Here are some Stocks and Shares ISA for when you want to choose your own investments
Do-it-yourself Stocks and Shares ISAs are ones where you choose the investments for your portfolio yourself. This could be a range of company shares, different types of funds and possibly even some commodities or precious metals. You’d be in control of managing your portfolio and ensuring it reflects the risk you plan to take.
Our picks below assume that you’re mostly interested in passive investing, which is mostly suited to beginners. This would mean you’d want to invest in exchange-traded funds (ETFs) or index funds. With many of these providers, you can also invest in shares, but this takes a lot more knowledge and skill.
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Best DIY Stocks and Shares ISAs
Here at Be Clever With Your Cash, we’re not regulated to give you financial advice. We aim to give you the facts about a provider or investment but it’s up to you to decide if it’s suitable for you. If you’re looking for more personalised guidance, find a financial adviser who can give you specific advice. Remember that your capital is at risk when investing — don’t invest more than you are prepared to lose.
Our top picks
Up to £100 welcome bonus
Get up to £100 welcome bonus when you invest £100 or more. Sign up via the button or use promo code BCWYC (T&Cs apply). ETF costs apply
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Additional Info
You can't invest in individual shares with InvestEngine, just exchange-traded funds (ETFs)
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: No
Flexible ISA: Yes
Foreign exchange fee: N/A
Fund fees: When you invest in funds you'll also have to pay fund fees between 0.03% and 0.89%, depending on which ones you choose
Offer details: Ends 31 August 2025
▲ Free fractional share
New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Fractional shares: Yes
Interest on uninvested cash: 4.90%
Flexible ISA: Yes
Foreign exchange fee: 0.15%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78% depending on the funds you choose
Offer details: Once the account is open, you then need to add at least £1 to your account within 10 calendar days. It will take about three days for the share to be added. This offer is only for Trading 212 Invest or the Trading 212 Stocks & Shares ISA.
Further details: Remember, the value of any money invested, which includes your free share, could go up or down.
▲ AJ Bell Dodl Platform fees
0.15% (minimum £1 per month)
Minimum deposit
£100 or £25 per month
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Other investment options: You could also choose to invest in managed portfolios with Dodl
Interest on uninvested cash: 4.58%
Flexible ISA: No
Foreign exchange fee: 0.75% (up to £10,000)
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.45% depending on the funds you choose
▲ Other options
NuWealth Platform fees
£2 per month + 0.25%
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: No
Flexible ISA: Yes
Foreign exchange fee: 0.75%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%
▲ Vanguard Platform fees
0.15% (minimum £4 per month from 28 February 2025)
Minimum deposit
£100 per month or £500
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: 2.35%
Flexible ISA: Yes
Foreign exchange fee: N/A
Fund fees: When you invest in funds you'll also have to pay fund fees between 0.03% and 0.78%
▲ AJ Bell Minimum deposit
£25 per month or £500
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: 2.07% up to £10,000
Flexible ISA: No
Foreign exchange fee: 0.75%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: 2.53%
Flexible ISA: No
Foreign exchange fee: 1.00%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%
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Additional Info
To get an ISA with Freetrade you need to be signed up to the Standard Plan, which costs £4.99 per month
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: 3% on up to £2,000
Flexible ISA: Yes
Foreign exchange fee: 0.59%
Fund fees: If you invest in funds, you'll have to pay fund fees between X and Y
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: 1.51%
Flexible ISA: No
Foreign exchange fee: 1.50%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%
▲ Three months free
CMC Invest Platform fees
£10 per month (after three months)
Get the first 3 months of the Plus plan for free
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Additional Info
To get an ISA with CMC Invest you need to be signed up to the Plus Plan, which costs £10 per month
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: 2%
Flexible ISA: Yes
Foreign exchange fee: 0.50%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%
Offer details: The first three months of the Plus Plan are free, after which it'll cost you £10 per month
▲ Plum Platform fees
£2.99 per month + 0.45%
You can only invest in funds with the ISA. You need a Plum Pro account which costs £2.99 per month to start investing in Plum funds.
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: No
Flexible ISA: No
Foreign exchange fee: 0.45%
Fund fees: When you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%
Further details: You're limited to 16 funds to invest in, and can invest in the full range of 26 funds with the Premium plan which costs £9.99 per month
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Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: No
Flexible ISA: No
Foreign exchange fee: 0.99%
Fund fees: When you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%
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