Prudential ISA

If you set up your Prudential ISA through a financial adviser.

• If you're already registered for the Prudential ISA Online Service, you can login into your account.
• If you've not yet registered please contact your financial adviser and ask them to send you a registration invite.

For any further help contact Link Financial Investments Limited on 0344 335 8936.

If you set up your Prudential ISA online

• You can login to your account.

For any further help contact Link Financial Investments Limited on 0344 335 8969.

You can find more information on your Prudential ISA in your Key Features Document:

• Key Features of the Policy within the Prudential ISA (if ISA opened through a financial adviser) 
• Key Features of the Policy within the Prudential ISA (if ISA opened online)

You can find the most up to date ISA limit by visiting the Government's website.

You can invest your annual ISA subscription across any type of ISA (Stocks & Shares ISA, Cash ISA, Innovative Finance ISA and a Lifetime ISA), but you can't invest in more than one of the same type of ISA in any one tax year.

If you set up your Prudential ISA through a financial adviser

If you're thinking of making changes to your plan, including adding more money, it's really important you speak to your financial adviser. They can help you understand if what you want to do is right for you and your aims and circumstances, that may have changed since you took your plan out. They'll be responsible for the advice they give and you'll also have protection from the Financial Ombudsman Service.

Regardless of whether you’ve taken advice, you can refer any matter to the Financial Ombudsman Service for consideration should you feel that you haven't been treated fairly, or for any other aspect under the Financial Ombudsman Services remit.

If you want to top up your ISA please contact your financial adviser or alternatively call Link Financial Investments on 0344 335 8969.

If you set up your Prudential ISA online

If you'd like to make additional investments to your ISA, please log into your account through Link Financial Investments Limited.

Please note we only accept top ups without advice if the top up is invested in a fund you’re already invested in.

You can switch your money between funds at any time. There's currently no charge for switching , although we reserve the right to apply a charge in the future.

Switches between PruFund funds will be made 28 days after your switch request is received using the unit price on the 28th day.

You can access your money at any time, however certain conditions apply to the withdrawals you can take from your ISA:

• Partial withdrawals 
  The minimum amount you can take as a partial withdrawal from any one of your fund holdings is £250 per fund, and the remaining value of that fund after the withdrawal must be at least £500.
   
• Regular withdrawals
  Your regular withdrawals can be paid on the 5th or 20th of the month and can be paid on a monthly, quarterly, half yearly or annual basis.

The minimum amount you can take as a regular withdrawal from any one of your fund holdings is £50 per fund, and the remaining value of that fund after a regular withdrawal must be at least £500. This means if the regular withdrawal to be taken from a fund were to take the value of that fund below £500, the regular withdrawal amount from that particular fund will not be able to be made. So your total regular withdrawal paid from your ISA would either cease or be for a reduced amount.

The total value of the regular withdrawals to be taken in any 12 month period must not exceed 100% of the value of your Prudential ISA.  This calculation is performed when the withdrawal is established, on its re-commencement following any suspension, or should the amount be increased.

If you set up your Prudential ISA through a financial adviser
If you're thinking of taking withdrawals from your ISA we recommend you speak to your financial adviser. They can help you understand if what you want to do is right based on your circumstances. Going through your adviser may also be quicker as they can process your withdrawal request using their access to the Prudential ISA Online Service.

Alternatively, if you want to deal direct you can call Link Financial Investments Limited on 0344 335 8936.

If you set up your Prudential ISA online
You can access your money at any time through the ISA Plan Manager, Link Financial Investments Limited.
Call Link Financial Investments Limited on 0344 335 8969.

The ISA plan manager, Link Financial Investments Limited, will provide you with statements throughout the year.

Quarterly Statements

You’ll be provided with a statement every three months showing how your ISA has performed and any transactions that have occurred over the previous quarter;

Quarter 1: towards the end of April / beginning of May each year and will cover the period from 6th January to 5th April.

Quarter 2: towards the end of July / beginning of August each year and will cover the period from 6th April to 5th July.

Quarter 3: towards the end of October / beginning of November each year and will cover the period from 6th July to 5th October.

Quarter 4: towards the end of January / beginning of February each year and will cover the period from 6th October to 5th January.

Yearly cost and charges statements

As a result of the Markets in Financial Instruments Directive II introduced in January 2018 and the Insurance Distribution Directive in October 2018, Link Financial Investments Limited are required to provide you with a statement at least yearly showing the costs and charges paid under your Prudential ISA. Link issue this statement in March each year covering the costs and charges you paid over the previous calendar year, i.e. from 1st January to the 31st December.   

If you close your Prudential ISA, Link are also required to provide you with a final cost and charges statement. This final statement will be issued in March following closure of your ISA and will show the costs and charges paid from the 1st January to the date of closure of your ISA.

Useful documents about your Prudential ISA

Prudential ISA Terms and Conditions

Example Illustrations for investment in the Prudential ISA and LF Prudential OEIC Funds

Useful documents about PruFund investments held in your Prudential ISA

Master Insurance Agreement - Customer Version

Key Features of the Policy within the Prudential ISA (if ISA opened through a financial adviser)

Key Feature of the Policy within the Prudential ISA (if ISA opened online)

Fund Guide - Prudential ISA PruFund Funds

Your With-profits Plan - A guide to how we manage the Fund

Useful documents about LF Prudential Open Ended Investment Funds (OEICS) held in your Prudential ISA

Key Investor Information Documents (KIIDs)

Useful forms and guides

- If you set up your Prudential ISA through a financial adviser

Adding to or changing your investment

Withdrawal Form

Regular Withdrawal Guide

Switching Instruction Form

Adviser Charging Form

Adviser Charging Guide

Change of Personal Details Form

Cost and charges disclosure guide – 2018 and 2019 statements issued in March 2019 and 2020

Cost and charges disclosure guide – 2020 statement onwards

- If you set up your Prudential ISA online

Forms and guides