More reasons to invest with ii.
Until 30 September 2024, you can secure our free trades and cashback offers. Just open an ii account today to claim your reward.
> Open an ii ISA or Trading Account and get £50 of free trades.
> Open an ii Pension (SIPP) and get between £100 and £2,000 cashback.
Minimum deposit for cashback. Terms apply.
Please remember, investment value can go up or down and you could get back less than you invest. The value of international investments may be affected by currency fluctuations which might reduce their value in sterling.
Something special to get you started.
Reward yourself with one of our latest special offers when you join ii and start investing for your future.
- Open your ii SIPP by 30 September 2024 and get between £100 and £2,000 cashback. Minimum 10k account value and terms apply.
- Open your ii ISA or Trading Account by 30 September 2024 and get £50 worth of free trades. Other charges and terms apply.
Open an account
Whether you are looking for a general trading account, an ISA or a SIPP, we’ve got you covered with a low, flat fee.
SIPP.
Take control of your pension with our £5.99 a month Which? Recommended SIPP.
ISA.
Make the most of your £20,000 tax-free savings allowance with our award-winning Stocks & Shares ISA.
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 subscription.
Check before you transfer
Please check that you won’t lose any safeguarded benefits if you transfer. This could include guaranteed annuity rates or a lower protected pension age than the Normal Minimum Pension Age (rising from 55 to 57 in 2028). It’s also worth checking for any transfer-out charges.
It's important that you take enough time to decide whether transferring your pension is right for you. If you need more time and wish to qualify for this offer, please wait until the next offer period - we promote transfers to the ii SIPP on a regular basis.
Choose an investment account that meets your needs
ISA
A Stocks and Shares ISA allows you to invest up to £20,000 a year without paying tax on your gains. You can access your money at any time. Many people start with an ISA for the tax benefits, and then move on to a Trading Account for the rest of their investing.
General investment (trading account)
These investment accounts (our Trading Account, Joint Trading Account and Company Account) give you the flexibility to invest on your terms. There is no upper limit on how much you can invest, and you can withdraw your funds at any time. However, they do not have the tax advantages of an ISA.
SIPP
A SIPP (Self Invested Personal Pension) is a long-term investment with important tax benefits. Every contribution you make to your SIPP will receive a boost in the form of tax relief. You can invest up to 100% of your annual earnings (capped at £60,000). Once you reach 55 (57 from 2028) you can access our full range of flexible retirement options.
Ways to invest in our ISA
Are you more of a hands-on investor? Or simply prefer to leave it to the experts? Either way, we have the ISA for you. And all for our same low, flat monthly subscription.
ii ISA
Do it myself
A Self-managed ISA puts the control firmly in your hands.
Build your investment portfolio from our full range of UK and international shares, funds and bonds.
Then manage your investments yourself, with our expert insights and ideas always there if you need them.
ii Managed ISA
Do it for me
Sit back, relax and leave it to the experts with a Managed ISA.
We'll match you to a tailored investment portfolio, that reflects the risk level you're comfortable with.
Then our experts will look after your investments for you - so you can rest easy, knowing your money is managed.
Other investment accounts
- Junior ISA: A tax-efficient investment account to help you save for your child’s future. Anyone can pay into it but there is a £9,000 total annual allowance. Available at no extra cost on our Investor or Super Investor plans.
- Joint Trading Account: A share dealing account that is held in the names of two people. Invest in funds, shares, trusts and more.
- Company account: An account for UK limited companies to trade online. Investment options include UK and international shares, funds, ETFs and trusts.
Get better rates for your cash.
Our Cash Savings Account helps you find better interest rates, then seamlessly move to another deal at the end of your offer period.
Why choose ii?
- We're trusted by over 400,000 investors
- Rated 4.7/5 with 24,500+ reviews on Trustpilot
- More than 50% of our customers have been with us for more than 10 years
- 1 in 4 UK share trades are executed on the ii platform
- Our average hold time with our customer service team is under a minute
*We've crunched the numbers: If you invested in both our Trading Account (General Investment Account) and ISA, after 30 years you could be better off by £45k. That's more than £1,000 difference a year, just for using us over another platform. Lots of things can affect your final figure. But the lower the fees, the more money you'll keep for yourself. This is just for illustration if all other factors were the same. Don't just take our word for it: check our working out here.
Stocks & Shares ISA and Trading Account fees and charges
When you open a Stocks and Shares ISA 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 a free trade 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. You get 2 free trades 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.
Other fees such as stamp duty and foreign exchange charges may apply.
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
Transfer investments to ii
Make your investments easier to manage by keeping them all in one place. Our low, flat fees mean that the more you keep with us, the more you will save.
You can transfer your Stocks and Shares ISA, Cash ISAs, general investment accounts and pensions to us. We'll keep you updated along the way.
