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

Ultra-low-cost app-based ISA with global stocks, ETFs and new Cash ISA.

Overall

9.0/10

Use code Mate for a free ETF or stock

Fees10.0

Cost10.0

Ease8.0

Range7.0

Flex8.0

Fees10.0

£0 platform/dealing; ~0.1% FX on foreign trades; no ISA account fee.

Other fees may apply. Capital at risk.

Ease of use8.0

Modern, simple app; good UX; still lighter on tools than big platforms.

Monthly cost10.0

On £10k mainly UK/GBP ETFs, typical cost ≈£0.50–£1/month in FX skim.

Options7.0

UK, US, EU stocks & ETFs, fractional shares; no mutual funds or bonds.

Flexibility8.0

Flexible S&S ISA; transfers in; auto-invest “Plans” and fractional buys.

FSCS Protected

Other platforms, ranked

Freetrade

Score

8.0

App-only, commission-free broker with simple S&S ISA and basic features.

Fees8.5

Cost8.8

Ease8.0

Range7.0

Flex6.0

Fees8.5

ISA now FREE on Basic plan (Sept 2025). 0.99% FX. Standard £5.99/mo unlocks mutual funds & 0.39% FX.

Other fees may apply. Capital at risk.

Monthly cost8.8

£0/month on Basic (ISA free). £5.99 for funds + lower FX.

Ease8.0

Options7.0

Flexibility6.0

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

8.0

ETF-only ISA with no platform, dealing or FX fees, built around portfolios.

Fees9.0

Cost10.0

Ease7.0

Range6.0

Flex6.0

Fees9.0

DIY ISA: £0 platform/dealing/FX; Managed: ~0.25% annual management fee.

Other fees may apply. Capital at risk.

Monthly cost10.0

DIY £10k portfolio ~£0/month platform cost; only ETF OCFs apply.

Ease7.0

Options6.0

Flexibility6.0

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

7.5

Low-cost index fund giant offering simple S&S ISA with own funds/ETFs.

Fees7.0

Cost8.0

Ease7.0

Range8.0

Flex6.0

Fees7.0

0.15% platform fee (capped), £0 fund dealing, £7.50 ETF trades; no FX fee.

Other fees may apply. Capital at risk.

Monthly cost8.0

On £10k, platform ~£1.25/month plus underlying fund/ETF OCFs.

Ease7.0

Options8.0

Flexibility6.0

FSCS

Visit Vanguard →

#10

AJ Bell

Score

7.0

Well-established low-cost platform with wide market access and research tools.

Fees7.0

Cost7.0

Ease7.0

Range8.0

Flex7.0

Fees7.0

~0.25% platform on funds; capped share custody; £5.95 online share dealing.

Other fees may apply. Capital at risk.

Monthly cost7.0

£10k mainly in funds ≈£2.10/month platform fee, plus any dealing charges.

Ease7.0

Options8.0

Flexibility7.0

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

7.0

Full-service platform with huge fund range, research and strong customer support.

Fees5.0

Cost6.0

Ease8.0

Range9.0

Flex7.0

Fees5.0

0.45% on funds to £250k; shares/ETFs from 0.45% capped; £5.95–£11.95 trading.

Other fees may apply. Capital at risk.

Monthly cost6.0

£10k in funds ≈£3.75/month platform fee, plus any share dealing charges.

Ease8.0

Options9.0

Flexibility7.0

FSCS

Visit Hargreaves Lansdown →

#14

Trading 212

Score

7.0

Commission-free trading app with low-cost S&S ISA and wide stock coverage.

Fees9.0

Cost9.0

Ease5.0

Range8.0

Flex8.0

Fees9.0

£0 platform/dealing; ~0.15% FX on FX conversions; no ISA account fee.

Other fees may apply. Capital at risk.

Monthly cost9.0

On £10k diversified, costs typically under £1–£2/month from FX & spread.

Ease5.0

Options8.0

Flexibility8.0

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 13 Jul 2026, 11:49

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.