Interactive Investor

Stocks & Shares ISA

One ISA, many opportunities.

Get tax-free investing all wrapped up with the ii ISA. Manage your own investments, let us take care of it for you - or a mix of both.

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Important information - investment value can go up or down and you could get back less than you invest. If you're in any doubt about the suitability of a Stocks & Shares ISA, you should seek independent financial advice. The tax treatment of this product depends on your individual circumstances and may change in future. If you are uncertain about the tax treatment of the product you should contact HMRC or seek independent tax advice.

What is a Stocks and Shares ISA?

A Stocks and Shares ISA, also known as a Self-Select ISA or Investment ISA, is a savings account that lets you invest your money and avoid paying UK income or capital gains tax.

Once you've opened an account, you can choose to invest in funds, shares, bonds, and other types of investments. Or you can opt for our Managed ISA and let us take care of the investing for you.

You can also withdraw your money whenever you need to, and you can contribute up to £20,000 a year - this is the maximum ISA annual allowance.

What is a Stocks & Shares ISA

Benefits of a Stocks and Shares ISA 

  • Tax benefits: You won’t pay any capital gains tax on the profits you make when selling stock within your ISA. You also won't pay tax on UK dividends or on income earned on bonds. Learn more about ISA tax benefits.
  • It can beat cash: Although not guaranteed, investing in the market has historically driven much greater profit than keeping money in a savings account or a cash ISA.
  • Freedom to choose where your money goes: From stocks and shares to funds, trusts, ETFs, government and corporate bonds and more. A stocks and shares ISA lets you access a huge range of investment opportunities. You can even invest in line with your beliefs and values through ethical and sustainable ISA portfolios. If you'd prefer, you can choose a managed portfolio and let us take care of it for you.
  • Inheriting an ISA is easy: Your spouse can inherit your stocks and shares ISA if you pass away, they would receive the value of your account as an additional one-off allowance.

Why choose the ii ISA?

We've put the 'individual' back into ISA. With ii you get a versatile, low-cost Stocks & Shares ISA that works around you and your life.

Your money, your way.

With our Self-managed and Managed options, whatever route your investing journey takes, we have an ISA for you.

Low, flat subscription, always.

Get the ISA you need at a fair, flat fee. No matter how your investments are managed, our same low-cost charge applies.

Investment peace of mind.

Feel confident and in control with ii, the award-winning investment platform trusted by over 400,000 investors.

How do you want to invest?

Are you more of a hands-on investor? Or simply prefer to leave it to the experts? Either way, we have the ISA for you. And all for our same low, flat monthly subscription. 

ii ISA

Do it myself

A Self-managed ISA puts the control firmly in your hands.

Build your investment portfolio from our full range of UK and international shares, funds and bonds.

Then manage your investments yourself, with our expert insights and ideas always there if you need them.

ii Managed ISA

Do it for me

Sit back, relax and leave it to the experts with a Managed ISA.

We'll match you to a tailored investment portfolio, that reflects the risk level you're comfortable with.

Then our experts will look after your investments for you - so you can rest easy, knowing your money is managed.

Compare the ways you can invest in your ii ISA

Do it myselfDo it for me
Choice & management
Investment selectionYou choose from thousands of UK & global stocks, bonds, ETFs and fundsWe choose an investment portfolio for you, based on your goals & risk profile
Who manages your investments?You’ll need to be comfortable monitoring and managing your investments yourselfWe’ll monitor and manage your investments and adjust them when needed
Costs & charges
Account chargeLow, flat subscription from £4.99 a monthLow, flat subscription from £4.99 a month
Trading feesFrom £3.99 per tradeNot applicable
Fund chargesOnly if you invest in fundsRange from 0.13-0.36% depending on your portfolio
Withdrawal chargesTrading charges apply to sell your investmentsNone
Everything else
Award-winning investment platform
UK-based customer support
Free regular investing
View investments online or in-app
Open a Self-managed ISAOpen a Managed ISA

Can’t decide?

You can always start investing with one option and add the other to your ISA at any time. That means you can have a mix of investments - some managed by you, some by us. All in the one ii ISA and all for our single, low-cost monthly subscription.

Our pricing

We offer two different plans for our Stocks and Shares ISA. When you open an account, you'll start on our £4.99 a month Investor Essentials plan. Should your investments grow above £50,000, you will move onto our £11.99 a month Investor plan. Whichever you choose, you get access to both our Self-Managed and Managed ISAs in one subscription.

Investor Essentials

£4.99 per month

Invest up to £50,000 with the basics. Includes:

  • A Stocks and Shares ISA
  • A Trading Account
  • Free regular investing

Investor

£11.99 per month

Invest over £50,000 on our most popular plan. Includes:

  • A Stocks and Shares ISA
  • A Trading Account
  • As many Junior ISAs as you have children
  • A free monthly trade
  • Free regular investing

Additional fees

  • UK and US trades cost only £3.99
  • Our regular investing service is free if you invest at least £25 a month. 
  • Other fees such as stamp duty and foreign exchange charges may apply.

Read our full charges for more.

What our customers say

How does a stocks and shares ISA work?

  1. A stocks and shares ISA is a savings account that lets you invest in a wide range of stocks, funds, bonds and other investment products.
  2. Once opened, simply add money and choose where you want to invest it. Or leave it to us if you open an ii Managed ISA.
  3. You can withdraw your money at any time, or keep trading until you reach your goals.

Learn more: Your ISA allowance | ISA investment ideas | ISA guides

ISA FAQs

Learn more about our Stocks and Shares ISA

Learn how to make the most of your Stocks and Shares ISA with our useful guides.

Investment ideas

Need inspiration? Our experts are here to help you get started.

ISA charges

Learn more about Stocks and Shares ISAs fees and charges.

Transfer an ISA

It's easy to transfer Stocks ISAs and Cash ISAs to ii.

Junior ISA

A tax-efficient way to invest in your child’s future.