Compare Self Select ISAs
Pick the best self select ISA to make the most of your tax free allowance this year.
Investment ISAs put your capital at risk & you may get back less than you originally invested
- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm
Good to know: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk. *New customers opening an ISA or GIA. Existing customers adding an ISA only No minimum deposit required. End date 28 February 2026
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- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm
Good to know: This ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. Annual service fee is tiered, typically 0.35%. Additional charges apply depending on your choice of investments. Plus, everything is backed by Fidelity’s 50+ years of investment experience. *Get £300-£3,000 cashback when you invest a lump sum and/or apply to transfer into an ISA/SIPP by 5 Apr 26. Offer: £50k min. investment, exclusions & T&Cs apply. Capital at risk. ISA/SIPP rules apply. Transferring is not right for all.
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- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm or £100 lump sum
Good to know: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk. *HL will refund their annual account charge – no questions asked.
- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm
Good to know: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2024. Low-cost online dealing from £1.50. Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
- Fund Choice: Over 12,500 investments, or a choice of five managed funds
- Invest From: No minimum
Good to know: Take charge of your investment decisions and invest from just £1 to build your investment portfolio from over 12,500 investments including ETFs, investment trusts, UK and international equities. 0.30% platform fee, capped at £50 per month, with £50 in trading credits twice a year. Alternatively choose an expertly managed portfolio by selecting from a range of five actively managed funds that most closely matches your investment objectives and risk appetite with an annual review to ensure to ensure your money is being managed in a suitable investment strategy. Advice is restricted to Charles Stanley Direct’s in-house funds and is subject to a minimum investment £20,000 Seamless integration with Charles Stanley Direct Cash Savings for competitive savings returns and instant transfers to investment accounts. Access to qualified financial coaches for investment guidance. Capital at risk. *The amount of cashback you could earn increases the more you transfer and applies to General Investment Accounts, Stocks & Shares ISAs, Junior ISAs and Self-Invested Personal Pensions. T&C’s apply
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- Fund Choice: Choose from almost 5500 stocks & funds
- Invest From: £1
Good to know: Choose from almost 5500 stocks & funds. Free ETFs; No Lightyear execution fees on ETFs. Move interest into high interest Vaults; Earn interest from high interest Vaults. Money is invested into BlackRock Money market funds, currently paying 4.02% AER on GBP (as of 10th October 2025). Pricing: 0.10% fee on EUR and GBP interest (0.15% for USD). There would be ongoing execution/FX charges based on pricing – FX fees may apply. Capital at Risk. The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future
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- Fund Choice: Invest in over 6,500 UK, US and international shares & funds
- Invest From: No minimum
Good to know: Commission-free investing: No fees for buying or selling stocks (other charges may apply). Support: Fast and friendly customer support. A wide range of investments: 6,500+ US, UK, and European stocks, ETFs, and investment trusts. Low monthly fees: £0 fee (basic plan). Capital at risk. Other charges may apply. *T&C’s apply
- Fund Choice: Invest in managed portfolios
- Invest From: £1,000
Good to know: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple Plans – including Ethical Plans – with different risk levels. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. There is a simple Annual Management fee currently no more than 0.6%. The tax treatment of your investment will depend on your individual circumstances and may change in the future. Wealthify is authorised and regulated by the Financial Conduct Authority. Capital at Risk
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- Fund Choice: Choice of three investment styles which give you the freedom to invest your money in a way that’s rewarding and comfortable for you
- Invest From: £25 a month or £250 lump sum
Good to know: Choice of three investment styles: Cautious (aims for modest growth with more investment in lower-risk assets), Balanced (aims for more growth with more investment in higher-risk assets), or Adventurous (aims to maximise growth with a focus on higher-risk assets). Fixed annual management charge of 1.1% for either fund. Manage your ISA 24/7 with their OneFamily’s online account. OneFamily is an award-winning investment provider with over 45 years’ experience in helping families make the most of their money. Must be over 18 and a UK resident to apply
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- Fund Choice: Choice of 2 Tracker Funds from L&G & Fidelity
- Invest From: £10
Good to know: App based stocks & shares ISA account. Choose to allocate your contributions between the two funds on offer in whatever proportion you choose: a shares fund (Fidelity Global Index fund) which aims to track the performance of global stock markets and therefore large companies such as Amazon, Facebook, Google and Johnson & Johnson, and a cash fund (Legal & General Cash Trust fund) which aims to provide returns in line with money market rates. Annual fee of 0.5% on the value of any investments. Two funds with their own management fees of between 0.12% and 0.15%. Change your allocation at any point. Option to opt into Round ups – collected from your bank by direct debit on a weekly basis and invested in line with your investment allocation
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- Fund Choice: Choose from a range of 36 funds and ETFs and 20 US stocks. Select one of three simple starting options with a range of tracker funds or build your own investment portfolio by customising your investment options
- Invest From: £1
Good to know: Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox. Earn 3.5% AER Variable on any uninvested cash you hold. There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information. Keep things simple and get started with one of our three starting options: Cautious, Balanced or Adventurous – and customise your investments to align with your values. Open with as little as £1. When investing, your capital is at risk
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- Trade From (frequent trader rate): £3.00
- Trade From (standard trader rate): £8.00
Good to know: Pay zero commission on US share trades, and just £3 on UK share trades, when you trade three or more times a month with IG. •No platform fees, custody fees or ongoing account charges. Capital at risk. Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 68% of retail investor accounts lose money when trading spread bets and CFDs with this provider.
What is a Self Select ISA?
A Self Select ISA is a Stocks and Shares ISA account that lets you pick your investments yourself.
They are often referred to as investment supermarket ISAs or investment platform ISAs.
You can hold various types of investments within a Self Select ISA, and it’s up to you to choose your portfolio yourself.
What stocks can I hold in a Self Select ISA?
Here are the top three stocks commonly held in a Self Select share ISA:
1. Shares
Shares represent a portion of a publicly traded company. A company’s share price can rise or fall in value, so the better they do, the more your holding is worth.
Some companies also pay dividends to shareholders each year. The more shares you hold, the more dividends you receive.
2. Managed Funds (OEICs, Unit Trusts and Investment Trusts)
Managed Funds are investment companies that invest in a particular sector or area.
As an investor, your money is pooled together with every other investor and then the whole sum is invested across multiple companies operating in that sector.
The fund managers are investment professionals who decide the best companies to invest in. They also take an annual Ongoing Fund Charge deducted from the performance of the investment.
3. ETFs (Exchange Traded Funds)
ETFs are similar to Managed Funds in that they focus on a specific stock index, sector or geographical area.
However, they don’t have a fund manager who decides on the best companies to invest in. Instead, they invest in the main companies in the index so that the performance of the ETF tracks that of the sector.
For example, a FTSE 100 ETF invests proportionately across all the companies listed in the FTSE 100, meaning the performance is exactly the same.
You don’t get expert fund management, but you pay significantly fewer charges with an ETF investment. They can even outperform fund managers operating in the same sectors, despite the fact that they simply track the same index.
How do I choose what stocks to invest in?
Choosing stocks can be a daunting task due to the sheer number of options and variety available.
Here are some top tips for creating your own ISA:
1. Diversify your portfolio
Investing in Managed Funds and ETFs are a great way to spread your investments across multiple companies in your Self Select Stocks and Shares ISA.
By investing in one fund, your money is split across tens or hundreds of different companies. This means if one of them performs poorly or even goes bust, it won’t have too much of an impact on your overall portfolio.
But don’t stop there. Investing in different funds and ETFs across multiple sectors and areas that you think will perform well will diversify your portfolio further and protect you from swings in specific sectors.
2. Do your research
Before investing in any company, fund or ETF, make sure you completely understand how it works.
For example, ETFs can be leveraged up to five times, meaning the performance of the index or sector is multiplied by five. IF you don’t know this before investing you could be in for a shock if the market goes down.
Additionally, some managed funds include performance charges that only kick in at certain performance thresholds. You need to know all the information before making your decision.
The best place to look is the Key Investor Information Documents (KIIDs) that contain all the vital investment details.
3. Don’t chop and change too much
Remember that the best investment returns come over the long term, so try not to change your Self Select ISA portfolio too often.
If you are buying and selling different investments on a weekly or even daily basis, you might find it difficult to outperform the dealing fees and bid-offer spreads that you’ll be subject to.
What is the best Self Select ISA provider?
Here are our top five considerations for choosing the best Self Select ISA provider for you:
- What investments are available?
- What are the annual management charges?
- What are the ad hoc charges, like dealing fees?
- How good is their customer service?
- How good is their app or online platform?
Finding the best Self Select share ISA provider for you depends on how you’re going to use it.
The above factors will vary in importance depending on what investments you hold, your investment strategy and how much help you’ll need.
Frequently Asked Questions
How much does it cost to set up a Self Select ISA?
It’s usually free to open a Self Select Stocks and Shares ISA, but you’ll pay ongoing charges on the investments you take out. You can view these in your ISA provider’s terms and conditions.
You should also look out for dealing and other ad hoc charges that may apply to you.
Can I buy individual shares in a Self Select ISA?
Yes, you can. You can hold as many individual shares in a Self Select share ISA as you want.
How much money can I put in a Self Select ISA?
The annual ISA allowance is £20,000. This is the amount you can contribute to Stocks and Shares ISAs and Cash ISAs combined.
Can I withdraw from a Self Select ISA?
Yes, you can withdraw from a Self Select ISA at any time once you sell your investments.
You can withdraw as much as you want.
Can I transfer my ISA into a Self Select ISA?
Yes, you can. You can transfer a Cash ISA or different Stocks and Shares ISA into your Self Select ISA at any time by completing a transfer form with your new ISA provider.
Make sure you complete the form and don’t just withdraw the money yourself to pay it into your new account, or your money will lose its ISA status and might not be allowed to put it all back in.
Are Self Select ISAs safe?
The value of your investments can go down, but you are protected by the FSCS if your ISA provider goes into administration.
Self Select Stocks and Shares ISAs are also regulated by the Financial Conduct Authority (FCA).