Investment accounts

Whether you are looking for a general trading account, an ISA or a SIPP, we’ve got you covered with a simple flat fee.

Please remember, investment value can go up or down and you could get back less than you invest. The value of international investments may be affected by currency fluctuations which might reduce their value in sterling.

Open a SIPP by 31 May and pay no SIPP fee until December 2021. Find out more

Our trading and investment accounts

Just £9.99 a month includes our ISA, Junior ISA and Trading Account (add a SIPP by 31 May and pay no SIPP fee until December 2021. Then just £10 a month extra).


Take control of your pension with our great-value, award-winning SIPP.

open a SIPP


Make the most of your £20,000 tax-free savings allowance with our award-winning ISA.

open an ISA

Trading Account

Our flexible account, where you can invest in all markets in the way you want.

open a trading account

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 £9,000 total annual allowance. Available at no extra cost when you open an ii Trading Account, ISA or SIPP.
  • Joint Trading Account: joint share dealing account held in the names of two people. Invest in funds, shares, trusts and more.
  • Company account: An account for UK limited companies to trade online. Investment options include UK and international shares, funds, ETFs and trusts.
  • Pension trading: If you have a SIPP or SSAS from another pension provider, you can manage its investments yourself through the ii platform using a linked Pension Trading Account.
  • Cash savings: A standalone account that gives you access to exclusive market-leading interest rates from 25+ banks.

Choose an investment account that meets your needs


A Stocks and Shares ISA allows you to invest up to £20,000 a year without paying tax on your gains. You can access your money at any time. Many people start with an ISA for the tax benefits, and then move on to a Trading Account for the rest of their investing.

General investment (trading account)

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. However, they do not have the tax advantages of an ISA.


SIPP (Self Invested Personal Pension) is a long-term investment with important tax benefits. Every contribution you make to your SIPP will receive a boost in the form of tax relief. You can invest up to 100% of your annual earnings (capped at £40,000). Once you reach 55 you can access our full range of flexible retirement options.


Why open an investment account with ii?

  • Our low, flat fees don’t grow with your investments – so more of your money stays invested.
  • You could be up to £43k better off over 30 years when you keep a Trading Account and Stocks and Shares ISA with ii. Learn more
  • We give you a free trade every month, and there are no trading fees with our regular investing service.
  • We offer the widest choice – over 40,000 UK and international investment options, including sharesfundstrusts and ETFs.
  • Your £9.99 monthly fee also includes our Stocks and Shares ISA and Junior ISA

Analysis shows you could be better off by £43k over 30 years of investing in an ii Trading Account (General Investment Account) plus an ii ISA due to our low flat fees. This is just for illustration if all other factors were the same. The advantage of lower flat fees over time means that you could be significantly better off in the long run. By how much will always depend on your personal circumstances. More about our analysis

Transfer investments to ii

Make your investments easier to manage by keeping them all in one place. Our low, flat fees mean that the more you keep with us, the more you will save.

You can transfer your Stocks and Shares ISA, Cash ISAs, general investment accounts and pensions to us. We'll keep you updated along the way.

Investment account fees

  • It costs £9.99 to join ii, which includes our Trading Account, Stocks and Shares ISA and Junior ISA.
  • Add a SIPP for just £10 a month extra. (Special offer: open a SIPP by 31 May and pay no SIPP fee until December 2021. Terms apply.)
  • Your first trade each month is free. Additional trades usually cost £7.99.
  • It’s free to top up your investments each month with our regular investing service.
  • There are some activity-based charges for things like Stamp Duty and foreign currency exchange. View our charges page for a full list.

Investment accounts FAQs

An investment account is a low-cost and flexible way to buy and sell funds, shares and bonds. At ii we offer a Trading Account with no investment limit, a low-cost Stocks and Shares ISA, and a flexible SIPP.

You can open an investment account with ii in under 10 minutes. You will need your address details, your debit card, and your National Insurance number – then you can start your application.

This depends on the type of account:

Stocks and Shares ISA – you can only contribute to one Stocks and Shares ISA in a tax year. You are allowed to have other types of ISA at the same time, but the £20,000 annual allowance applies to all your ISAs combined. So if you have contributed £10,000 to a cash ISA, you can only add £10,000 to your Stocks and Shares ISA.

Trading Account – you can open more than one Trading Account. For example, you might have one account for share dealing and another for longer-term investing.

SIPP – you can have multiple pensions, including SIPPs. However, for retirement planning it can be easier to have all your pensions in one account. However, you might not want to transfer pensions that have safeguarded benefits – e.g. final salary pensions.

Yes, it’s easy to transfer your Stocks and Shares ISA, pensions and general investment accounts (Trading Accounts) to us.

You can also transfer money from a cash ISA into our Stocks and Shares ISA.

Learn more about transferring to ii.

Risk Warning: The price and value of investments and their income fluctuates: you may get back less than the amount you invested. If you are unsure about the suitability of a particular investment or think that you need a personal recommendation, you should speak to a suitably qualified financial adviser. Please note, the tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in future. If you are uncertain about the tax treatment of the products you should contact HMRC or seek independent tax advice.