EQi is a big established player

Whose parent company looks after a lot of the shares held by those who get issued shares through work.

What we say

Holly's View

Holly has accounts with all the providers on our website and independently reviews all of them.

This site is for the confident investor who knows what they are doing, and who is looking for a low-cost, no-frills service. Price is the USP and for any less confident investors there is very little help, content, guidance or substance to offer a more rounded experience.

Holly Mackay Holly Mackay
Holly Mackay Founder and CEO of Boring Money

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Overall Summary

Best Buy 2021

  • Low-cost ISA

  • Low-cost Pension

Ease of use

Halifax charge a set £36 yearly admin fee for their Stocks & Shares ISA, making it a cheaper alternative for both medium and larger portfolios than pretty much anyone else. Annual costs of a pension of more than £50,000 are £180 plus transaction fees. The website lacks sophistication and user-friendliness, feeling quite old-school and stuffy.


They do offer 3 ready-made funds, varying in risk – however these funds were launched in September 2019 and hence lack any meaningful track record. There is also a shortlist of 96 funds available, produced by global research house Morningstar. The site also supports trading UK, US and European equities.


Trading fees are £9.50 per trade, falling to £2 a trade if you set up a regular trading plan.

Mobile & Apps

There is no investment app available. The website is not particularly mobile-friendly, especially when assessing potential fund choices. Investors are even advised to only attempt certain functions on desktop.

Behind the scenes

If you know what you want – to get in, trade and then get out – it works fine. And at £12.50 a year to hold an ISA here, with additional trading fees, it’s easy to see why they don’t spend a lot on development. Really depends on what the individual wants but the less confident will get lost.

Ready-made

3 Scottish Widows ‘multi-asset’ funds are available from parent groups Lloyds Bank. Newly launched in September 2019 there is no meaningful track record. Costs will be a maximum of 0.74% a year to hold these funds on the platform, including a service fee and all investment costs.

Investment Choice

Products

  • Stocks and Shares ISA

  • Lifetime ISA

  • Investment Account

  • Pension

Investments available

  • Funds from other groups

  • Stocks and shares

Investment help

  • Pick your own funds

  • Pick your own shares

The 'Geeky' Details

Provider details

Halifax charge a set £36 yearly admin fee for their Stocks & Shares ISA, making it a cheaper alternative for both medium and larger portfolios than pretty much anyone else. Annual costs of a pension of more than £50,000 are £180 plus transaction fees. The website lacks sophistication and user-friendliness, feeling quite old-school and stuffy.


They do offer 3 ready-made funds, varying in risk – however these funds were launched in September 2019 and hence lack any meaningful track record. There is also a shortlist of 96 funds available, produced by global research house Morningstar. The site also supports trading UK, US and European equities.
Trading fees are £9.50 per trade, falling to £2 a trade if you set up a regular trading plan.

Important Facts & Figures

Provider Size:

A sizeable platform, administering billions. Part of FTSE 100 listed company Lloyds Banking Group.

Minimum amounts:

£0 minimum investment