Compare UK Stocks & Shares ISAs

Risk warning: Capital at risk. Investment values can rise or fall and you may get back less than you invest. Other fees may apply — always check each provider's full fee schedule. Tax treatment depends on individual circumstances and ISA rules may change. Not financial advice.

Lightyear

Low-cost, app-first investing with fractional shares, a Stocks & Shares ISA and Cash ISA.

Overall

8.8/10

Use code Mate for a free ETF or stock

Fees9.0

Cost10.0

Ease9.0

Range8.0

Flex8.0

Fees9.0

£0 platform fee; ETFs £0; stocks £1/trade; FX 0.1%.

Other fees may apply. Capital at risk.

Ease of use9.0

Polished mobile app with simple investing and clear pricing.

Monthly cost10.0

About £0/month platform cost on £10,000; dealing/FX may apply.

Options8.0

Stocks and ETFs, including fractional shares; no conventional funds or bonds focus.

Flexibility8.0

Flexible ISA; transfers supported; recurring investments available.

FSCS Protected

Other platforms, ranked

Freetrade

Score

8.2

Simple app-based investing with fractional shares, recurring investments and a low-cost Stocks & Shares ISA.

Fees9.0

Cost9.0

Ease9.0

Range8.0

Flex8.0

Fees9.0

Basic plan £0 platform fee; £0 dealing on supported assets; FX and plan limits apply.

Other fees may apply. Capital at risk.

Monthly cost9.0

About £0/month on £10,000 with the basic plan; paid plans and FX may apply.

Ease9.0

Options8.0

Flexibility8.0

FSCS

Visit Freetrade →

Interactive Investor

Score

8.0

Flat-fee ISA (from £4.99/month). Great value once your portfolio is £30k+. Huge investment range.

Fees7.5

Cost6.5

Ease7.0

Range9.5

Flex8.5

Fees7.5

Flat £4.99–£11.99/month depending on plan. £3.99 UK trades; free regular investing.

Other fees may apply. Capital at risk.

Monthly cost6.5

£4.99/month on £10k — flat fees hurt small pots, help big ones.

Ease7.0

Options9.5

Flexibility8.5

FSCS

Visit Interactive Investor →

InvestEngine

Score

8.1

Low-cost ETF specialist offering DIY and managed Stocks & Shares ISAs.

Fees10.0

Cost10.0

Ease8.0

Range6.0

Flex7.0

Fees10.0

DIY ISA has £0 platform, dealing and withdrawal fees; managed option is 0.25%.

Other fees may apply. Capital at risk.

Monthly cost10.0

About £0/month for a £10,000 DIY ETF portfolio; managed costs 0.25% yearly.

Ease8.0

Options6.0

Flexibility7.0

FSCS

Visit InvestEngine →

XTB

Score

8.0

Commission-free stocks & ETFs up to €100k/month, 0.5% FX. Strong xStation platform, real UK Stocks & Shares ISA.

Fees8.5

Cost8.0

Ease7.5

Range8.0

Flex7.5

Fees8.5

£0 commission on stocks/ETFs up to €100k/month volume, then 0.2%. 0.5% FX fee.

Other fees may apply. Capital at risk.

Monthly cost8.0

~£4/month on £10k (FX drag on non-GBP trades).

Ease7.5

Options8.0

Flexibility7.5

FSCS

Visit XTB →

Dodl (by AJ Bell)

Score

7.5

Ultra-simple, low-cost ISA from AJ Bell. 0.15% platform fee (min £1/month).

Fees8.5

Cost8.5

Ease8.5

Range6.0

Flex7.0

Fees8.5

0.15% account charge (min £1/month). No dealing fees. Fund fees ~0.31% (AJ Bell funds).

Other fees may apply. Capital at risk.

Monthly cost8.5

£1/month on £10k — one of the cheapest around.

Ease8.5

Options6.0

Flexibility7.0

FSCS

Visit Dodl (by AJ Bell) →

Fidelity Personal Investing

Score

7.5

Established fund-focused platform. 0.35% service fee (capped £90/year for shares/ETFs/ITs).

Fees6.5

Cost7.0

Ease7.5

Range8.5

Flex8.0

Fees6.5

0.35% service fee (min £90/yr if under £25k in funds, waived by monthly plan). £7.50 share trades, free fund trades.

Other fees may apply. Capital at risk.

Monthly cost7.0

~£2.90/month on £10k in funds.

Ease7.5

Options8.5

Flexibility8.0

FSCS

Visit Fidelity Personal Investing →

Prosper

Score

7.5

0% platform fee ISA newcomer. Rebates fund fees on select managers. Also has Cash ISA.

Fees9.5

Cost9.5

Ease7.0

Range6.5

Flex7.5

Fees9.5

0% platform fee. Fund fees vary; Prosper rebates some. Zero dealing fees on funds.

Other fees may apply. Capital at risk.

Monthly cost9.5

£0/month platform on £10k (fund fees still apply).

Ease7.0

Options6.5

Flexibility7.5

FSCS

Visit Prosper →

Vanguard

Score

7.1

Low-cost, long-term index investing through Vanguard funds and ETFs.

Fees8.0

Cost8.0

Ease8.0

Range5.0

Flex6.0

Fees8.0

0.15% platform fee capped at £375/year; Vanguard fund dealing is generally free; FX/product costs may apply.

Other fees may apply. Capital at risk.

Monthly cost8.0

About £1.25/month on £10,000 at 0.15%; fund charges are additional.

Ease8.0

Options5.0

Flexibility6.0

FSCS

Visit Vanguard →

#10

AJ Bell

Score

7.9

Broad, competitively priced ISA platform balancing investment choice with useful regular investing tools.

Fees7.0

Cost7.0

Ease8.0

Range9.0

Flex9.0

Fees7.0

0.25% platform fee; shares £5 or £3.50 frequent-trader rate; funds £1.50; FX starts at 0.75%.

Other fees may apply. Capital at risk.

Monthly cost7.0

About £2.08/month platform cost on £10,000; dealing and product charges may apply.

Ease8.0

Options9.0

Flexibility9.0

FSCS

Visit AJ Bell →

#11

Charles Stanley Direct

Score

7.0

Traditional full-service platform. 0.30% platform fee (min £60/yr, cap £600) with £50 trading credits every 6 months.

Fees6.0

Cost7.0

Ease7.0

Range8.5

Flex8.0

Fees6.0

0.30% platform charge (min £60/yr). £10 UK share trades, £4 fund trades. £50 trading credits twice a year.

Other fees may apply. Capital at risk.

Monthly cost7.0

~£2.50/month on £10k.

Ease7.0

Options8.5

Flexibility8.0

FSCS

Visit Charles Stanley Direct →

#12

Chip

Score

7.0

App-first savings & investing. 0% platform fee for 12+ months and a competitive Cash ISA.

Fees7.5

Cost7.5

Ease8.5

Range5.5

Flex6.5

Fees7.5

0.25% platform fee (0% for 12 months for new customers) + fund charges ~0.15%.

Other fees may apply. Capital at risk.

Monthly cost7.5

~£2.10/month on £10k after promo ends.

Ease8.5

Options5.5

Flexibility6.5

FSCS

Visit Chip →

#13

Hargreaves Lansdown

Score

7.8

Full-service ISA platform with the broadest investment range, research and investor support.

Fees6.0

Cost6.0

Ease8.0

Range10.0

Flex9.0

Fees6.0

0.45% platform fee; shares £11.95/trade; funds typically free to deal; FX and fund charges apply.

Other fees may apply. Capital at risk.

Monthly cost6.0

About £3.75/month platform cost on £10,000; dealing and product fees may apply.

Ease8.0

Options10.0

Flexibility9.0

FSCS

Visit Hargreaves Lansdown →

#14

Trading 212

Score

9.2

Commission-free, app-led investing with fractional shares and both Stocks & Shares and Cash ISAs.

Fees10.0

Cost10.0

Ease10.0

Range9.0

Flex9.0

Fees10.0

£0 platform and dealing fees; FX 0.15% on foreign-currency trades.

Other fees may apply. Capital at risk.

Monthly cost10.0

About £0/month platform and dealing cost on £10,000; FX may apply.

Ease10.0

Options9.0

Flexibility9.0

FSCS

Visit Trading 212 →

#15

Moneybox

Score

6.5

Beginner-friendly app with round-ups. Also offers a competitive Cash ISA.

Fees5.5

Cost5.5

Ease9.0

Range6.5

Flex6.5

Fees5.5

£1/month subscription + 0.45% platform fee + fund fees ~0.12–0.30%.

Other fees may apply. Capital at risk.

Monthly cost5.5

~£4.75/month on £10k after subscription + fees.

Ease9.0

Options6.5

Flexibility6.5

FSCS

Visit Moneybox →

#16

Plum

Score

6.5

Auto-save app with themed funds, individual stocks, plus a Cash ISA.

Fees5.5

Cost5.0

Ease8.0

Range6.5

Flex7.5

Fees5.5

£2.99/month Plus subscription + 0.45% platform fee + fund fees. Free tier limited.

Other fees may apply. Capital at risk.

Monthly cost5.0

~£6.75/month on £10k (Plus tier).

Ease8.0

Options6.5

Flexibility7.5

FSCS

Visit Plum →

#17

Wealthify

Score

6.5

Aviva-owned robo-advisor with managed portfolios. Also offers a Cash ISA.

Fees6.0

Cost5.0

Ease8.5

Range5.5

Flex6.5

Fees6.0

0.60% management fee + ~0.16% fund costs. No dealing fees.

Other fees may apply. Capital at risk.

Monthly cost5.0

~£6.33/month on £10k.

Ease8.5

Options5.5

Flexibility6.5

FSCS

Visit Wealthify →

#18

Nutmeg

Score

6.0

Robo-advisor owned by JP Morgan. Fully managed portfolios — no picking required.

Fees4.5

Cost4.0

Ease8.5

Range5.0

Flex7.0

Fees4.5

0.75% up to £100k (Fully Managed), 0.45% Fixed Allocation. Plus fund costs ~0.19%.

Other fees may apply. Capital at risk.

Monthly cost4.0

~£7.83/month on £10k (Fully Managed).

Ease8.5

Options5.0

Flexibility7.0

FSCS

Visit Nutmeg →

How we score & key terms explained▾

Scoring (1–10)

Fees — platform/custody, dealing commission, FX. 10 = effectively free.
Monthly cost — estimated £/month on a £10k portfolio. 10 = cheapest.
Ease — app polish, onboarding, statements, customer support.
Options — breadth of investments (stocks, ETFs, funds, bonds, fractional).
Flexibility — flexible ISA status, transfers in/out, partial withdrawals.

Glossary

ISA allowance — £20,000/year total across all ISA types (2025/26).
Flexible ISA — withdraw money and replace it in the same tax year without using extra allowance.
FX fee — currency conversion charge when buying non-GBP assets (e.g. US stocks).
Platform fee — annual % or flat fee to hold the account, separate from dealing costs.
FSCS — UK Financial Services Compensation Scheme: protects cash deposits up to £120,000 and investments up to £85,000 per person per firm if the provider fails.
AER — Annual Equivalent Rate; the standardised interest rate on cash savings.

Rates and fees change frequently. Always verify on the provider's website before opening an account. This is information, not financial advice.

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Updated 10 Oct 2026, 20:48

For information only. Not financial advice. Capital is at risk. Tax treatment depends on your individual circumstances and ISA rules may change. Verify fees, rates & features on each provider's site before investing.

Providers listed are UK ISA managers authorised & regulated by the Financial Conduct Authority (FCA). Eligible cash deposits are protected by the FSCS up to £120,000 per person, per firm; eligible investments up to £85,000. Limits and eligibility vary by provider and product. This site is not affiliated with the FCA. Some links are affiliate links; we may earn a commission at no cost to you, which never affects our rankings.