Best DIY Stocks and Shares ISAs

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

InvestEngine
Platform fees
£0
Trading fee
£0
Minimum deposit
£100
Invest in funds only
More details ▼
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 0.78%, depending on which ones you choose

Free fractional share
Trading 212
Platform fees
£0
Trading fee
£0
Minimum deposit
£1
New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC
More details ▼
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)
Trading fee
£0
Minimum deposit
£100 or £25 per month
More details ▼
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: 4.84%

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 0.78% depending on the funds you choose

NuWealth
Platform fees
£1 per month + 0.1%
Trading fee
£0
Minimum deposit
£10
More details ▼
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%

Other options

Vanguard
Platform fees
0.15% (minimum £4 per month)
Trading fee
up to 0.46%
Minimum deposit
£100 per month or £500
Sells its own funds only
More details ▼
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
Platform fees
0.25%
Trading fee
£5.00
Minimum deposit
£25 per month or £500
More details ▼
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%

Hargreaves Lansdown
Platform fees
0.45%
Trading fee
£11.95
Minimum deposit
£1
More details ▼
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%

Freetrade
Platform fees
£4.99 per month
Trading fee
£0
Minimum deposit
£1
More details ▼
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

£100 of trades for free
Interactive Investor
Platform fees
£4.99 per month
Trading fee
£3.99
Minimum deposit
£25 per month
Open an ISA or trading account and get £100 of free trades
More details ▼
Additional Info

FSCS Protected: Yes

Transfer in existing ISA?: Yes

Interest on uninvested cash: 1.5%

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%

Offer details: You get the first £100 of trades for free if you open an Interactive Investor ISA or Trading Account before 31 January 2025.

Three months free
CMC Invest
Platform fees
£10 per month (after three months)
Trading fee
£0
Minimum deposit
£1
Get the first 3 months of the Plus plan for free
More details ▼
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%
Trading fee
£0
Minimum deposit
£1
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.
More details ▼
Additional Info

FSCS Protected: Yes

Transfer in existing ISA?: Not currently available

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

Emma
Platform fees
£0
Trading fee
£0
Minimum deposit
£1
More details ▼
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%

IG
Platform fees
£0
Trading fee
UK stocks: up to £8 / US stocks: up to £10
Minimum deposit
£0
More details ▼
Additional Info

FSCS Protected: Yes

Transfer in existing ISA?: Yes

Interest on uninvested cash: No

Flexible ISA: Yes

Foreign exchange fee: 0.50%

Fund fees: When you invest in funds, you'll have to pay fund fees between 0.03% and 0.78%

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