Welcome to interactive investor

At ii we offer different service plans, each with a fixed monthly fee. This covers the cost of products, access to trading and platform services. 

Moving between plans is easy and can be changed at a later date, and there are no exit fees should you choose to leave. You can read all about our different plans at our charges.

With ii you have the option to set up a specific Direct Debit to pay your account fee. Otherwise, we take it from any available cash in your Trading Account or ISA.

Paying your monthly account fee by Direct Debit means you don't have to remember to keep your ii account topped up with cash to cover it.

As your fee-free period is ending, you will soon start paying your monthly account fee. Your fee will depend on which service plan you have - you can find out more at our charges.

If you hold a Company or Trust account, there are some extra costs for us in administering it. We charge £30 each month to cover these in addition to your monthly account fee. Your non-personal accounts charge is collected at the same time as your account fee.

If you live overseas, we will charge £4 each month for the additional costs in administering your account, in addition to your monthly account fee. Your non-UK resident fee is collected at the same time as your account fee.

At ii, you have access to a wide range of expert insights and exclusive research tools to help you make informed, educated investment decisions. Our team of award-winning experts and content writers offer articles, videos and podcasts that cover daily market and sector news, technical analysis and expert interviews. You also have the option to consider select investment ranges, chosen by impartial experts.

At ii you have access to one of the widest ranges of UK, US and international investments on the market. Choose your investments from across 17 global exchanges. Our range of options includes shares, funds, ETFs, investment trusts and more.

Yes, this is also known as a ‘Bed & ISA’ at ii and is an online service. On your instruction we move the investment(s) you want from your Trading Account to your ISA in one simple transaction. You are only charged for the repurchase at your standard online rate. The sale is free.

As well as benefitting from our free regular investing service, when placing other trades with ii, you have a range of options available to you. You can trade at the current market price, or you can ask us to trade for you when prices reach a certain level.

For example, you could set a price at which you wish to sell specific shares. If the price is reached, your shares are sold. If not, the trade is cancelled.

This takes place automatically, so you’ll have one less thing to worry about when your attention is on other things.

You can read more about the different types of orders you can place with ii.

The only minimum investment amount is for our regular investment product, which is £25 a month. For trading outside of this, there is no minimum investment amount, providing you have sufficient available cash on your account to cover the purchase including our costs and charges.
 

Yes, you can hold cash in up to 9 foreign currencies in your account.

In Trading Accounts and SIPPs you can convert currency from GBP into overseas currencies.

You can receive proceeds and income payments back in those currencies, ready to invest again. This gives you full control over your international investment strategy.

Through ii you have direct access to a wide range of US investments. To buy shares listed on a US market, you need to complete a W-8BEN form first. This form captures information that is required for the US Internal Revenue Service (IRS). Having a valid W-8BEN means you can benefit from treaty relief on dividend and interest payments if you live in a country that has a relevant treaty with the US. You can complete a W-8BEN online from the first time you log in to our platform.
 

International trading is available on 17 global exchanges. You will pay a foreign exchange fee to us to add or convert cash to local currencies in a Trading Account or SIPP. But, after that, there is no need to pay an additional foreign exchange fee for international trading at ii as you will be trading directly in the local currency. You do still have to pay any local transaction taxes that apply. If you settle international trades in GBP at ii, you can view a breakdown of our foreign exchange fees at our charges.

Yes,  you will be able to take part in any Initial Public Offers and share offers that ii participates in.
 

Interest is paid on cash balances held in GBP, USD and EUR. Cash held in ISA, JISA, Trading and SIPP accounts is treated separately on an individual account basis. Cash balances in different currencies are treated separately for the purposes of calculating interest, even if held within the same account. Accrued interest is not payable on any accounts closed within the calculation period. Interest on all accounts will be calculated on your daily cleared credit balance and will be credited on or around the 25th of each month. All such interest will be paid gross of Income Tax and it is your responsibility to account for any tax payable on such interest (unless we are required by law to deduct tax).

At ii we don’t offer a written dealing or withdrawal service. You can contact our Customer Support team to place trades, withdraw cash and update your personal details. Alternatively, you can access our website to do this.

You can fund your account in the following ways:

• A debit card registered in your name
• Direct Debit from a UK bank account registered in your name
• Electronic transfer from a UK bank account registered in your name
   

You can request that any cleared funds on your account are transferred directly to your nominated bank account. Funds can be requested via our online platform or by calling our call centre (charges may apply for any urgent transfer requests, please refer to our current rate card for full details).

Following any sale of assets, funds will remain in your account until you wish to either withdraw or reinvest them. You can set up a nominated bank account and withdraw funds quickly and easily to suit you. Please note that all GBP dividends, regardless of value will be sent out to you.

We will tell you, whenever it is practical for us to do this, about any rights issue, calls, conversion, subscription, or redemption rights and takeovers or other offers arising from capital reorganisations attached to your investments. You will have the opportunity to exercise your rights in these cases, with online access to help you react quickly and easily.

Any person nominated to get information on your account (a 'third party') will still be able to call ii to access the same information.

The ii mobile app makes it easy to access and manage your accounts wherever you are. You can use your current username and password to set it up. Plus, you can opt for fast, secure sign-in with face recognition or fingerprint technology. We offer a version for both Apple and Android devices - minimum system requirements apply. Please see our mobile apps page for further details.

It’s important that we hold an up-to-date email address for you, as it acts as your unique username for accessing the ii website. If you don’t have an email address on your account, you won’t be able to benefit from the online features of your account and will be restricted to a phone only service.

In addition, a key part of your security profile for your online access and safety, is and will be, your email address. Importantly this email address needs to be a unique email to you as an individual. Today, if we detect any unusual activity on your account, if you need to complete a password reset, or you update your information, we will send you an email to confirm it was you.

We won’t use your email address for marketing purposes, unless you give us permission.

In order to protect you, we may use your mobile number to confirm certain actions through our website or over the phone (such as changing your bank or personal details). Without a mobile number, some of your account’s features will be restricted in order to continue to protect you and your account. Having a mobile phone number allows you to take advantage of all our existing security features, so we strongly recommend adding your number to your account if you can.