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Santander Share Dealing ISAs

Review of the Santander Share Dealing ISA Account

Santander Share Dealing ISAs

Review:

With a  Santander Sharedealing account you can kickstart your portfolio with a flexible account that allows you to buy, sell and hold all your investments in one place. 

You can open an account online in a matter of minutes, then manage your investments 24/7 via their website or app. Alternatively you can always speak to a person using their helpdesk.

What do Santander Offer:

General Features:

  • Wide Investment choice
  • Expert analysis
  • Smart mobile app
  • Flexible investing

Sharedealing Features:

  • Live UK share prices
  • Price improvement service
  • Interactive share charts
  • Stop loss and limit orders
  • Watchlists

What are Santander Share Dealing Costs?

Santander Share Dealing fees include: 

  • £2.95 flat rate commission per trade (on LSE)
  • No inactivity fees
  • No maintenance fees
  • No custody fees

How much you pay for online share dealing is determined by how many trades you placed in the previous calendar month.

Go To Santander Website »


Choosing a share dealing ISA provider

Every share dealing ISA provider offers something different, so it's well worth doing some background reading before investing. The provider you choose will depend on your personal investment goals, attitude to risk, and the level of control you want to have over your funds.

If your priority is flexibility, some share dealing ISA providers offer…

  • Online, phone or mobile app trading, so you can keep track of your investments wherever you are.
  • No inactivity penalties, so you can leave your investments untouched without incurring any charges.
  • A wide range of investment options to help you create a balanced portfolio and assess risk.
  • Both UK and international deals, allowing you to access a broader range of potential investment opportunities.
  • Share price alerts to help you stay on top of the market easily.
  • A nominee account which allows you to manage your investments all in one place while your ISA provider takes care of the administration.
  • Trading tools and access to research.
  • As well as ISA accounts most providers offer Self Invested Personal Pensions (SIPPs) which can compliment ISA saving. Check with different providers for their charging structures which can vary.
  • Something else to look out for is whether the provider will pay interest on cash. While you decide on which investment are right for you knowing you are getting interest on any cash balance is a bonus.

If your priority is value for money, some share dealing ISA providers offer…

  • Low or non-existent set-up fees.
  • Low administration charges.
  • Low minimum monthly investments.
  • A quote-finding service to help you get the best price for your shares on the market.
  • Discounts for frequent traders - for example, your individual dealing fee may be reduced if you complete a certain number of share transactions per month. So, if you make 10 or more deals in one month, you might receive a discount on each deal you make the following month.
  • Discounts for regular investors - you may be offered a discount on dealing fees, provided that you regularly invest a certain amount each month.

Most providers tend to offer a mixture of the above benefits, so it's worth researching your options.

5 things to look out for when picking a share dealing platform for your ISA

  1. While trading fees is often the first thing you might look at - cheapest is not always best. Make sure the platform provider offer the services you require.
  2. Platform functionality is improving all the time
  3. If you want to invest in funds check the providers charging structure - this can vary significantly from one provider to the next. Hargreaves Lansdown have an extensive range of funds where they have negotiated fund discounts for their investors.
  4. If you want to invest in ETFs or international shares make sure the platform offers this
  5. Do plenty of research before choosing a home for your money.

Why invest using an ISA

The current ISA allowance is £20,000 which means for a couple you can invest a whopping £40,000 into an ISA which will be sheltered from tax. Under current legislation that means you will not pay any income tax on interest or capital gains tax on any realised gains when money is taken out the ISA.

Using a share dealing ISA or self select isa as they are often called provides investors with a lot of control - recent platform developments give investors the tools to be fully informed before they make investment decisions. Utilising your annual ISA allowance makes a lot of sense in maximizing your returns. 

Improve the way you select shares today...

... "How to select shares" guide.

This guide reveals six common sense strategies, used by successful investors, to help you identify shares with potential. Plus, discover simple analytical tools you can use to assess the health of a company and identify share price trends.

This indispensable plain English guide reveals:

  • How the economic cycle could affect which shares to buy
  • Sources of inspiration for selecting shares
  • The insight you could gain from director deals
  • How to get the best out of newspaper tips
  • Clues for spotting potential opportunities
  • How to use fundamental analysis to assess the health of a company and technical analysis to identify share price trends

This guide is not personalised advice. If you're unsure of the suitability of an investment for your circumstances, please seek advice. The value of investments can fall as well as rise so you could get back less than you invest.

FREE Guide »

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.

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7th August 2020

The tax-free returns offered by an Investment ISA (otherwise known as a Stocks and Shares ISA) can be very tempting at first glance - however, as with any investment, it is important to weigh up the pros and cons. So we've put together a list of what you need to consider before opening your own Stocks and Shares ISA account. 

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