Want to create a Stocks & Shares ISA account but don’t know where to start? Or maybe you want to see how your current provider stacks up? We’ve rounded up 33 providers to help you find the right fit for you. Just scroll down to view the full table, including why each provider made the cut, their fees and our own independent review. Alternatively, you can use the filters on the side to sort by our top picks, lowest cost or most recommended by other investors.
A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free.
A Cash ISA keeps your money in cash. A Stocks & Shares ISA invests your money in the stock market, which means higher potential returns but also the possibility of losing money.
Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a "flexible" one. Always check with your provider.
Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward.
It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value.
It depends on what you choose to invest in. The key is diversification — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners.
There are three main ones: no capital gains tax on profits when you sell investments, no tax on interest from bonds held within the ISA, and no tax on dividends. Outside an ISA, all three of these could cost you money depending on your tax bracket.
There's no single "best" ISA - it depends on your priorities. InvestEngine (97% would recommend) and Lightyear (100%) score highest for low-cost DIY investing, while Hargreaves Lansdown has the most reviews (3,910) for full-service support. Compare providers by cost, features and rating using Boring Money's ISA comparison tool above.
Trading 212, Freetrade, IG and InvestEngine all charge £0 in admin fees on their Stocks & Shares ISA, making them the cheapest on paper. You'll still pay underlying fund or investment charges on top, so always compare the total cost before choosing a provider.
Moneybox (88% would recommend) and InvestEngine (97% would recommend) are among Boring Money's highest-rated providers for new investors, thanks to easy-to-use apps and simple account set-up. Both let you start investing in ETFs or ready-made portfolios without needing prior investing knowledge or large sums to begin.
Yes. Boring Money is not owned by any investment provider and its star ratings are built from genuine customer reviews, each checked by an administrator before publishing. Where a link earns commission, this is clearly marked in orange, so you can see exactly which recommendations carry a commercial relationship.
A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick.
We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us here or send a letter to Boring Money Ltd, 37 Lombard Street, London, EC3V 9BQ.
Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available here.
By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors.
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