Special offers
365 days. No account fees.
Enjoy no monthly account fee for a whole year when you start investing in your future today. Terms apply.
Important information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as, guaranteed annuity rates, lower protected pension age or matching employer contributions. Tax treatment depends on your individual circumstances and may be subject to change in the future. If you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.
Jump into investing with ii
It’s not what you know, it’s who you know. Your friend thinks you could benefit from joining ii and is gifting you a whole year with us, without account fees. Enjoy 12 months to explore our wide range of features and discover for yourself why we’re a great home for your investments.
All you need to do is open an account and add or transfer at least £5,000 to an ISA, Trading Account or Personal Pension. If you open a Personal Pension, the minimum amount must be paid or transferred into your Pension, not any other account.
Your friend will also get a cashback reward as a thank you for recommending ii. And once you’ve signed up, you can start recommending your own friends and get £200 or £400 for each one who joins us.
Choose the right investment account for you
Your friend will get £400 if you open a Personal Pension (SIPP) first, or £200 if you open a Stocks & Shares ISA and/or Trading Account first.
Stocks & Shares ISA
Make the most of your £20,000 tax-free savings allowance with our award-winning Stocks & Shares ISA. What’s more, your friend will get a £200 reward. It’s a win-win.
Managed ISA
Let us manage your ISA for you. Save time, leave it to the experts and feel confident in your investment goals - all for a low monthly fee. Your friend will also get £200 as a thank you for introducing us.
Personal Pension (SIPP)
Take control of your retirement with our four-time Which? Recommended Personal Pension (SIPP). And, there’s £400 in it for your friend.
Trading Account
Our flexible account, where you can invest in all markets in the way you want. And, your friend will get £200 to invest in the markets they want - after all, sharing is caring.
Open an account
Choose from our Stocks & Shares ISA, Managed ISA, Personal Pension (SIPP) or Trading Account.
Add money
Deposit or transfer a minimum of £5,000 to your new ii account.
Get your rewards
You’ll be signed up to your year without account fees and we’ll send £200 or £400 to your friend.
Join an award-winning investment platform
Kick-start your year without account fees with our award-winning investment accounts. We’re a three-time Which? Recommended SIPP Provider, Boring Money’s Consumer Choice and home to Times Money Mentor’s Best Stocks & Shares ISA.
Terms and conditions
When you open a Stocks and Shares ISA (Self-Managed of Managed) or Trading Account you will 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.
- Investor Essentials plan: £4.99 a month. Our low-cost plan for those investing up to £50,000. UK and US trades are £3.99.
- Investor plan: £11.99 a month. Our most popular plan. It includes your first trade free every month and you can add as many Junior ISAs as you need for your children. You can also add 2 friends or family members for free. UK and US trades are just £3.99.
- Super Investor plan: £19.99 a month. For super-charged investors. Your first 2 trades are free every month and you can add as many Junior ISAs as you need for your children. You can also add up to 5 friends or family members for free. UK and US trades are just £3.99.
All our plans allow you to invest as little as £25 a month using our free regular investing service.
On Investor Essentials, you must be set up to pay your fees by direct debit, and receive your communications electronically. Full terms for our Investor Essentials plan can be found here.
Read more: Our charges
- When you open our SIPP you will start on our £5.99 a month Pension Essentials plan.
- When the value of your account grows above £50,000 you will move onto our £12.99 a month Pension Builder plan.
- Existing customers with an ISA and/or Trading Account on our Investor Essentials plan can add a SIPP for an extra £5 a month. You can then invest up to £75,000 across your accounts. Above this you will move onto Investor + SIPP for £21.99 a month.
- You can add a SIPP on our Investor plan for just £10 a month (plus your existing monthly fee).
- There are some other fees for things like foreign currency exchange and Stamp Duty on shares. View our charges page for a full list.
- Benefits of our plans
- All our plans allow you to invest as little as £25 a month using our free regular investing service.
- UK and US trades cost only £3.99.
- There are no extra fees for taking money out of your pension.
- Full terms for our Pension Essentials plan can be found here.
1. Subject to these offer terms, Interactive Investor Services Limited (“ii”, “us”, “we” or “our”) will pay an existing ii customer with an ii Trading Account (the “Referrer") a reward (“Referral Award”) when a person they refer (“Friend”) opens a new ii Trading Account, ii Stocks and Shares ISA, ii Managed ISA or ii SIPP (each an “ii Account”) (the “Offer”).
2. To qualify for the Offer:
a. the Friend:
i. cannot be an existing ii customer; and
ii. must open an ii Account, via the Referrer’s unique referral link on or after 29 October 2025 and
iii. must fund their ii Account within a year of opening it (“Funding Period”) with an aggregate value of £5,000 (“Qualifying Funding Amount”); and
b. the Referrer must hold their own or a joint ii Trading Account (collectively, the “Qualifying Criteria”).
3. On meeting the Qualifying Criteria, we shall Pay the Referrer:
a. £200 when a Friend opens an ii Stocks and Shares ISA, ii Managed ISA or ii Trading Account as their first product; or
b. £400 when a Friend opens an ii SIPP as their first product; and
the Friend will not be charged the monthly subscription fee or SIPP fee as applicable (as set out in ii’s Rates and Charges) for a period of 12 months (the “Fee Free Period”).
4. Accounts can be funded via cash deposits or transfers from other providers.
5. On opening an ii Stocks and Shares ISA, ii Managed ISA or ii Trading Account, the aggregate sum of any deposits or transfers made into any ii Account shall count towards the Qualifying Funding Amount. On opening an ii SIPP, only deposits and transfers made into the ii SIPP shall count towards the Qualifying Funding Amount.
6. Any deposits made or transfers that complete after the Funding Period has ended will not count towards the Qualifying Funding Amount.
7. This Offer does not apply if the Referrer and/or the Friend’s ii Trading Account is held in the name of an entity (as opposed to a personal ii Trading Account held by an individual person or jointly by two people) or the Referrer is an individual named as a Power of Attorney or who is granted Third Party Access on an ii Trading Account and does not have their own ii Trading Account.
8. Charges are applicable for all ii Accounts opened in accordance with our standard Rates and Charges until the Qualifying Criteria is met.
9. The Fee Free Period will commence within 10 working days from the date the Qualifying Criteria is met.
10. A Referrer shall be entitled to one Referral Award per Friend. If a Friend opens more than one ii Account, the Referrer will receive a Referral Reward for the first ii Account the Friend opens, even if they are opened on the same day.
11. Referral Rewards will be credited to the Referrer's ii Trading Account by the later of:
a. the date falling 30 days after the Qualifying Criteria is met; and
b. the date falling 30 days after the date on which the Referrer opens an ii Trading Account. Referral Rewards cannot be paid to any other ii Account.
12. You must be over 18 and a UK resident to be eligible for the offer.
13. Existing product terms and conditions apply in addition to the terms and conditions specific to this Offer. In the event of any conflict between these terms and conditions and the relevant product terms and conditions, these Offer terms and conditions shall prevail.
14. If the Friend’s ii Account is closed or transferred out within 12 months of being opened, we reserve the right to reclaim the Referral Reward.
15. A Referral Reward will not be paid if the Referrer is no longer an ii customer or has applied to transfer their ii Account(s) to another provider when the Referral Reward is due.
16. Taking advantage of this Offer means participants agree that ii is not liable for any costs, expenses, losses or damage sustained by any participant under this Offer.
17. You cannot refer yourself.
18. This Offer supersedes all previous referral offers made by ii and shall apply to all referrals made on or after the start of this Offer. After the Offer has ended, the monthly subscription fees on Rates and Charges on our website will apply.
19. All other Rates and Charges are not subject to this Offer and will apply during the Fee Free Period.
20. During the Fee Free Period, Friends are not entitled to trading credits under any of ii's service plans.
21. ii reserves the right to alter, withdraw or amend this Offer and/or these terms and conditions without prior notice.
22. Anyone who is seen to be abusing the Offer may be excluded at ii’s absolute discretion.
23. The laws of England and Wales govern this Offer.
24. All participants to this Offer agree to be bound by these terms and conditions.
