Best Stocks & Shares ISAs (November 2025)

Here are some of the best platforms to invest tax-free

Stocks and Shares ISAs let you invest tax-free — which means you won’t pay tax on capital gains, dividends or any interest earned on the money you put in them. You have a £20,000 ISA allowance each year, which includes any Cash ISAs or Lifetime ISAs you have. This means that you can pay up to £20,000 into ISAs each year and for as long as the money is held in them, it is tax-free.

There are broadly two types of Stocks and Shares ISA to choose between, do-it-yourself and fully managed. We explain in more detail what each of these mean below.

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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. 

Best DIY Stocks & Shares ISAs

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.

Top picks

Sponsored Our top pick

Trading 212 Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  £0
• Trading fee

  £0
• Minimum deposit

  £1
• Offer

  Free fractional share up to £100*

*New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC.

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Fractional shares Yes
• Interest on uninvested cash 4.05%
• Flexible ISA Yes
• Foreign exchange fee 0.15%
• Fund fees If you invest in ETFs, you'll have to pay fund fees depending on the funds you choose
• Offer details To get the offer, you need to open a Trading 212 Stocks and Shares ISA or Invest account and deposit at least £1 within 10 calendar days
• Important details Remember, the value of any money invested, which includes your free share, could go up or down
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 609146
• Risk warning Capital at risk. The value of investments can go down as well as up

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Our top pick

Lightyear Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  £0
• Trading fee

  £0
• Minimum deposit

  £0
• Offer

  Up to £100 welcome offer*

*Sign up with the code BECLEVER25 or click the button to get up to £100 in a US fractional share to your GIA. Capital at risk. Terms apply

• FSCS Protected? If Lightyear goes out of business and there is a shortfall in the funds they are holding for customers, they may be able to claim for losses up to the value of £85,000 through FSCS
• Transfer in existing ISA? Yes
• ETF trading fee £0
• UK shares trading fee £0
• US shares trading fee £0
• Fractional shares Available in General Investment Account only
• Flexible ISA Yes
• Interest on uninvested cash 1% on GBP for UK customers
• Offer details Sign up with the code BECLEVER25 or click the button to get up to £100 in a US fractional share to your GIA. Capital at risk. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. You must be a new user and deposit at least £100. The reward can be withdrawn 6 months after it’s credited.
• Foreign exchange fee 0.35%
• 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
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 987226
• Risk warning Capital at risk. The value of investments can go down as well as up
• EU shares trading fee £0

View Deal

Our top pick

InvestEngine Stocks & Shares ISA

Customer rating 4.8/5

• Annual fee

  £0
• Trading fee

  £0
• Minimum deposit

  £100

• Important details 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
• 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
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 801128
• Risk warning Capital at risk. The value of investments can go down as well as up

View Deal

Freetrade Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  £0
• Trading fee

  £0
• Minimum deposit

  £1

• FSCS Protected? Yes
• Interest on uninvested cash 1% on up to £1,000
• Fractional shares Yes
• Transfer in existing ISA? Yes
• Flexible ISA Yes
• Foreign exchange fee 0.99%
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 783189
• Risk warning Capital at risk. The value of your investments may go up or down

Other options

Sponsored

IG Stocks & Shares ISA

Customer rating 4.8/5

• Annual fee

  £8 per month custody fee**
• Trading fee

  £0
• Minimum deposit

  £0
• Offer

  5% cashback on investments*

*New customers can get 5% cashback on their investments **You can reduce the custody fee to £0 per month when you place more than 3 trades in the previous quarter.

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Interest on uninvested cash 4.5% on up to £100,000
• Fractional shares No
• Flexible ISA Yes
• Foreign exchange fee 0.70%
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
• Offer New customers can get 5% cashback on their investments, up to a maximum of £100
• Offer details To get it, open a new share dealing account between 21 November and 31 December 2025 and make your first trade worth at least £50 by 31 December 2025. You need to maintain an active portfolio with at least £50 in the account from January to March 2026. It's calculated as 5% of the daily average invested value during the promotional period, with the cashback credited by 30 April 2026
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 944492
• Risk warning Capital at risk. The value of investments can go down as well as up.

View Deal

XTB Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  £0
• Trading fee

  £0
• Minimum deposit

  £0

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Fractional shares Yes
• Interest on uninvested cash 4.50%
• Flexible ISA Yes
• Foreign exchange fee 0.50%
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 522157
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

Emma Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  £0
• Trading fee

  £0
• Minimum deposit

  £1

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Interest on uninvested cash No
• Flexible ISA No
• Fractional shares No
• Foreign exchange fee 0.99%
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 669450
• Risk warning Capital at risk. The value of investments can go down as well as up

AJ Bell Dodl Stocks & Shares ISA

Customer rating 4.8/5

• Annual fee

  0.15% (minimum £1 per month)
• Trading fee

  £0
• Minimum deposit

  £100 or £25 per month

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Other investment options You could also choose to invest in managed portfolios with Dodl
• Fractional shares No
• Interest on uninvested cash 4.06%
• 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
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 211468
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

Vanguard Stocks & Shares ISA

Customer rating 4.5/5

• Annual fee

  0.15% (minimum £4 per month)
• Trading fee

  up to 0.46%
• Minimum deposit

  £100 per month or £500

Sells its own funds only

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Interest on uninvested cash 2.35%
• Flexible ISA Yes
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 527839
• Risk warning Capital at risk. The value of your investments may go up or down

AJ Bell Stocks & Shares ISA

Customer rating 4.7/5

• Annual fee

  0.25%
• Trading fee

  £5.00
• Minimum deposit

  £25 per month or £500

• 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 0.04% and 1.16%
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 211468
• Risk warning Capital at risk. The value of your investments may go up or down

Charles Stanley Direct Stocks & Shares ISA

Customer rating 4/5

• Annual fee

  0.3% (min £5 per month)
• Trading fee

  £50 worth of free trades every 6 months
• Minimum deposit

  £0
• Offer

  Up to £1,500 cashback*

*You can get £300-£1,500 cashback when you transfer an ISA between £20,000 and £200,000

• Fees You get £50 worth of free trades every 6 months. Funds cost £4 per trade and shares cost £10 per trade
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose. There are no platform or trading fees when you invest in Charles Stanley Multi Asset Funds
• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Fractional shares No
• Interest on uninvested cash No
• Flexible ISA No
• Foreign exchange fee 1%
• Offer details The amount you'll get in cashback depends on how much you transfer. A transfer of £20,000 gets you £300 cashback
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 124412
• Risk warning Capital at risk. The value of investments can go down as well as up

eToro Stocks & Shares ISA

Customer rating 3.4/5

• Annual fee

  Custody fee of 0.35% per year (max £45)
• Shares trading fee

  £3.95 per trade
• Minimum deposit

  $50

• FSCS Protected? Yes
• Interest on uninvested cash 3% on balances up to $50,000, 3.8% on balances over this
• Fractional shares Yes
• Foreign exchange fee 0.7%
• Fund fees If you invest in funds, you'll have to pay fund fees, which cost on average ~0.16% per year, with additional market-spread effects up to 0.05%
• Trading fees You'll pay £3.95 per trade for shares, ETFs and mutual funds and £5.95 per trade for bonds
• Authorised and regulated by the Financial Conduct Authority Yes, FRN 583263
• Risk warning The value of your investments may go up or down. Your capital is at risk. ISA powered by Moneyfarm. ISA rules apply. UK residents only.

View Deal

Hargreaves Lansdown Stocks & Shares ISA

Customer rating 4.5/5

• Annual fee

  0.45%
• Trading fee

  £11.95
• Minimum deposit

  £1

• 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 depending on the funds you choose
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 115248
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

Plum Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  £2.99 per month + 0.45% annual fee
• Trading fee

  £0
• Minimum deposit

  £1

You need a Plum Pro account which costs £2.99 per month to start investing in funds.

• FSCS Protected? Yes - up to £85,000
• Transfer in existing ISA? Yes
• Interest on uninvested cash No
• Fractional shares Yes
• Flexible ISA No
• Foreign exchange fee 0.45%
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
• Investments available 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
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 900573
• Risk warning Capital at risk. The value of investments can go down as well as up

View Deal

Scottish Friendly My Choice ISA

Customer rating 3.3/5

• Annual fee

  1.50%
• Trading fee

  £0
• Minimum deposit

  £20 per month or £100 lump sum

Invest in funds only

• Investments available You can't invest in individual shares with this ISA, instead it offers ten funds.
• FSCS Protected? Yes
• Interest on uninvested cash No
• Transfer in existing ISA? Yes
• Flexible ISA No
• Fees Fees are tiered, so you’ll pay 1.5% on the first £5,000, 1% on amounts between £5,001 and £20,000, and 0.5% on any amount over £20,000. This is calculated daily and deducted on a monthly basis.
• Offer details Investments in the Unitised With-Profits Fund are subject to an annual fee of 1.50% which is reflected in the bonus rates declared. Over 2025, Scottish Friendly will apply a special offer, reducing your overall charge applied to Unitised With-Profits Funds in your ISA or Junior ISA by 0.25%. This means bonuses applied over 2025 will reflect a reduced annual fee of 1.25%
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 110002
• Risk warning Capital at risk. The value of your investments may go up or down.

interactive investor Stocks & Shares ISA

Customer rating 4.4/5

• Annual fee

  £4.99 per month
• Trading fee

  £3.99
• Minimum deposit

  £25 per month
• Offer

  £50 towards trading fees

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Interest on uninvested cash 1.51%
• Fractional shares No
• 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 1.5%
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 141282
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

CMC Invest Stocks & Shares ISA

Customer rating 4.5/5

• Annual fee

  £10 per month
• Trading fee

  £1
• Minimum deposit

  £1

• Fees 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
• Flexible ISA Yes
• Interest on uninvested cash 2%
• Fractional shares No
• Foreign exchange fee 0.99%
• Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 948126
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

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Best managed Stocks and Shares ISAs

Managed Stocks and Shares ISAs are where you choose from a range of ready-made portfolios made by investment experts. You’d usually choose one based on your appetite for risk and it’s already built from a range of stocks, funds, commodities and even bonds or gilts. The “robo” element that some providers offer refers to them using technology to decide when to buy and sell investments, or where technology is used to help find a portfolio to suit you.

There are a few different types of portfolios that you’ll come across – these include:

• Fully managed portfolios: these have real people managing them. They buy and sell the investments in the portfolio to make sure they perform well and reflect the risk profile.
• Fixed allocation portfolios: these have been created by experts but aren’t managed day-to-day. They get rebalanced routinely to ensure they still fit your chosen risk profile.
• Ethical or responsible portfolios: these invest in companies that are aiming to improve the world, such as by not investing in weapons or fossil fuels — you can get both fixed allocation and fully managed ethical portfolios. You can see more about what makes the funds ethical or responsible from your chosen provider.
• Thematic collections: these are collections of funds that fit specific themes, such as technology, British, woman-owned, energy or sports. You would choose a few of these that match your own values to build a portfolio with little effort. These aren’t quite the same as managed portfolios, but they still allow you to passively invest.

Top picks

Our top pick

AJ Bell Dodl Stocks & Shares ISA

Customer rating 4.8/5

• Annual fee

  0.15%
• Minimum deposit

  £100 or £25 per month
• Portfolios available

  6 risk-based portfolios and a responsible investments portfolio

• FSCS Protected? Yes
• Other investment options You can also invest in individual shares and themed investments
• Interest on uninvested cash 4.06%
• Transfer in existing ISA? Yes
• Flexible ISA No
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 211468
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

Other options

Chip Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  0.25%
• Minimum deposit

  £1
• Portfolios available

  3 risk-based portfolios and two index funds

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Flexible ISA Yes
• Interest on uninvested cash No
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 911255
• Risk warning Capital at risk. The value of your investments may go up or down.

Hargreaves Lansdown Stocks & Shares ISA

Customer rating 4.5/5

• Annual fee

  0.45%
• Minimum deposit

  £100 or £25 per month
• Portfolios available

  4 risk-based portfolios

• FSCS Protected? Yes
• Fees Fees are reduced the more you invest. You're charged 0.45% on up to £250,000, 0.25% on the next £750,000, and 0.1% on the next £1,000,000. For amounts over £2m there is no charge
• Interest on uninvested cash 2.53%
• Transfer in existing ISA? Yes
• Flexible ISA No
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 115248
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

Monzo Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  0.45%
• Minimum deposit

  £1
• Portfolios available

  3 risk-based portfolios

• FSCS Protected? Yes
• Interest on uninvested cash No
• Fund fees You'll also have to pay fund fees of 0.14%
• Transfer in existing ISA? Yes
• Flexible ISA Yes
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 730427
• Risk warning Capital at risk. The value of your investments may go up or down.

Beanstalk Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  0.5%
• Minimum deposit

  £10
• Portfolios available

  2 tracker funds

• FSCS Protected? Yes
• Fund fees You'll have to pay additional fund fees of up to 0.15%
• Interest on uninvested cash No
• Transfer in existing ISA? Yes
• Flexible ISA No
• Ready-made portfolios available 2 tracker funds to choose between: an L&G cash fund and a Fidelity Global Shares fund
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 473606
• Risk warning Capital at risk. The value of your investments may go up or down

View Deal

Sidekick Stocks & Shares ISA

• Annual fee

  0.50%
• Minimum deposit

  £3,000
• Portfolios available

  Two portfolios

• FSCS Protected? Yes
• Interest on uninvested cash No
• Transfer in existing ISA? No
• Flexible ISA No
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 984829
• Risk warning Capital at risk. The value of your investments may go up or down.

View Deal

Wealthify Stocks & Shares ISA

Customer rating 4.8/5

• Annual fee

  0.60%
• Minimum deposit

  £500
• Portfolios available

  10 portfolios based on risk and ethical options
• Offer

  £50-£1000 cashback

£50-1000 cashback. Minimum investment and terms apply. Registration ends 2 March 2026. Capital at risk

• Authorised and regulated by the Financial Conduct Authority Yes: FRN 662530
• FSCS Protected? Yes
• Flexible ISA Yes
• Important details Over 18s, UK residents and UK taxpayers only
• Interest on uninvested cash No
• Offer You could get cashback when you deposit and/or transfer more than £5,000 into a new or existing Stocks & Shares ISA. You'll get between £50 and £1,000 cashback depending on how much you deposit or transfer. You can find out more details on how much you'll get on the dedicated offer page.
• Offer details To get the cashback, you have to register for it by 23:59 on 2 March 2026 through the dedicated offer page. Then, you'll have 6 months to make your deposit and/or start your transfer(s). The money needs to stay deposited for 18 months. T&C’s apply. Tax treatments depend on your individual circumstances and may change in the future
• Risk warning Capital at risk. The value of your investments may go up or down
• Transfer in existing ISA? Yes

View Deal

Moneyfarm Stocks & Shares ISA

Customer rating 4.9/5

• Annual fee

  0.65%
• Minimum deposit

  £500
• Portfolios available

  A range of ethical managed portfolios, a low-risk portfolio and 4 thematic growth themes

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Interest on uninvested cash No
• Flexible ISA Yes
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 629539
• Risk warning Capital at risk. The value of your investments may go up or down.

View Deal

eToro Managed Stocks & Shares ISA

Customer rating 3.4/5

• Annual fee

  0.45% management fee and 0.25% platform fee
• Minimum deposit

  £500
• Portfolios available

  14

• FSCS Protected? Yes
• Other investment options You can also choose your own investments with eToro's DIY option
• Transfer in existing ISA? Yes
• Flexible ISA Yes
• Management fees Management fees are tiered, so you'll pay 0.45% up to £50,000, then 0.20% from £50,000 to £100,000, 0.10% from £100,000–£1.5m, and 0% above £1.5m. A platform fee of 0.25% also applies to all managed portfolios.
• Authorised and regulated by the Financial Conduct Authority Yes, FRN 583263
• Risk warning The value of your investments may go up or down. Your capital is at risk. ISA powered by Moneyfarm. ISA rules apply. UK residents only.

View Deal

JP Morgan Personal Investing Stocks & Shares ISA

Customer rating 4.8/5

• Annual fee

  0.75%
• Minimum deposit

  £500
• Portfolios available

  30 portfolios, including fully managed, fixed allocation and ethical

• FSCS Protected? Yes
• Interest on uninvested cash No
• Transfer in existing ISA? Yes
• Flexible ISA No
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 552016
• Risk warning Capital at risk. The value of your investments may go up or down.

Scottish Friendly My Easy Choice ISA

Customer rating 3.3/5

• Annual fee

  1.50%
• Minimum deposit

  £20 per month or £100 lump sum
• Portfolios available

  1 ethical portfolio and 10 risk based portfolios

• FSCS Protected? Yes
• Interest on uninvested cash No
• Transfer in existing ISA? Yes
• Flexible ISA No
• Fees Fees are tiered, so you’ll pay 1.5% on the first £5,000, 1% on amounts between £5,001 and £20,000, and 0.5% on any amount over £20,000. This is calculated daily and deducted on a monthly basis.
• Offer details Investments in the Unitised With-Profits Fund are subject to an annual fee of 1.50% which is reflected in the bonus rates declared. Over 2025, Scottish Friendly will apply a special offer, reducing your overall charge applied to Unitised With-Profits Funds in your ISA or Junior ISA by 0.25%. This means bonuses applied over 2025 will reflect a reduced annual fee of 1.25%
• Authorised and regulated by the Financial Conduct Authority Yes: FRN 110002
• Risk warning Capital at risk. The value of your investments may go up or down.