK tax residents. You can save up to your ISA allowance each tax year and you won't pay tax on any capital, interest or dividends.

There are several types of ISA available in the financial services industry; at CIRCA5000 we offer a Stocks & Shares ISA. This means any money you add to your CIRCA5000 ISA is invested in the stock market – specifically in the ETFs of your chosen CIRCA5000 portfolio and the underlying companies working to secure a better future.

ISA rules mean you can only add money to one ISA of each type per tax year. Our article "Can I have more than one ISA?" explains this further.

A GIA is an account which also allows you to invest your money in the stock market. Any money you add to a CIRCA5000 GIA is invested the ETFs of your chosen CIRCA5000 portfolio and the underlying companies working to secure a better future.

There is no limit on how much you can invest in a GIA, but tax is applicable on your investments (including, but not limited to, tax on any capital gains and interest / dividends.)

If you're unsure whether you need to pay tax on your GIA please get in touch with a suitably qualified financial adviser. CIRCA5000 does not offer tax advice.

A JISA is a tax-free savings account for UK residents under the age of 18.

Only the parent or legal guardian of a child can open a JISA for them and they can save up to the JISA allowance each tax year. No tax is applicable on any capital, interest or dividends in a JISA.

Any money added to a JISA cannot be withdrawn until the child turns 18. Once they turn 18 the JISA is converted to an ISA and they will have access to withdraw their own funds if they wish.

Our Personal Pension is a type of Self-Invested Personal Pension (SIPP), a pension that gives you the power to choose what you invest in from our available range of investments selected for their positive impact. They also allow you to consolidate any other pensions you might have.

With a CIRCA5000 Personal Pension, any money you invest will receive a 25% top up from the government (basic rate tax relief). Higher Rate and Additional Rate taxpayers could enjoy further tax relief on contributions up to £60,000 per year.

If you'd like another type of account with CIRCA5000 then please let us know your interest by getting in touch with our Customer Support team by emailing hi@CIRCA5000.com, or using your in-app chat.