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-Select ISAs - featured accounts

    • Provider/Product name My Choice (New ISA)

      Scottish Friendly

      My Choice (New ISA)

    • Product Details

      • You can have an Investment ISA, even if you have a Cash ISA
      • Start now from just £10 a month or a £100 lump sum
      • Manage your money by creating different policies for different investment goals within your ISA
      • Invest in a wide choice of funds including stock market and bond funds
      • Flexibility is built in. You can start, stop, raise or lower your payments and cash in online
      • The value of your investment can go down as well as up, so you could get back less than you have paid in
      • Scottish Friendly don't have shareholders, so profits are used for their customers' benefit

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    Limited offer

    A £25 welcome gift card redeemable at over 70 UK retailers such as Amazon, M&S, Debenhams & iTunes!

    • Provider/Product name Stocks & Shares NISA

      Hargreaves Lansdown

      Stocks & Shares NISA

    • Product Details

      • Choose from over 2,500 funds, shares, Exchange Traded Funds (ETFs), corporate bonds, gilts and more
      • No dealing charges for funds. Plus save up to 5.5% on the initial charges made by the fund manager
      • Access to an exclusive range of super low costs funds
      • Buy and sell shares in your NISA from £11.95 per trade online, frequent dealers can pay as little as £5.95 per trade
      • Manage your account online or use their free mobile and tablet apps
      • UK-based help desk with average telephone waiting times of less than 10 seconds

      Please remember investments can fall in value as well as rise, so you could get back less than you invest. Tax rules can change, and the tax benefits of an NISA will depend on your circumstances.

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    • Provider/Product name Investment ISA

      AJ Bell Youinvest

      Investment ISA

    • Product Details

      Deal online from £4.95 and never pay more than £9.95 per online deal
      No account charge
      Market leading investment range
      Free transfer in service
      Use the Regular Investment Service and never pay more than £1.50 per online deal when you buy an investment
      Save monthly from just £25
      Open online in just a few minutes
      93% of customers would recommend AJ Bell Youinvest to a friend
      Please note the value of investments, and any income from them can go down as well as up and you may not get back your original investment

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    • Provider/Product name (Stocks & Shares) ISA

      Barclays

      (Stocks & Shares) ISA

    • Product Details

      • Annual or quarterly charge: Fixed rate admin fee of £30+VAT p.a., waived if fully invested in funds from the Fund Market.
      • Can I get advice? No, Barclays do not offer advice. Investment values can fall. Tax rules can change in the future and their value to you will depend on your individual circumstances. If unsure you should see independent advice.
      • 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).
      • Minimum investment: £5
      • Maximum investment: 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? There is a fee of £30 per holding.
      • Inactivity fees? There are no inactivity fees.
      • Incentive? No

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    • Provider/Product name Trust ISA

      F&C Investments

      Trust ISA

    • Product Details

      • Choose from a wide range of award-winning trusts
      • Growth and income solutions
      • Flexibility to switch between trusts to suit your changing needs
      • Set up and manage your ISA easily online
      • One simple charge covers all your ISAs
      • Leading investment trust provider with over 145 years' experience

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    • Provider/Product name Trading ISA

      TD Direct Investing

      Trading ISA

    • Product Details

      • New £15,000 annual ISA allowance  
      • Wide range of investment options; including UK & International shares, 1,600 clean funds, AIM stocks, ETPs, REITs, short and long-term bonds & gilts  
      • Trade on the award winning online platform or mobile app from £5.95 (20 or more trades per month, last 3 consecutive months, UK stocks)
      • £0 yearly account administration fee for ISAs with a balance of £5,100 or over (on valuation date). £30 +VAT for ISAs valued below £5,100
      • No charge for account closures. £50 + annual admin fee for full Plan transfers or £25 per holding for partial Plan transfers
      • Fast, easy access to UK & 17 international markets
      • 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', typically between 0.75% and 1.75%. See provider's website for details
      • Free investing e-Guides, seminars/webinars, trading tools and a London based Investor Centre

      Don’t forget, the value of your investments and the income derived from them can go up or down.  You may not get back all the money you invest.  If you're in any doubt about how suitable the ISA is, you can seek independent advice.

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    • Provider/Product name ISA

      Interactive Investor

      ISA

    • Product Details

      • Straightforward Investing in a wide range of UK and International Shares, Funds, Gilts and bonds
      • Transfer your existing investments (terms apply)
      • Winner of best Consumer Platform for Funds at the Aberdeen Platform Awards
      • £20 fee per quarter includes trades to the value of £20, plus free ISA account
      • £10 per trade or £5 on our frequent trader rate
      • No percentage charges or hidden fees on funds
      • Invest in your ISA via your desktop, phone or tablet
      • No additional charge for investing via the telephone
      • One 2 One seminars to help you understand how to get the most out of your account
      • The value of your investments can fall as well as rise

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    • Provider/Product name Stocks & Shares ISA

      Alliance Trust Savings

      Stocks & Shares ISA

    • Product Details

      - Some of the lowest Annual Management Charges (AMC) on the market
      - Online monthly dealing from only £1.50
      - Choose from a wide range of investments of UK equities, gilts, bonds and ETFs
      - Over 1,900 investment funds from over 65 UK Fund Managers

      Investments can go down as well as up. You may get back less than you originally invested. A full list of applicable charges are available via their website. Tax rules may change in the future and taxation will depend on your personal circumstances. Alliance Trust Savings doesn't give advice.

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    Exclusive

    Receive a £25 John Lewis voucher when you open this account

    • Provider/Product name Stocks & Shares ISA

      Shepherds Friendly

      Stocks & Shares ISA

    • Product Details

      • Stocks and shares ISA invested in our with profits fund
      • Save up to £15,000 tax-efficiently
      • Save from as little as £30 per month
      • Lump sum payments are also accepted
      • Get a Love2shop voucher worth up to £30 when you apply - terms and conditions apply, refer to provider for full details
      • Quick and simple online application process

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    • Provider/Product name Stocks and Shares ISA

      Standard Life

      Stocks and Shares ISA

    • Product Details

      • Apply online in minutes
      • Easy online access with secure login
      • Invest as little as £50 a month or a £500 lump sum
      • 0% initial charge on over 1,800 mutual funds
      • Our MyFolio Managed Funds gives you the best price for the fund in the market
      • Your investment is at risk
      • Standard Life are covered by the FSCS

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Direct Providers - featured accounts

    • Provider/Product name Stocks & Shares ISA

      Virgin Money

      Stocks & Shares ISA

    • More details

      • Virgin Money offers a choice of three funds that can be held in a Stocks and Shares ISA
      • Choose between the FTSE Tracker Fund, Climate Change Fund and Bond & Gilt Fund, or a mixed investment between all three
      • In the current tax year you can invest up to £15,000 in a Stocks and Shares ISA
      • Boost your tax-friendly savings with a Stocks and Shares ISA by investing a lump sum or by saving regular monthly amounts
      • Invest by transferring existing ISAs to us
      • There is no minimum term. Stop, start, increase or decrease your payments at any time
      • UK based Customer support team - on hand to answer your questions
      • Ongoing charges apply to the funds

      Remember, the value of your investment can go down as well as up and you may get back less than you invest. This is a medium to long term investment so you should be prepared to invest your money for at least five years.

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    • Provider/Product name Flexible NISA (Stocks & Shares ISA)

      Fidelity

      Flexible NISA (Stocks & Shares ISA)

    • More details

      As a leading investment company, Fidelity aims to give you the best ISA savings, great choice and a level of expertise you won’t find anywhere else.

      The Fidelity Price Promise: If you find a fund for less from our main competitors, we'll refund the difference. Terms & Conditions apply
      • Quick and easy account opening and fund selection with Fidelity's online tools
      • One low cost service fee, no additional charges on over 2,000 investment options from more than 75 providers when you buy direct with Fidelity’s fund supermarket. Fund management charges still apply
      • Monthly savings from £50 per month
      • Easy online ISA purchase, 24/7 online account management and mobile app

      ISA eligibility and tax rules apply. All tax rules may change. Capital at risk. Fidelity doesn't give advice

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    Price Promise

    Fidelity Price Promise: If you can find it for less with one of our main competitors, we’ll refund the difference. T&Cs apply. Capital at risk.

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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