Everyone can invest with ii Family
Give fee-free investing to your family and help them take control of their financial future.
Important information: As investment values can go down as well as up, you may not get back all of the money you invest. Currency changes affect international investments, and this can decrease their value in sterling. If you’re unsure if an investment account is right for you, please speak to an authorised financial adviser. Tax treatment depends on your individual circumstances and may be subject to change in the future.
All our accounts – ISA, Personal Pension, and Trading Account
Access to as many Junior ISAs as they have children
A wide range of investing tools and educational resources
How ii Family works
With ii Family, you can gift accounts to your family members. You simply add them to your plan and their monthly cost is zero.
Your family are free for you to add on our Plus and Premium plans. If you’re new to ii, opening an account is quick and simple, and for a single, flat fee, you can start sharing with your family.
| Plan | Core | Plus | Premium |
|---|---|---|---|
| Monthly fee | £5.99 | £14.99 | £39.99 |
| Family members included | ✗ | Up to 5 | Unlimited* |
| Investment limit per family member | N/A | Up to £100,000 | Up to £250,000 |
| Trading and FX rates for family members | N/A | Standard rates | £2.99 UK and US share trades, 0.25% FX |
You can find out more about how our price plans work here. For all the finer details of ii Family, please read the terms and conditions.
Secure your financial future - for you and your family
Already have an ii account?
If you're an ii customer, your family can start investing straight away.
New to ii?
Join ii today and start investing with your loved ones for less.
Investing is simpler for Peter and his family
“I’d love for my daughters to feel empowered enough to make their own choices. I think the financial freedom that comes from investment can give them that.”
For Peter, supporting his family’s financial future is simpler. For his daughters, ii has been an easy way to learn about investing and build towards their goals of buying a house and travelling.
How to add your family member
Already have an ii account? Log in to start adding your family. If you’re on our Plus or Premium plans, select the 'Offers' icon (top right), then select 'ii Family'. Core plan customers will need to upgrade to add a family member.
If you don’t have an account with us yet, you’ll need to join ii before adding your family.
Copy the invitation link and send it to your family member.
Each person you invite can then open an account or log in to accept the invitation.
You'll get a Secure Message to confirm your plans are linked. Though your plans are linked, you and your family members will have your own separate accounts and log in details, giving everyone investment autonomy and privacy.
What your family member needs to know
Your family member can open any of our accounts, including a Stocks and Shares ISA, Trading Account or Personal Pension (SIPP). They can also open Junior ISAs for their children.
If you’re on Plus, they can invest up to £100,000 without paying a monthly account fee. If their investments exceed this limit, they’ll move to our Plus plan, which costs £14.99 a month.
With Premium, they can invest up to £250,000 without a monthly account fee. They’ll also benefit from Premium’s £2.99 trading fee on UK and US shares and our lowest FX rate of 0.25%.
Family members can also invest without a trading fee using our free regular investing service.
ii Family FAQs
ii Family is intended for your family members, however you define who they are. You don’t need to share a last name or address, and we’ll never ask you to prove your relationship.
ii Family is available with our Plus and Premium plans, but the benefits are different.
With Plus, you can add up to five family members. Each can invest up to £100,000 without paying a monthly account fee.
With Premium, you can add unlimited family members. Each can invest up to £250,000 without a monthly account fee and benefit from Premium’s £2.99 trading fee on UK and US shares and our lowest FX rate of 0.25%.
Whichever plan you choose, everyone keeps their own secure, separate accounts.
Family account linking lets a family member give someone they trust permission to view and manage their investments.
You can set this up by logging into your account, visiting Subscriptions & Billing and selecting 'Set up Trusted Access'.
The person given access can monitor the portfolio, place trades, respond to corporate actions and manage shareholder voting. The account remains in the owner’s name and appears as a separate profile.
Some actions remain with the account owner. The person helping them cannot:
- Add or withdraw cash
- Transfer investments
- Change personal or payment details
- Open or close accounts
- Change the account’s service plan
Family linking is available with Premium. If you’re on another plan and need additional support because of your health, a life event or other personal circumstances, please contact us. Family linking may also be available based on your needs.
Family account linking is separate from ii Family. ii Family shares the benefits of a Plus or Premium plan but does not automatically give family members access to each other’s accounts.
ii Family terms & conditions
About this offer
1. These terms explain the ii Family Plan and Premium ii Family Plan offer (the “Offer”) provided by Interactive Investor Services Limited (“ii”, “we”, “us” or “our”). The Offer gives eligible ii customers access to a free monthly subscription for nominated family members who meet the requirements below.
Who can participate
2. The Offer is open to ii customers on either the Plus Plan or the Premium Plan. The customer who nominates family members under the Offer is the “Primary Customer”.
3. A Primary Customer on the Plus Plan is eligible for the ii Family Plan and may nominate up to five people at any one time. A Primary Customer on the Premium Plan is eligible for the Premium ii Family Plan and may nominate an unlimited number of people. Each nominated person must be a UK resident and aged 18 or over. Each nominated person is a “Secondary Customer".
The Primary Customer and each Secondary Customer linked to them are together “Qualifying Customers”.
Qualifying criteria
4. The following requirements must be met for the Offer to apply:
i. The Primary Customer must use the nomination process that ii makes available from time to time.
ii. The Primary Customer must have at least one open Qualifying Account. A “Qualifying Account” is an ii Stocks and Shares ISA, ii Managed ISA, ii Trading Account or ii Personal Pension. Joint accounts, ii PTAs, charity accounts, company accounts, investment club accounts, and accounts managed under a power of attorney do not qualify.
iii. A Primary Customer cannot nominate themselves as a Secondary Customer.
iv. Each Secondary Customer must have, or open, at least one Qualifying Account. Joint accounts, ii PTAs, charity accounts, company accounts and investment club accounts do not qualify.
v. The aggregate balance across a Secondary Customer’s Qualifying Accounts must be less than £100,000 for the ii Family Plan. For the Premium ii Family Plan, the Secondary Customer may hold up to £250,000 in aggregate across their Qualifying Accounts.
The requirements in this section, together with the nomination limits under “Who can participate”, are the “Qualifying Criteria”.
What you get
5. If a Plus Plan Primary Customer pays the applicable Plus Plan monthly subscription fee and the Qualifying Criteria are met, each linked Secondary Customer will receive the ii Family Plan at £0 per month. The ii Family Plan includes use of any Qualifying Account(s).
6. If a Premium Plan Primary Customer pays the applicable Premium Plan monthly subscription fee and the Qualifying Criteria are met, each linked Secondary Customer will receive the Premium ii Family Plan at £0 per month. The Premium ii Family Plan includes use of any Qualifying Account(s) and reduced trade costs and FX rates.
7. The ii Family Plan and Premium ii Family Plan are separate tiers of the Offer. The rates and charges applicable to each tier are set out on Rates and Charges page on ii’s website (the “Rates and Charges”) and may differ between the tiers. Other fees and charges for the relevant plan continue to apply.
8. Secondary Customers are not eligible for trading credits during the Offer.
Leaving the Offer
9. If a Secondary Customer on the ii Family Plan’s aggregate Qualifying Account balance exceeds £100,000, they will leave the Offer and move to ii’s Plus Plan. The Rates and Charges on ii’s website will then apply.
10. If a Secondary Customer on the Premium ii Family Plan’s aggregate Qualifying Account balance exceeds £250,000, they will leave the Offer and move to ii’s Plus Plan. The Rates and Charges on ii’s website will then apply.
11. If a Secondary Customer changes during the Offer to a service plan other than the applicable ii Family Member Plan or Premium ii Family Member Plan, they will leave the Offer and pay the rates and charges for that service plan.
12. A Primary Customer or any linked Secondary Customer may leave the Offer at any time by giving ii written notice. If a Primary Customer leaves, each linked Secondary Customer will move to either ii’s Core Service Plan if their aggregate Qualifying Account balance is less than £100,000 or to ii’s Plus Plan if their aggregate Qualifying Account balance is £100,000 or more and the relevant Rates and Charges will apply.
13. ii may exclude anyone who abuses or attempts to abuse the Offer, at its absolute discretion.
General terms
14. The terms and conditions for each relevant ii product also apply. If there is any conflict between those terms and these Offer terms, these Offer terms will prevail.
15. By participating in the Offer, each participant agrees that ii will not be liable for any costs, expenses, loss or damage incurred in connection with the Offer.
16. The Offer cannot be exchanged for an alternative offer.
17. ii will process personal data in connection with the Offer in accordance with its privacy policy here. By participating, each Qualifying Customer consents to ii sharing personal data with other Qualifying Customers where this is necessary to operate the Offer.
18. All other Rates and Charges that are not changed by these terms continue to apply.
19. ii may change, withdraw or amend the Offer or these terms at any time without prior notice.
20. These terms and the Offer are governed by the laws of England and Wales.
21. By participating, each participant agrees to be bound by these terms.
22. ii is the promoter of the Offer. Its registered office is at 201 Deansgate, Manchester, M3 3NW.
