ISA fees & charges
We believe in fair and transparent charges that provide great value for money. Find out how our Stocks & Shares ISA can help you keep more of what you make.
Important information: As investment values can go down as well as up, you may not get back all the money you invest. If you're unsure about investing, please speak to an authorised financial adviser. Tax treatment depends on your individual circumstances and may be subject to change in the future.
A flat, monthly ISA fee
Most Stocks & Shares ISA providers charge a percentage fee, meaning the more your ISA grows, the more you pay.
At ii, we're different. We charge a low, flat monthly fee, saving you money on charges.
When you open a Stocks & Shares ISA with ii, you will start on our £4.99 a month Investor Essentials plan, which includes a Trading Account too. When the combined value of your ISA and/or Trading Account grows above £50,000 you will move onto our £11.99 a month Investor plan.
The flat-fee savings only get better if you consolidate your investments with us. Whether you are looking for a SIPP, ISA, Junior ISA, or a Trading Account, we’ve got you covered.
ISA and/or Trading Account
| Invest up to | Monthly fee | Plan |
|---|---|---|
| £50,000 | £4.99 | Investor Essentials |
| No limit | £11.99 | Investor |
ISA and/or Trading Account + SIPP
| Invest up to | Monthly fee | Plan |
|---|---|---|
| £75,000 | £9.99 | Investor Essentials + SIPP |
| No limit | £21.99 | Investor + SIPP |
Example of how we calculate your Stocks & Shares ISA charges
Mark has an ISA valued at £42,000 and holds no other ii accounts. His ISA portfolio is split between funds, shares and cash.
Mark contributes £200 per month to his ISA using ii’s Free Regular Investing service, but he does make the occasional trade.
In the table, find an example of Mark's monthly charge when he makes one trade in a month.
A look at Mark's ISA charges
| Investor Essentials plan | £4.99 |
| £200 monthly investment | Free Regular Investing |
| 1 share/fund trade | £3.99 |
| Total charge for the month | £8.98 |
Important note about charges
The investments you choose may have their own charges, such as charges from a fund manager. These are in addition to our charges. Other charges, including foreign exchange (FX) fees, may apply.
ISA trading fees
UK and US shares, funds, ETFs & bonds
Our trading fee is a low £3.99 per trade.
If you invest often, our regular investing service is free when you invest more than £25 a month.
International trading fees
International shares cost £9.99 per trade, or £5.99 if you're on our Super Investor Plan.
Additional charges, like FX fees, may apply—check our full trading fees for large trades.
Dividend reinvestment
Our dividend reinvestment service with the ii Personal Pension costs just 99p per trade, with a £10 minimum per reinvestment.
What's included in your Stocks & Shares ISA charge?
Enjoy a wide range of investments
Choose from a wide range of shares, funds, ETFs, bonds, investment trusts and more. If you need inspiration or ideas, get the latest on stock market news from our experts.
Market leading research and tools
More choice doesn’t have to mean more complexity. Let our expert insights and market leading investment research tools do the legwork for you.
Lean on our UK-based support
Get in touch with our award-winning customer service team with any questions. They can also help with adding an ISA to your account.
See why Nick transferred his ISA to ii
“I’ve been really happy with ii’s fees. It was the predominant reason I changed. It was just obvious. I knew I was going to get charged a flat rate and that’s what I was after. That’s why I’m with ii.”
Nick chose the ii ISA so he could rely on a simple, predictable flat fee. Hear why he joined over 450,000 investors taking greater control of their financial future.
Learn more about Stocks & Shares ISAs
ISA tax benefits
Looking for a way to to enjoy tax free savings and investments in the UK? An ISA is an option with several important tax benefits.
Buying US shares in a UK ISA
Find out what you need to do to start buying US shares in your UK Stocks & Shares ISA.
Top ISA funds
Discover the top ISA investment funds purchased by ii customers.
ISA guides
This knowledge hub has all the information you need to know about ISAs.
ISA charges FAQs
We collect your monthly ISA fee by Direct Debit. You can set this up easily when you open your account.
If you haven’t set up a Direct Debit, we’ll try to collect the fee in other ways:
- From any cash held in your ISA
- If no cash in your ISA, then from cash held in your Trading Account, if you have one
- Your debit card if we hold your details
If no other payment option is available, we reserve the right to sell investments in your account to cover any unpaid fees.
We’ll always aim to collect fees in the most straightforward way first and only use these additional steps if necessary.
It’s completely free to transfer to us. Your current provider may charge exit fees, so please check first.
If you have any questions about transferring to ii, please contact our friendly UK-based customer support team.
While there are no additional charges for keeping cash in a Stocks and Shares ISA, it is important to keep some cash available in your account to pay for other fees and charges.
Your cash will earn interest being held in our Stocks and Shares ISA. Find out more about our cash interest rates.
If you’re not trading, you will only pay the monthly account fee. If you want to trade regularly but are worried about trading fees to mounting up, consider using our free regular investing service.
