33 Providers
Our Rating
87%
Would recommend
Broad range of choice
Free ISA
0.15% foreign exchange fees
Our Rating
88%
Would recommend
Low cost
May be complex for beginners
Good investment ideas and content
Our Rating
83%
Would recommend
Can neatly integrate your investment account with your bank account
Affordable for fund investors
The logged-in user experience can be quite clunky
87%
Would recommend
Excellent service
Established company
Very strong service and educational content
82%
Would recommend
Not the cheapest solution in town
Pre-packaged investments
The most established 'robo'
82%
Would recommend
Large, secure global company
Good investment research tools
Expensive for portfolios under £25k unless you have a regular savings plan
82%
Would recommend
Free ISAs & SIPPs
Free trading
Offer all investment types (funds, shares, ETFs, investment trusts)
80%
Would recommend
Share dealing is available
'Ready made' options too
Low cost
81%
Would recommend
Low cost for large portfolios
Wide range of investments
Good for share dealing
97%
Would recommend
Trade ETFs for free
Low-cost
ETFs only - no funds and shares
100%
Would recommend
Low-cost trading
Relatively new platform
Good stock analysis tools
92%
Would recommend
Really easy to use and mobile-friendly
Quick set-up process
Handy illustration of potential investment growth
90%
Would recommend
Low fees on medium and large portfolios
Huge global player
Limited choice
83%
Would recommend
Strong household brand
Single dashboard includes workplace pensions and insurance too
No access to foreign shares
78%
Would recommend
Free financial coaching
Many investment types available, including ready-made options
Charges are higher on UK investments
90%
Would recommend
No trading fees
Free General Investment Account
Good information on sustainable investing
82%
Would recommend
Competitive platform fees
For HSBC customers only
Ready-made options and third-party funds available
88%
Would recommend
Excellent app
User-friendly tools simplify starting and maintaining investments
High platform fees
80%
Would recommend
Really easy to use
Ready-made options
This is regulated advice
100%
Would recommend
No trading fees
Limited number of shares
Quick account set-up
82%
Would recommend
Very cheap
No frills
Broad range of choice
78%
Would recommend
Really easy to use
Owned by household brand Aviva
Great website & design
84%
Would recommend
Good customer service
Wide choice of investments
Good fund research
85%
Would recommend
Low cost
Mobile-only
Free trading
81%
Would recommend
Cheap option, particularly for larger portfolios
Lack of guidance and help
Website is functional but outdated
77%
Would recommend
Only for NatWest customers
Limited investment choice
Low platform fees
98%
Would recommend
AI can help boost savings
Thematic investing
Holistic finance app
83%
Would recommend
Access via online banking
Simplified options available
Not the best website
75%
Would recommend
Actively managed investments only
Good app and slick website
Primary focus is financial advice
84%
Would recommend
Wide investment range
Nice research and content
Jargon-free
100%
Would recommend
Unique propostion
Positive impact on people and planet
Actively managed funds
Frequently Asked Questions About Stocks & Shares ISAs
What is a Stocks & Shares ISA?
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.
How is a Stocks & Shares ISA different from a Cash ISA?
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.
Can I take my money out whenever I want?
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.
How much can I invest in a Stocks & Shares ISA?
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.
Is a Stocks & Shares ISA right for me?
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.
How risky is a Stocks & Shares ISA?
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.
What are the tax benefits of a Stocks & Shares ISA?
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.Platform types
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.
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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.