Interactive Investor

4.0

#5 of 18 Junior Stocks & Shares ISAs #6 of 30 SIPPs #11 of 47 Stocks & Shares ISAs

Website Fees Review OffersOffers

Overview

Interactive Investor is a UK-based investment platform and stockbroker offering share trading, funds, ISAs, SIPPs and other investment products. Known for its flat-fee pricing structure, the platform provides access to global markets, research tools and educational resources. As one of Britain’s largest retail investment platforms, it serves both novice and experienced investors through its web platform and mobile app.

Join Interactive Investor _{Affiliate link. Capital at risk when investing. Terms apply}

Fi Score This is a subjective score awarded by Financial Interest based on the account or platform's offering.

Stocks & Shares ISA

3.9

SIPP

4.1

Junior Stocks & Shares ISA

3.9

Junior SIPPThis broker does not offer Junior SIPP or we have not added it to our dataset yet.

N/A

Lifetime Stocks & Shares ISAThis broker does not offer Lifetime Stocks & Shares ISA or we have not added it to our dataset yet.

N/A

Lifetime Cash ISAThis broker does not offer Lifetime Cash ISA or we have not added it to our dataset yet.

N/A

Cash ISAThis broker does not offer Cash ISA or we have not added it to our dataset yet.

N/A

Interactive Investor Offers

£100 of free trades with Interactive Investor

Get £100 worth of free trades when you open an ISA or GIA. Terms apply. Affiliate link.

Expiry date: 01/06/2026

Get offer now _{Capital at risk when investing}

Get £200 cashback with ii’s SIPP

Get £200 cashback when you open a SIPP. Terms apply. Affiliate link.

Expiry date: 01/06/2031

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Interactive Investor Fees & Review

Stocks & Shares ISA
SIPP
Junior Stocks & Shares ISA

Stocks & Shares ISA

Fi Score rankingWhere this ISA ranks compared to other ISAs based on Fi Score T11

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £71.88

ISA fee notes ^{To use the Stocks and Shares ISA with the ii Core plan, it costs £5.99/month and your total portfolio must be below £100k. With Core, there's a £3.99 commission to invest in UK shares, US stocks, or funds. Other international investments cost £9.99. You can avoid the commissions by setting up a regular monthly investment of at least £25/month. Once you go over the £100k balance (or if you want access to extra features), upgrading to the Plus plan costs £14.99/month. Plus comes with 5 free family accounts, 1 free monthly trade, lower fund commissions (£1.49) and cheaper international trades (£7.99). Finally, there's a Premium plan which gives you everything from Core and Plus, but also offers free fund trading, unlimited family accounts, 2 free monthly trades, £2.99 commission for UK/US shares and £5.99 for other international stocks, and a lower 0.25% FX fee.}

Minimum account chargeThe minimum amount you need to pay for this Stocks & Shares ISA, excluding account fee reductions or discounts. £71.88

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). 0.75%

In-specie transfersDoes the broker support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. £71.88

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £479.88 per year

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA, excluding trading volume discounts. £3.99

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. £0

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. £71.88

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £479.88

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA, excluding trading volume discounts. £3.99

Fund regular investing feeThe amount you'll pay to invest in mutual funds when using an ongoing regular investment. £0

^Shares

Share trading feeThe amount you'll pay to invest in company shares, excluding trading volume discounts. £3.99

This page may contain errors. We try our best to maintain accuracy but offer no guarantees. Please reach out if you see something that needs correcting.

The Interactive Investor Stocks & Shares ISA allows investors to choose their own investments in individual shares, ETFs, mutual funds, commodities, and money market funds. You're also able to select pre-built portfolios or opt for a professionally-managed option.

The account doesn't offer fractional shares – you must buy whole shares of investments, making the market a little less accessible.

This isn’t a flexible ISA, meaning you can’t withdraw and redeposit in the same tax year without negatively affecting your annual ISA limit. If you deposited £10,000, withdrew and then redeposited, your entire £20,000 ISA allowance would be used up.

Uninvested cash held within the account can earn 1.11% - 2.12% (AER) interest, though should not be used as an alternative to a bank because it is an investment product.

In-specie transfers are supported, meaning you can transfer your portfolio from another investment platform – or to another platform – as long as the same assets are available on both.

Interactive Investor ranks 35th by Fi Fee for small investors (£10,000 portfolios), but fare much better at 25th for large portfolios (balances of £500,000). To invest, you’ll need a minimum lump sum deposit of £1 or an ongoing monthly investment of at least £25. They charge 0.75% as an FX fee for investments in foreign currencies.

To use the Stocks and Shares ISA with the ii Core plan, it costs £5.99/month and your total portfolio must be below £100k. With Core, there's a £3.99 commission to invest in UK shares, US stocks, or funds. Other international investments cost £9.99. You can avoid the commissions by setting up a regular monthly investment of at least £25/month. Once you go over the £100k balance (or if you want access to extra features), upgrading to the Plus plan costs £14.99/month. Plus comes with 5 free family accounts, 1 free monthly trade, lower fund commissions (£1.49) and cheaper international trades (£7.99). Finally, there's a Premium plan which gives you everything from Core and Plus, but also offers free fund trading, unlimited family accounts, 2 free monthly trades, £2.99 commission for UK/US shares and £5.99 for other international stocks, and a lower 0.25% FX fee.

SIPP

Fi Score rankingWhere this SIPP ranks compared to other personal pensions based on Fi Score 6

SIPP fee notes ^{To use the SIPP with the ii Core plan, it costs £5.99/month and your total portfolio must be below £100k. With Core, there's a £3.99 commission to invest in UK shares, US stocks, or funds. Other international investments cost £9.99. You can avoid the commissions by setting up a regular monthly investment of at least £25/month. Once you go over the £100k balance (or if you want access to extra features), upgrading to the Plus plan costs £14.99/month. Plus comes with 5 free family accounts, 1 free monthly trade, lower fund commissions (£1.49) and cheaper international trades (£7.99). Finally, there's a Premium plan which gives you everything from Core and Plus, but also offers free fund trading, unlimited family accounts, 2 free monthly trades, £2.99 commission for UK/US shares and £5.99 for other international stocks, and a lower 0.25% FX fee.}

Minimum account chargeThe minimum amount you need to pay for this SIPP, excluding account fee reductions or discounts. £71.88

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). 0.75%

In-specie transfersDoes this SIPP support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. £71.88

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £479.88

ETF trading feeThe amount you'll pay to invest in an ETF in this SIPP, excluding trading volume discounts. £3.99

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. £0

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. £71.88

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £479.88

Fund trading feeThe amount you'll pay to invest in a mutual fund in this SIPP, excluding trading volume discounts. £3.99

^Shares

Share trading feeThe amount you'll pay to invest in company shares in this SIPP, excluding trading volume discounts. £3.99

^{SIPP features}

Employer contributionsDoes this SIPP allow contributions from your employer? Yes

Director depositsDoes this SIPP allow company directors to deposit company funds? Yes

DrawdownDoes this SIPP support drawdown? Yes

Interactive Investor's SIPP provides access to invest with your own investment decisions, pre-built portfolios, and professionally-managed portfolios. You can invest into company shares, ETFs (exchange-traded funds), mutual funds, commodities, and money market funds (MMFs).

Investors can transfer their investments in-specie, meaning their portfolio can be moved to or from another platform without being converted to cash first.

Fractional shares aren't supported, meaning you can only buy whole units of each investment. This can lead to leftover cash being sat in the account when making ongoing investments.

When it comes to a pension offering, this SIPP covers most of the major features the average person is looking for: drawdown is supported (you can start withdrawing your pension in retirement), limited company directors can deposit via their business (tax effectively), and employers can deposit into their employee’s SIPPs too.

Interactive Investor's SIPP ranks 22nd by Fi Fee for small investors, but fares much better at 9th for bigger investors. They charge 0.75% as an FX fee for investments in foreign currencies.

To use the SIPP with the ii Core plan, it costs £5.99/month and your total portfolio must be below £100k. With Core, there's a £3.99 commission to invest in UK shares, US stocks, or funds. Other international investments cost £9.99. You can avoid the commissions by setting up a regular monthly investment of at least £25/month. Once you go over the £100k balance (or if you want access to extra features), upgrading to the Plus plan costs £14.99/month. Plus comes with 5 free family accounts, 1 free monthly trade, lower fund commissions (£1.49) and cheaper international trades (£7.99). Finally, there's a Premium plan which gives you everything from Core and Plus, but also offers free fund trading, unlimited family accounts, 2 free monthly trades, £2.99 commission for UK/US shares and £5.99 for other international stocks, and a lower 0.25% FX fee.

Junior Stocks & Shares ISA

Fi Score rankingWhere does this account rank compared to other Junior Stocks & Shares ISAs on Financial Interest? 5

Junior ISA fee notes ^{interactive investor (ii) only offers a Junior ISA included with its Plus and Premium plans. With Plus, it costs £14.99/month and gives you free JISAs for all your children. You get one free trade per month, and there's no commission for a regular monthly investment (from £25 per month) into ETFs (or other assets). Otherwise, it's £1.49 to buy or sell funds, £3.99 for UK/US shares, and £7.99 for other international stocks. The FX fee is 0.75%. You could also upgrade to the Premium plan for a whopping £39.99/month which comes with 2 free monthly trades, free fund dealing, lower commissions and a lower 0.25% FX fee.}

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA. £3.99

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA. £1.49

Share trading feeThe amount you'll pay to invest in company shares. £3.99

Junior ISA account feesThe account fees you'll pay when investing inside a Junior ISA. £14.99 per month

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