Compare Self-select ISAs

Looking for a tax-free home for your savings? Want to pick your own shares? A self-select ISA could be for you. We give you access to a number of ISA providers who offer a share dealing ISA to make best use of your ISA allowance.

The value of your investment and the income derived from it can go down as well as up and you may get back less than you originally invested. The tax advantages of ISAs may change in the future and also depend on your individual circumstances.

MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of providers who can help

Product information supplied has been provided by each individual brand not moneysupermarket.com

Self-Self ISAs - featured accounts - ordered by a fixed annual management charge

    • Provider/product name Investment ISA

      AJ Bell Youinvest

      Investment ISA

    • Annual charge £0
    • More details

      Annual or quarterly charge: £0
      Can I get advice? No
      Cost per trade: From £4.95 online and you will never pay more that £9.95 per online deal. For regular investors, the dealing charge is just £1.50 per online deal
      What is a typical % charge on funds? 0.20% up to £50 maximum per quarter. The annual management charge applied by the fund manager is typically 0.75%
      How many investments am I able to pick from? Over 4,500 clean funds, an extensive range of ETFs, ETCs and investment trusts as well as all securities (shares) quoted on the London Stock Exchange and on over 21 international markets. AJ Bell Youinvest also offer bonds and PIBs
      Min/Max investment: £500 minimum for an initial lump sum investment. £25 a month for regular investors
      Can I transfer in existing ISAs and is there a fee? Yes. There is no charge to transfer an ISA to AJ Bell Youinvest
      Is there a fee for transferring away to another provider? No
      Inactivity fees: None

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    £500 Transfer Help!

    Currently offer to pay up to £500 towards any costs involved in moving your ISA

    • Provider/product name Stocks & Shares ISA

      Hargreaves Lansdown

      Stocks & Shares ISA

    • Annual charge £0
    • More details

      Annual or quarterly charge: £0
      Can I get advice? Yes, Hargreaves have an in-house team of advisors
      Cost per trade: No dealing fees for funds. From £5.95 to £11.95 online for shares
      What is a typical % charge on funds? Banded tiers from 0% to 0.45%. Plus fund manager charges - 0.55% on our Wealth 150+ and 0.1% on our Core Trackers
      How many investments am I able to pick from? Over 2,500 funds and shares listed on the UK, US, Canadian and European stock markets
      Min/Max investment: Open your ISA with a lump sum from £100, or start a monthly direct debit from just £25 per month 
      Is there a fee for transferring away to another provider? Yes, £25 per holding, or a flat £25 for transferring cash
      Inactivity fees: None

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    • Provider/product name (Stocks & Shares) ISA

      Barclays

      (Stocks & Shares) ISA

    • Annual charge £30 + VAT
    • More details

      Annual or quarterly charge: £30 +VAT p.a., waived if fully invested in funds from Barclays Fund Market
      Can I get advice? No
      Cost per trade: Barclays Stockbrokers Funds Market – no initial charges, saving you up to 5.5% and no dealing commission. Choose from over 2,000 managed by over 100 leading fund managers. Fund Manager Annual Management Charges (AMCs) still apply. Equities - from £11.95 down to £5.95 depending on number of deals per calendar month
      What is a typical % charge on funds? 0.68%
      How many investments am I able to pick from? Access to a range of assets and markets including funds, shares, gilts and bonds, Exchange Traded Funds (ETFs) and Exchange Traded Commodities (ETCs)
      Min/Max investment: £5, no maximum but subject to the current ISA allowance of £15,000 p.a.
      Can I transfer in existing ISAs and is there a fee? Yes you can transfer in other investment (stocks & shares) ISAs and cash ISAs. There is no fee to transfer in
      Is there a fee for transferring away to another provider? Yes, £30 per holding
      Inactivity fees: None

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    • Provider/product name Trading ISA

      TD Direct Investing

      Trading ISA

    • Annual charge £30
      or
      £0
    • More details

      Annual or quarterly charge: £30 +VAT per annum for ISA balances under £5,100 or £0 when you have either an ISA balance of £5,100 or more (on valuation date), or a regular investing facility
      Can I get advice? No
      Cost per trade: Online trading rates (UK equities & ETPs):
      Standard rate - £12.50
      Frequent rate - £8.95 (average 10+ trades/month in last three months)
      Active rate - £5.95 (average 20+ trades/month in last three months
      +£5 for trading international equities and ETPs online
      Regular/monthly investing rate - £1.50 (equities)
      No trading charge for funds
      Bed & ISA – No charge for sale; online trading rate to re-purchase
      What is a typical % charge on funds? 0.3% platform fee for funds (up to £250,000), 0.2% platform fee (over £250,000). £1,500 maximum annual charge per account (additionally, fund managers normally apply further 'Ongoing Charges'
      How many investments am I able to pick from? 1,850 funds, UK & International shares, AIM stocks, ETPs, gilts & bonds and Investment Trusts
      Min/Max investment: No min or max investment. You will be asked to fund your account with £100 when you open it
      Can I transfer in existing ISAs and is there a fee? No fee for transfers in but charges apply for non-UK stock transfers. Your current ISA provider may charge exit fees
      Is there a fee for transferring away to another provider? No fee for account closures. £50+ annual admin fee for full Plan transfers or £25 per holding for partial Plan transfers
      Inactivity fees: None
      Incentive: Please see TD Direct's website for latest offers

      The value of your investments and the income derived from them can go up or down and you may not get back all the money you invest.

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    • Provider/product name Trust ISA

      F&C Investments

      Trust ISA

    • Annual charge £60
    • More details

      Annual or quarterly charge: Annual charge - £60 +VAT (collected bi-annually 5th April/5th October)
      Can I get advice? F&C Investments investor services team cannot give any advice on the suitability of investing in plans. If you are in any doubt about your investment choices you should contact a financial advisor
      Cost per trade: Dealing charge 0.2% and 0.5% Government stamp duty on applicable purchases
      What is a typical % charge on funds? Annual charge £60 +VAT; Dealing charge 0.2% and 0.5% Government stamp duty on applicable purchases
      How many investments am I able to pick from? 12 Investment Trusts
      Min/Max investment: You can invest from £50 a month or a lump sum of £500. Max to the ISA annual allowance limit
      Can I transfer in existing ISAs and is there a fee? Yes, no charge (except 0.2% dealing charges and 0.5% stamp duty on applicable purchases)
      Is there a fee for transferring away to another provider? Yes, £50 +VAT dealing charges still apply (at postal rate, where applicable)
      Inactivity fees: None

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    • Provider/product name ISA

      Interactive Investor

      ISA

    • Annual charge £80
    • More details

      Annual or quarterly charge: £20 quarterly commission credit gives two free £10 trades and an ISA for free
      Can I get advice? No
      Cost per trade: £5 - £10 online, phone or apps
      What is a typical % charge on funds? 0% charge on funds
      How many investments am I able to pick from? Over 2,000 funds and over 3,000 UK companies
      Min/Max investment: £20 minimum, no maximum - although ISA allowances apply, £15,000 per tax year
      Can I transfer in existing ISAs and is there a fee? Yes you can transfer existing ISAs. No fee
      Is there a fee for transferring away to another provider? Yes £15 per investment line
      Inactivity fees: None

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    £120 cashback

    Transfer your existing investments and get up to £120* as a thank you *terms apply

Self-Self ISAs - featured accounts - ordered by percentage based annual management charge

    • Provider/product name Stocks & Shares ISA

      AXA Self Investor

      Stocks & Shares ISA

    • Annual charge 0.35% per annum
    • More details

      Incentive: £25 M&S voucher as a thank you when investing in AXA Self Investor's stocks and shares ISA*
      Annual or quarterly charge: Low annual ISA account charge of 0.35% p.a. on investments up to £250k or 0.20% p.a. on investments above
      Can I get advice? No AXA Self Investor don't offer financial advice, but they do provide a range of helpful tools to take some of the confusion out of investing and help you make informed investment decisions
      Cost per trade: AXA Self Investor won’t charge to buy or sell a fund
      What is a typical % charge on funds? Variable as these ongoing charges are set by fund managers
      How many investments am I able to pick from? Over 1,250 funds via four fund ranges
      Min/Max investment: Invest from as little as £50 per month or a lump sum of £500 or more. Invest up to £15,000 the current New ISA allowance
      Can I transfer in existing ISAs and is there a fee? Yes, you can transfer existing ISAs and AXA won’t charge a fee
      Is there a fee for transferring away to another provider? AXA Self Investor don’t charge a penny to transfer in, or out
      Inactivity fees: None

      The value of investments can go down as well as up so you may get back less than you invested

      *Offer ends 30/11/14 – Terms and conditions apply

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    M&S Voucher!

    £25 M&S voucher as a thank you when investing in AXA Self Investor's stocks and shares ISA

    • Provider/product name My Choice (New ISA)

      Scottish Friendly

      My Choice (New ISA)

    • Annual charge 1.50%
    • More details

      Annual or quarterly charge: 1.50% charged in one annual payment
      Can I get advice? No
      Cost per trade: If any difference, split for shares/unit trusts and advised/non-advised. There is no charge for a reasonable number of fund switches made per calendar year. However, excessive usage of more than 60 switches within a calendar year will incur a charge of £25 per subsequent switch
      What is a typical % charge on funds? 1.5% AMC (Annual Management Charge)
      How many investments am I able to pick from? Currently eight funds to pick from: Split into funds, shares, investment trusts, ETFs and corporate bonds
      Min/Max investment: £10/month minimum
      £100 lump sum minimum
      £15,000 maximum per year (from 1st July 2014)
      Can I transfer in existing ISAs and is there a fee? Yes you can transfer in. No fee
      Is there a fee for transferring away to another provider? No
      Inactivity fees: None

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    £25 Gift Card

    £25 My Rewards Card welcome gift. Min investment £10 / month or £100 lump sum

 Looking for a more hands off approach, take a look at a selection of directly managed stocks and shares ISAs

Show me directly managed funds

Our ISA service provides you with information on various ISAs as well as guides to help you decide on the right product for you. We earn commission based on arrangements we make to introduce you to product providers, further details are available on request. We do not provide you with advice and you should discuss specific product terms with the product provider. Self select ISAs can be higher risk than other ISAs. If you are in any doubt as to whether these plans are suitable you should seek independent financial advice. There is a risk that the company may be unable to repay your investment, for example if they were to cease trading. In this instance Stocks & Shares ISAs are eligible for the Financial Services Compensation Scheme (FSCS) up to £50,000 per person, per institution.

Self-select ISAs

Experienced investors who want greater control over their investment choices may want to consider using a self-select ISA.

These allow you to pick and buy shares and investments yourself to hold in a tax-free ISA wrapper. Here, we explain how self-select ISAs work and look at some of their advantages, as well as the potential risks.

What are self-select ISAs?

A self-select ISA is a type of stocks and shares ISA (as opposed to a cash ISA). As the name suggests, a self-select ISA enables you to choose what assets you want to hold in your ISA, rather than a fund manager making the decisions.

They are usually offered by stockbrokers and the wealth management arms of high street banks, and, because investments are held within an ISA, returns are free of income tax and capital gains tax. The maximum you can hold in a self-select ISA this tax year, or any stocks and shares ISA, is £15,000.

What types of self-select ISAs are available?

As well as individual shares, there is a wide range of other assets that can be held within a self-select ISA, including unit trusts, investment trusts, open-ended investment companies, bonds, gilts and exchange traded funds.

Remember that the value of these investments can fall as well as rise so there is more risk attached with investing in a stocks and shares ISA than there is with a cash ISA.

When choosing a self-select ISA, you’ll also need to decide whether you want to go for an execution-only broker, or a broker which offers advice.

Execution-only brokers have the lowest fees as they simply provide the internet trading platform you’ll need to trade shares and other investment. Broker firms that offer advice charge more because they will help you decide which shares to pick.

What are the advantages of a self-select ISA?

Picking the investments you want to hold within your ISA gives you much greater control in comparison to handing the reins over to a fund manager. However, bear in mind that you will need to actively monitor your investments and keep an eye on how they are performing – if you don’t have the time to do this, a self-select ISA may not be the right choice for you.

The other major advantage of a self-select ISA is the tax benefits. Investment growth and dividends received within the ISA are free of capital gains and additional income tax, which is particularly advantageous for higher rate taxpayers.

You can change your investments within your ISA if you want to, but remember you cannot move your money into a cash ISA.

How can MoneySuperMarket help?

It can be tricky working out where to go for your self-select ISA, but MoneySuperMarket.com enables you to compare what’s on offer to help you decide which provider is right for you.

You can see at a glance what all the major players provide, including trading costs and the number of funds available for you to choose from, plus which allow you to buy individual shares and other investments as well as funds.

 
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