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Compare Investment ISAs /

Best ISA Platform

Compare ISA platforms to find the best option for your tax free allowance.

Investment ISAs put your capital at risk & you may get back less than you originally invested

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISAs

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100
See Deal Zero Platform Fees - Until the end of the 2022/23 tax year if you open your ISA by 30 April 2022. 0.25% max when promo ends.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500
See Deal Up to £400 for all new users that create an account until the end of April

Stocks & Shares ISA

from InvestEngine

Allows ISA Transfers
Regular Savings
  • Fund Choice: Offering commission-free DIY investing or low-cost, professionally managed income or growth portfolios built for you
  • Invest From: £100

My Choice ISA

from Scottish Friendly

Allows ISA Transfers
Regular Savings
  • Fund Choice: A choice of 10 funds so you can pick those that best suit your needs, whether that is just one, a mixture of all 10 or somewhere in between.
  • Invest From: £10pm

Stocks & Shares ISA

from Beanstalk

Allows ISA Transfers
  • Fund Choice: Choose from two funds: a cash fund that aims to provide returns in line with money market rates and a shares fund that aims to track the performance of global stock markets.
  • Invest From: £10

Stocks & Shares ISA

from Willis Owen

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from a wide range of funds, shares, investment trusts and ETFs. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
  • Invest From: £25

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount

What is an ISA platform?

An ISA platform is typically a type of Stocks and Shares ISA account in which you choose your own investments.

An ISA account is a tax-free savings account, and a Stocks and Shares ISA allows you to invest your ISA funds into the stock market via a range of investment vehicles.

What are the tax benefits of an ISA?

ISA savings are completely free from the following taxes that are usually paid on investments you’d hold outside of a tax-free account:

  1. Income tax on dividends
  2. Income tax on interest
  3. Capital Gains Tax (CGT) in investment growth

You can invest up to £20,000 in an ISA each tax year – this is your annual ISA allowance.

What does a Stocks and Shares ISA platform invest in?

You’ll usually be required to choose your investments yourself in an ISA platform, although some providers do offer ready-made portfolios that are built for you and then managed by professionals.

Here are some of the most popular types of ISA platform investments:

  1. Shares

Individual shares of companies that are traded on a live stock market such as the London Stock Exchange.

  1. Managed Funds

Including investment trusts, OEICs and unit trusts, these are investment funds that operate in a specific sector managed by investment professionals.

  1. Tracker Funds

Including index funds and ETFs (Exchange Traded Funds), these track a specific index or sector by investing proportionately in the companies within them. They are not actively managed by a fund manager so typically have lower charges than managed funds.

  1. Bonds

Bonds are forms of corporate or government lending that you can invest in to receive an annual target interest rate. They are classed as low risk compared to other stock investments, but they can still depreciate in value.

How to Compare ISA Platforms

Here are some of the most important factors to consider in an ISA platform comparison:

  1. Can they hold all the assets in your portfolio?

If you know what shares and funds you’ll be holding in your account, check that your new ISA platform can support the investments. Particularly if they are overseas stocks or if they are listed on a smaller stock exchange.

  1. What are the annual platform charges?

Some platforms charge more for holding shares compared to funds, or vice versa, so make sure you compare the platform charges to your own portfolio to see how much you’ll be paying.

Some providers also charge a percentage of your portfolio as opposed to a flat fee – this may be cheaper for you if you have a smaller account.

  1. Are there any ad hoc platform charges to consider?

Dealing fees can be expensive through some ISA platforms, so if you’re a frequent trader you’ll want to compare the charges in comparison to the ongoing fees.

You should also look out for other admin fees such as account closure fees and transfer out fees.

  1. What platform features are available?

Certain trading features are invaluable to ISA investors that buy and sell shares frequently. The most important ones include price notifications, limit orders and stop losses.

The online ISA platform itself also needs to be reliable, functional and easy to use. Some providers allow you to open a fake, free ISA account to test out the platform with.

  1. What about customer service ratings?

Remember, a more expensive ISA platform may be reinvesting your charges into their customer service teams. If you’re new to DIY investing, this could be the best online ISA platform for you, as you’ll likely have questions that need answering.

Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

You can open a Stocks and Shares platform ISA online, over the phone or by post.

You’ll need to add money with a debit card top-up and buy the investments you want to hold through the platform.

An Investment ISA is a good idea as long as you understand the risks involved and you’re comfortable making your own investment decisions. You could lose money on your investments, but they could also significantly outperform other ISA investment options.

Yes. There is never really a good or bad time to invest in stocks and shares within an ISA, but generally, the longer you invest for the better.

Your investments can go up as well as down, and so you should always be prepared for the event that you could lose money.

You can add £20,000 for the current tax year, and this amount refreshes each tax year.

You can withdraw money at any time from your Stocks and Shares ISA.

Yes, you can transfer from your Cash ISA to a Stocks and Shares ISA at any time. However, do check you won’t lose out by transferring, as some Fixed Rate Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.