ºß¸Ë¡¿³ôs and ³ô Isa °Üž and cashback ¼è°ú¡¤¶¨Äês you can still get

  • Fidelity is running a cashback ¼è°ú¡¤¶¨Äê of up to ¡ò2,000 for Åê»ñ²Ès who °Üž
  • Freetrade is also running a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¿½¤·¹þ¤à¡¿¿½¤·½Ð ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò2,100?
  • These ¿½¤·¹þ¤à¡¿¿½¤·½Ðs end on 5 April, so Åê»ñ²Ès have just days to get the ¼è°ú¡¤¶¨Äês

À½ÉÊs featured in this article are ÆÈΩ¤·¤Æ selected by This is Money's specialist ¿·Ê¹µ­¼Ô¡¿»¨»ïµ­¼Ôs. If you open an account using links which have an asterisk, This is Money will earn an (v)Äó·È¤µ¤»¤ë(n)»ÙÉô¡¤²ÃÆþ¼Ô ¡ÊÇäÇã¡Ë¼ê¿ôÎÁ¡¤°ÑÂ÷¡Ê¤¹¤ë¡Ë¡¿°Ñ°÷²ñ¡¿¸¢¸Â. We do not µö¤¹ this to ±Æ¶Á¤¹¤ë¡¿´¶¾ð our ÊÔ½¸¡Ê¼Ô¡Ë¤Î independence

Åê»ñ²Ès could get a ¾å¤²¤ë of up to ¡ò2,000 for transferring a big Isa ¥Þ¥ê¥Õ¥¡¥Ê before the end of the ÀǶâ year, while others can Áª¤Ö up ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô for ³«»Ï accounts.

Fidelity is running an Isa °Üž cashback ¤ò¼è¤ê°ú¤­¤¹¤ë between ¡ò200 and ¡ò2,000 for Åê»ñ²Ès who °Üž an Isa, ǯ¶â or Åê»ñ account to its ÃÅ¡¦¹ËÎΡ¦¸øÌó before 1 April 2024.

Ëǰסʤ¹¤ë¡Ëing 212 has a special ¿½¤·¹þ¤à¡¿¿½¤·½Ð for This is Money readers?who can get a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¤ï¤º¤«¤Î ³ô ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò100 after Ä´°õ up and depositing as little as ¡ò1.

°ìÊý¡¿¹ç´Ö, Freetrade is also running a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¿½¤·¹þ¤à¡¿¿½¤·½Ð for Åê»ñ²Ès who °Üž an Isa or Sipp to the ÃÅ¡¦¹ËÎΡ¦¸øÌó. Åê»ñ²Ès could get up to ¡ò2,100 with the ¼è°ú¡¤¶¨Äê.?

¶¥ÁèÁê¼ê µðÂç¡Ê¤Ê¡Ës Hargreaves Lansdown and Interactive Åê»ñ²È both ran bumper cashback ¼è°ú¡¤¶¨Äês earlier this year, ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò5,000, but these have now ended.?

Transfer boost: Investors could give their Isas a boost of up to ¡ò2,100 for transferring to providers Freetrade or Fidelity

°Üž ¾å¤²¤ë: Åê»ñ²Ès could give their Isas a ¾å¤²¤ë of up to ¡ò2,100 for transferring to providers Freetrade or Fidelity

?How much cashback can you get with Fidelity's ¼è°ú¡¤¶¨Äê

Fidelity is ¿½¤·¹þ¤à¡¿¿½¤·½Ðing a cashback ¼è°ú¡¤¶¨Äê to Åê»ñ²Ès that's best for those moving big ¥Þ¥ê¥Õ¥¡¥Ês but it ends soon. Its Isa has a 0.35 per cent ǯ¼¡¤Î ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â, with ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ´ð¶â ¼è°ú¡¤¶¨Äêing and ³ô ¼è°ú¡¤¶¨Äêing at ¡ò7.50.

Åê»ñ²Ès transferring an Isa ²ÁÃ͡ʤ¬¤¢¤ë¡Ë between ¡ò25,000 to ¡ò49,999 could receive ¡ò200 in cashback, while those transferring Isas ²ÁÃ͡ʤ¬¤¢¤ë¡Ë ¡ò50,000 to ¡ò99,999 will receive ¡ò500. Åê»ñ²Ès transferring ¡ò100,000 to ¡ò249,999 will receive ¡ò1,000 in cashback.

If you °Üž an Isa ²ÁÃ͡ʤ¬¤¢¤ë¡Ë ¡ò250,000 to ¡ò749,999 you will receive ¡ò1,250 in cashback and those transferring ¡ò750,000 to ¡ò999,999 will receive ¡ò1,500 in cashback.?

°Üžs of ¡ò1million and over will receive the ºÇÂç¸Â cashback of ¡ò2,000.

The cash will be paid ľÀÜ¡¿¤Þ¤Ã¤¹¤°¤Ë into your Fidelity cash ´ÉÍý¡¿·Ð±Ä account within 90 days of the ¿½¤·¹þ¤à¡¿¿½¤·½Ð ending on 1 April 2024.

If your Isa °Üž hasn¡Çt been ´°Á´¤Ë¤¹¤ëd by then, Fidelity will »Ùʧ¤¦¡¿Ä¶â the cashb ack within 90 days after the ´°À® of your last Ŭ³Ê¤Î °Üž.?

Fidelity cashback ¼è°ú¡¤¶¨Äê?
°Üž value Cashback ÎÌ
¡ò25,000 - ¡ò49,999 ¡ò200
¡ò50,000 - ¡ò99,999?¡ò500?
¡ò100,000 - ¡ò249,999?¡ò1,000?
¡ò250,000 - ¡ò749,999?¡ò1,250?
¡ò750,000 - ¡ò999,999?¡ò1,500?
¡ò1million+?¡ò2,000?

Ëǰסʤ¹¤ë¡Ëing 212's ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¤ï¤º¤«¤Î ³ô and 1% cashback

Ëǰסʤ¹¤ë¡Ëing 212 ¿½¤·¹þ¤à¡¿¿½¤·½Ðs Åê»ñ²Ès a ºß¸Ë¡¿³ôs and ³ô Isa with no account »ý¤Ä¡¿¹´Î±¤¹¤ëing ÎÁ¶â and no ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â to buy or sell ºß¸Ë¡¿³ôs.

Ëǰסʤ¹¤ë¡Ëing 212¡Çs special Isa ¿½¤·¹þ¤à¡¿¿½¤·½Ð gives Åê»ñ²Ès 1 per cent cash »Ù±ç¤¹¤ë on all their deposits for the next ÀǶâ year. This is ²ÁÃ͡ʤ¬¤¢¤ë¡Ë a ºÇÂç¸Â ¡ò200 on a ½½Ê¬¤Ê ¡ò20,000 Isa allowance.

This is Money readers who open an Isa can also Íø±× from a special TiM ÇÓ½üŪ Ëǰסʤ¹¤ë¡Ëing 212 ¼è°ú¡¤¶¨Äê where they will receive a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¤ï¤º¤«¤Î ³ô ²ÁÃ͡ʤ¬¤¢¤ë¡Ë up to ¡ò100.

The Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó »Ùʧ¤¦¡¿Ä¶âs ¸ÜµÒs 5.2 per cent Íø±×¡¿¶½Ì£ on uninvested cash.?

Want a cash Isa instead? Here are the ºÇ¹â¤Î¡¤¤ò±Û¤¹ ¼è°ú¡¤¶¨Äês?

Those who prefer to save into a cash Isa aren't ¿½¤·¹þ¤à¡¿¿½¤·½Ðd the same blockbuster ¼è°ú¡¤¶¨Äês to °Üž as Åê»ñ²Ès but they can get ¥¤¥ó¥Õ¥ì¡¼¥·¥ç¥ó-¡Ê·Ù´±¤Î¡Ë½ä²ó¶è°è¡¤¼õ»ý¤Á¶è°èing Ψs.

Some Ãù¶â ÃÅ¡¦¹ËÎΡ¦¸øÌós do ¿½¤·¹þ¤à¡¿¿½¤·½Ð Ä´°õ¤¹¤ë-up ÆÃÊ̼êÅös though, which can ¸ú²ÌŪ¤Ë ¾å¤²¤ë Ψs to ¡Ê·Ù´±¤Î¡Ë½ä²ó¶è°è¡¤¼õ»ý¤Á¶è°è best buys, such as Hargreaves Lansdown Active Ãù¶â ¡ò25 cashback ¿½¤·¹þ¤à¡¿¿½¤·½Ð.?

The ºÇ¹â¤Î¡¤¤ò±Û¤¹ Ê¿°×¤Ê Àܶá and ľ¤¹¡¿Çã¼ý¤¹¤ë¡¤È¬É´Ä¹¤ò¤¹¤ëd Ψ cash Isas are »Ùʧ¤¦¡¿Ä¶âing more than 5 per cent, while ¥¤¥ó¥Õ¥ì¡¼¥·¥ç¥ó dipped at the last reading to 3.4 per cent.

With Ê¿°×¤Ê ÀÜ¶á ¼è°ú¡¤¶¨Äês This is Money recommends that savers get a ½ÀÆð¤Ê Isa, which µö¤¹s them to ²¼Í¤ë into their ¥Þ¥ê¥Õ¥¡¥Ê and then put the money »Ù±ç¤¹¤ë within the same ÀǶâ year.?

With Ãù¶â ÀǶâ more of a ¶¼¤· ͽÄê to the frozen personal Ãù¶â allowance, this has become a very handy feature.?

Simon Lambert explains why a ½ÀÆð¤Ê Isa that ¼õÂ÷¤¹¤ës °Üžs can be a ÀǶâ-¡Ê·Ù´±¤Î¡Ë½ä²ó¶è°è¡¤¼õ»ý¤Á¶è°èing ɬ¿Ü¤Î.?The ºÇ¹â¤Î¡¤¤ò±Û¤¹ ¼è°ú¡¤¶¨Äê ¿½¤·¹þ¤à¡¿¿½¤·½Ðing this is Zopa's 5.08 per cent »Ùʧ¤¦¡¿Ä¶âing cash Isa.

Our Ãù¶â ÀìÌç²È Sylvia Morris ÌÀ¤é¤«¤Ë¤¹¤ë¡¿Ï³¤é¤¹s the cash Isas she recommends this year here.

While our best cash Isa Ψs ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ës ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ë all the ºÇ¹â¤Î¡¤¤ò±Û¤¹ ¼è°ú¡¤¶¨Äês and our Five of the best cash Isas °ìÏ¢¤Î²ñµÄ¡¢¸ò¾Ä¡¿´°À®¤¹¤ë-up?features our Áª¤Ö of the ºÇ¹â¤Î¡¤¤ò±Û¤¹ accounts.?

Savers can also consider a Ãù¶â ÃÅ¡¦¹ËÎΡ¦¸øÌó?

Freetrade's ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¼è°ú¡¤¶¨Äê

Åê»ñ²Ès can earn up to ¡ò2,100 in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô from Åê»ñ app Freetrade* for transferring an Isa or Sipp to the ÃÅ¡¦¹ËÎΡ¦¸øÌó before 5 April.?

The ÎÌ they will get in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô depends on the ÎÌ they °Üž into a Freetrade Isa or Sipp.

The value starts at ¡ò100 in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô for a ¡ò10,000 °Üž, and goes up to ¡ò2,100 in ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô for a °Üž of ¡ò500,000 or more.

Åê»ñ²Ès need to deposit at least ¡ò10,000 into a Freetrade Isa or Sipp to get the ¿½¤·¹þ¤à¡¿¿½¤·½Ð.

The way it ºîÉÊ is that Freetrade will give Åê»ñ²Ès a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô, or ³ô, ²ÁÃ͡ʤ¬¤¢¤ë¡Ë the value of the award. These are »Ï¤á¤ë¡¤·è¤á¤ë out in the ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ë below.

Freetrade ³ô ¿½¤·¹þ¤à¡¿¿½¤·½Ð?
´ð¶âing ÎÌ ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô value
¡ò10,000-¡ò19,999 ¡ò100
¡ò20,000-¡ò39,999?¡ò200?
¡ò40,000-¡ò79,999?¡ò400?
¡ò80,000-¡ò159,999?¡ò800?
¡ò160,000-¡ò249,999?¡ò1,200?
¡ò250,000-¡ò499,999?¡ò1,800?
¡ò500,000+?¡ò2,100?

The ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô will be put in a ¸ÜµÒ's general Åê»ñ account rather than Isa or Sipp, as there are À©¸Âs around crediting money or ³ô to ÀǶâ wrappers.

¸ÜµÒs can sell the ³ô ¤¹¤°¤Ë and move the cash into their I sa or Sipp if they choose to.

New ¸ÜµÒs will need to download Freetrade's app and open either an Isa or Sipp account with an ǯ¼¡¤Î ´ð½à or ²Ã¤¨¤ë subscription before they can get the ¿½¤·¹þ¤à¡¿¿½¤·½Ð.?

Åê»ñ²Ès then need to ºÇ¹â¤Î¡¤¤ò±Û¤¹ up their account or start a °Üž for at least ¡ò10,000 into their Freetrade Isa or or Sipp on or before 5 April 2024.

If you make űÂàs or °Üžs out that ¸¶°ø¡Ê¤È¤Ê¤ë¡Ë the value of your Isa or Sipp °Üž to Íî¤Á¤ë before Freetrade awards the ³ô, the value of your ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô will be ±Æ¶Á¤¹¤ë¡¿´¶¾ðd. If it Íî¤Á¤ës below ¡ò10,000, you will not receive a ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô.

The ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô will land into your general Åê»ñ account within 90 days.

Is it ²ÁÃ͡ʤ¬¤¢¤ë¡Ë transferring for a cashback ¼è°ú¡¤¶¨Äê?

As with any big ·èÄ꡿ȽÄ꾡¤Á¡Ê¤¹¤ë¡Ë like transferring an Isa or ǯ¶â, it is ·èÄêŪ¤Ê to do your ͽÄê diligence.

Keep ½Ð¸ý ÎÁ¶âs in mind. Your ¸½ºß¤Î ǯ¶â provider may ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â you ½Ð¸ý ÎÁ¶âs if you look to leave or °Üž your ¸½ºß¤Î ǯ¶â. Fidelity will cover up to ¡ò500 if your ¸½ºß¤Î provider ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ½Ð¸ý ÎÁ¶âs.?

Fidelity does not ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â a °Üž ÎÁ¶â if you decide to °Üž to another provider after transferring to Fidelity, neither does Freetrade.?

There is a caveat with Fidelity's ¼è°ú¡¤¶¨Äê. If you don¡Çt keep your Åê»ñs in a Fidelity Isa for 18 months after you °Üž them and jump ship to another provider, any cashback paid may be ¼è¤ê¾Ã¤¹d.?

Spread your Isa across banks ahead of new »ÙÇÛ¤¹¤ës at Active Ãù¶â?

Savers will now be able to ʬÎö¡Ê¤¹¤ë¡Ë their Isa allowance between different types of cash Isa and different providers.?

From today, Hargreaves Lansdown's cash ÃÅ¡¦¹ËÎΡ¦¸øÌó Active Ãù¶â will µö¤¹ savers to spread their Isa allowance across ¿½Å¤Î banks, and Ê¿°×¤Ê-Àܶá, ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê Àܶá and ľ¤¹¡¿Çã¼ý¤¹¤ë¡¤È¬É´Ä¹¤ò¤¹¤ëd Ψs.

> Read more:?Hargreaves Lansdown's Ãù¶â ÃÅ¡¦¹ËÎΡ¦¸øÌó's new Isa perk

Do also think about ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs when it comes to your Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó.?

Fidelity ³ô ¼è°ú¡¤¶¨Äêing has a flat ¡ò7.50 ÎÁ¶â and this ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â also ŬÍѤ¹¤ës to Åê»ñ ¿®ÍÑs and ETFs. There are no ´ð¶â ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs for buying and selling.

»ý¤Ä¡¿¹´Î±¤¹¤ëing Åê»ñ ´ð¶âs comes with a 0.35 per cent ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â up to ¡ò250,000 and 0.20 per cent above that, Íî¤Á¤ëing to 0 per cent above ¡ò1million.

However, if you are Åê»ñ¤¹¤ëing small ÎÌs the ÈóÆñ¤¹¤ë structure is ¤ï¤º¤«¤Ë different.

Fidelity ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ¡ò7.50 per month (¡ò90 a year) for Âç¿Ã¤ÎÃÏ°Ìs up to ¡ò25,000, or the 0.35 per cent Ψ ŬÍѤ¹¤ës if you have a Àµµ¬¤Î¡¿ÀµÁª¼ê Ãù¶â ·×²è¡¿±¢ËÅ »Ï¤á¤ë¡¤·è¤á¤ë up.

Freetrade has ÎÁ¶â-²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô ¼è°ú¡¤¶¨Äêing and ¿½¤·¹þ¤à¡¿¿½¤·½Ðs a wide ÈÏ°Ï of UK and US ³ô. It has some ETFs and some Åê»ñ ¿®ÍÑs, but nowhere ¶á¤Å¤¯ the ÈÏ°Ï of the bigger ÃÅ¡¦¹ËÎΡ¦¸øÌós.

Freetrade's Basic ·×²è¡Ê¤¹¤ë¡Ë for a general Åê»ñ account has no ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs, while its ´ð½à ·×²è¡Ê¤¹¤ë¡Ë for those who want an Isa and ½½Ê¬¤Ê ÈÏ°Ï of ºß¸Ë¡¿³ôs has a ¡ò4.99 per month ÎÁ¶â and its ²Ã¤¨¤ë account is ¡ò9.99 per month, which Åê»ñ²Ès need if they want a Sipp.

Some ºß¸Ë¡¿³ôs, ´Þ¤àing many smaller companies, are only ÍøÍѤǤ­¤ë on Freetrade ´ð½à and above ·×²è¡Ê¤¹¤ë¡Ës.

The ´ð½à ·×²è¡Ê¤¹¤ë¡Ë gets ¸ÜµÒs 1 per cent Íø±×¡¿¶½Ì£ on up to ¡ò2,000 of cash while the ²Ã¤¨¤ë ·×²è¡Ê¤¹¤ë¡Ë gets them up to 5 per cent Íø±×¡¿¶½Ì£ on up to ¡ò4,000. A foreign ÄÌ²ß ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â of 0.45 per cent ŬÍѤ¹¤ës for overseas ºß¸Ë¡¿³ôs.

ǯ¼¡¤Î ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs are capped at ¡ò45 for »ý¤Ä¡¿¹´Î±¤¹¤ëing ³ô, ¿®ÍÑs and ETFs.

Ëǰסʤ¹¤ë¡Ëing 212 has no account ÎÁ¶âs and no ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs to buy and sell but while deposits ·Ðͳ¤Ç bank °Üž are ²òÊü¤¹¤ë¡¿¼«Í³¤Ê, those ·Ðͳ¤Ç cards, Google »Ùʧ¤¦¡¿Ä¶â, Apple »Ùʧ¤¦¡¿Ä¶â & other Îà»÷¤Î methods carry a 0.7 per cent ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â abov e ¡ò2,000.

ÂѤ¨¤ë in mind that it could ¡ÊÌäÂê¤ò¡Ë¼è¤ê¾å¤²¤ë to two months for the Isa °Üž from your ¸½ºß¤Î provider to ´°Á´¤Ë¤¹¤ë.?

Once the °Üž has begun, you won't be able to switch, ºÇ¹â¤Î¡¤¤ò±Û¤¹ up, or sell the Åê»ñs you¡Çre moving until the ²áÄø is ´°Á´¤Ë¤¹¤ë.

Compare the best DIY Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌós and ºß¸Ë¡¿³ôs & ³ô Isas

Åê»ñ¤¹¤ëing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that ¹µÁÊs you.

When it comes to choosing a DIY Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌó, ºß¸Ë¡¿³ôs & ³ô Isa or a general Åê»ñ¤¹¤ëing account, the ÈÏ°Ï of ÁªÂòs might seem °µÅÝŪ¤Ê.?

Every provider has a ¤ï¤º¤«¤Ë different ¿½¤·¹þ¤à¡¿¿½¤·½Ðing, ÈóÆñ¤¹¤ë more or ¤¤¤Ã¤½¤¦¾¯¤Ê¤¯ for Ëǰסʤ¹¤ë¡Ëing or »ý¤Ä¡¿¹´Î±¤¹¤ëing ³ô and giving ac cess to a different ÈÏ°Ï of ºß¸Ë¡¿³ôs, ´ð¶âs and Åê»ñ ¿®ÍÑs.?

When ½Å¤µ¤ò·×¤ëing up the ¸¢Íø one for you, it's important to to look at the service that it ¿½¤·¹þ¤à¡¿¿½¤·½Ðs, along with ¹ÔÀ¯ ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs and ¼è°ú¡¤¶¨Äêing ÎÁ¶âs, ²Ã¤¨¤ë any other extra costs.

To help you compare the best Åê»ñ accounts, we've crunched the facts and pulled together a Êñ³çŪ¤Ê guide to choosing the best and cheapest Åê»ñ¤¹¤ëing account for you.?

We ºÇ¹âĬ¤Î¾ìÌÌ the main players in the ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ë below but would advise doing your own ¸¦µæ and considering the points in our ½½Ê¬¤Ê guide linked here.

>> This is Money's ½½Ê¬¤Ê guide to the best Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌós and Isas?

ÃÅ¡¦¹ËÎΡ¦¸øÌós featured below are ÆÈΩ¤·¤Æ selected by This is Money¡Çs specialist ¿·Ê¹µ­¼Ô¡¿»¨»ïµ­¼Ôs. If you open an account using links which have an asterisk, This is Money will earn an (v)Äó·È¤µ¤»¤ë(n)»ÙÉô¡¤²ÃÆþ¼Ô ¡ÊÇäÇã¡Ë¼ê¿ôÎÁ¡¤°ÑÂ÷¡Ê¤¹¤ë¡Ë¡¿°Ñ°÷²ñ¡¿¸¢¸Â. We do not µö¤¹ this to ±Æ¶Á¤¹¤ë¡¿´¶¾ð our ÊÔ½¸¡Ê¼Ô¡Ë¤Î independence.?

DIY INVESTING PLATFORMS AND STOCKS & SHARES ISAS?
Admin ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ¸ø¼°Ê¸½ñ¡¤Ç§¤á¤ës ´ð¶â ¼è°ú¡¤¶¨Äêing ´ð½à ³ô, ¿®ÍÑ, ETF ¼è°ú¡¤¶¨Äêing Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ¤¹¤ëing ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö reinvestment
AJ Bell*? 0.25%? Max ¡ ò3.50 per month for ³ô, ¿®ÍÑs, ETFs.? ¡ò1.50 ¡ò5? ¡ò1.50 ¡ò1.50 per ¼è°ú¡¤¶¨Äê? More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës
Bestinvest* 0.40% (0.2% for ready made Âç¿Ã¤ÎÃÏ°Ìs) Account ÎÁ¶â ºï¸º¡Ê¤¹¤ë¡Ë to 0.2% for ready made Åê»ñs ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¡ò4.95 ²òÊü¤¹¤ë¡¿¼«Í³¤Ê for ´ð¶âs? ²òÊü¤¹¤ë¡¿¼«Í³¤Ê for income ´ð¶âs More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës
Charles Stanley Direct* 0.35%? No ÃÅ¡¦¹ËÎΡ¦¸øÌó ÎÁ¶â on ³ô if a Ëǰסʤ¹¤ë¡Ë in that month and ǯ¼¡¤Î max of ¡ò240 ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¡ò11.50 n/a n/a More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës
Fidelity* 0.35% on ´ð¶âs ¡ò7.50 per month up to ¡ò25,000 or 0.35% with Àµµ¬¤Î¡¿ÀµÁª¼ê Ãù¶â ·×²è¡Ê¤¹¤ë¡Ë.? ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¡ò7.50 ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ´ð¶âs ¡ò1.50 ³ô, ¿®ÍÑs ETFs ¡ò1.50 More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës
Hargreaves Lansdown* 0.45% Capped at ¡ò45 for ³ô, ¿®ÍÑs, ETFs ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¡ò11.95 ¡ò1.50 1% (¡ò1 min, ¡ò10 max) More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës
Interactive Åê»ñ²È*? ¡ò4.99 per month under ¡ò50k, ¡ò11.99 above, ¡ò10 extra for Sipp ¼«Í³ËÇ°× ²ÁÃ͡ʤ¬¤¢¤ë¡Ë ¡ò3.99 per month (does not ŬÍѤ¹¤ë to ¡ò4.99 ·×²è¡Ê¤¹¤ë¡Ë) ¡ò3.99 ¡ò3.99 ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ¡ò0.99 More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës
iWeb ¡ò100 one-off ÎÁ¶â (waived until July 2024) ¡ò5 ¡ò5 n/a 2%, max ¡ò5 More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës
?Accounts that have some ¸Â³¦s but attractive ¿½¤·¹þ¤à¡¿¿½¤·½Ðs??
Etoro*??No Åê»ñ ´ð¶âs or Sipp²òÊü¤¹¤ë¡¿¼«Í³¤Ê Åê»ñ account ¿½¤·¹þ¤à¡¿¿½¤·½Ðs ºß¸Ë¡¿³ôs and ETFs. Beware high ´í¸± CFDs.Not ÍøÍѤǤ­¤ë?²òÊü¤¹¤ë¡¿¼«Í³¤Ê?n/a?n/a?More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës?
Ëǰסʤ¹¤ë¡Ëing 212*?²òÊü¤¹¤ë¡¿¼«Í³¤Ê?Åê»ñ account ¿½¤·¹þ¤à¡¿¿½¤·½Ðs ºß¸Ë¡¿³ôs and ETFs. Beware high ´í¸± CFDs.?Not ÍøÍѤǤ­¤ë?²òÊü¤¹¤ë¡¿¼«Í³¤Ê?n/a?²òÊü¤¹¤ë¡¿¼«Í³¤Ê?More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës?
Freetrade* No Åê»ñ ´ð¶âs?Basic account ²òÊü¤¹¤ë¡¿¼«Í³¤Ê,? ´ð½à with Isa ¡ò4.99, ²Ã¤¨¤ë ¡ò9.99Freetrade ²Ã¤¨¤ë with more Åê»ñs and Sipp is ¡ò9.99/month inc. Isa ÎÁ¶âNo ´ð¶âs?²òÊü¤¹¤ë¡¿¼«Í³¤Ê?n/a?n/a?More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës?
ÀèƳ??Only ÀèƳ's own À½ÉÊs0.15%?Only ÀèƳ ´ð¶âs²òÊü¤¹¤ë¡¿¼«Í³¤Ê?²òÊü¤¹¤ë¡¿¼«Í³¤Ê only ÀèƳ ETFs?²òÊü¤¹¤ë¡¿¼«Í³¤Ê?n/a?More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës?
(Source: ThisisMoney.co.uk May 2024. Admin % ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â may be ħ¼ý¤¹¤ëd ·îËè¤Î or ǯ£´²ó¤Î

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