Investment Accounts
Whether you are looking for an investment account, making the most of your ISA or planning your pension, our flat fees mean more of your money for you. These fees stay the same, no matter how many accounts you have.
Our trading and investment accounts
A fair flat fee of £9.99 a month covers you for multiple accounts (add a SIPP for £10 a month). All service plans give you at least one free trade each month.
SIPP
Take control of your retirement with our great-value SIPP and choose how and where your pension is invested.
Trading Account
The place for everyday investing, where you can trade on all markets in the way you want.
Other investment accounts
Junior ISA
A tax-efficient way to save for your child’s future. Anyone can pay into it but there is a £4,368 total annual allowance. Available with an ii Trading Account, ISA or SIPP.
Joint Trading Account
A joint share dealing account held in the names of two people and used for trading shares on UK and global markets.
Free Research Account
A free account that allows you to build a virtual investment portfolio and gives you access to our research, analysis and award-winning newsletters.
Company Account
An account for UK limited companies to trade online. Investment options include UK and international equities, funds, ETFs and trusts.
Pension Trading
Invest in assets that are not tradeable through ii, such as property. You can set up an account in association with a SIPP or Small Self-Administered Scheme (SSAS).
Cash Savings
A standalone account that gives you access to exclusive and market leading interest rates from 25+ banks.
Choose an investment account that meets your needs
General investment
These accounts (Trading Account, Joint Trading Account and Company Account) give you the flexibility to invest on your terms. There is no upper limit on how much you can invest, and you can withdraw your funds at any time, but they do not have the tax advantages of other accounts.
ISA
The Stocks and Shares ISA gives you access to the same investments as a general investment account, without hitting you with income tax or capital gains tax. There is an annual limit on how much you can pay in – this year it is £20,000 – and while there are no withdrawal penalties, you may lose some of your allowance if you take cash out before the end of the tax year.
SIPP
SIPPs are a long-term investment with important tax benefits. You can receive tax relief for every contribution you make to your SIPP, of between 20% and 45% based on your tax band (this can be higher for Welsh and Scottish taxpayers). The maximum annual contribution is linked to your earnings, and your pot is locked until you reach the age of 55.
Free to transfer
We will not charge you to join us when you transfer cash or investments.
No exit fees
There is no fee to transfer to another provider should you leave us.
Low trade costs
Our lowest ever commissions start at just £3.99 with a Super Investor plan.
Free credit
We credit your account every month with a sum that you can use for trading or dividend reinvesting.
Transfer investments to ii
Make your portfolio easier to manage by having all your investments in one place. You will benefit from clear, low-cost fees and all the tools you need to get started. Our fixed pricing means you will always know what you are paying.
You can transfer your Stocks and Shares ISA, Cash ISA, pension, shares, investment trusts and unit trusts to us.
Investment account fees
You can begin investing for £9.99 a month. This covers you for multiple accounts (adding a SIPP is an extra £10 a month). We give you £7.99 free credit each month to use against any trade. Regular investing is free.