Why do two separate structures exist (ISA vs GIA)?

You can request an ISA Family Account once your Standard (GIA) Family Account is set up. You can request an ISA Family Account via phone, webchat or ticket. Once created, you will receive separate login credentials for ISA administration. This account is required to manage ISAs in line with UK regulatory rules…

No. ISAs must be linked under the ISA Family Account, while GIAs remain under the standard Family Account. Separate logins are required for each structure…

ISAs can be managed directly or via an ISA Family Account. You cannot link ISA accounts to your standard Family Account…

An ISA Family Account is a specialised account that allows you to manage your personal Individual Savings Accounts (ISA) and your family members’ ISAs from a single login. This setup keeps ISAs ring-fenced and compliant, separate from General Investment Accounts (GIAs)…