General Investment Account
Invest without boundaries with our General Investment Account and realise your investing potential. With our Core plan, you’ll also benefit from no price plan fee, £0 commission on all trades, a low 0.5% FX fee on all international trades, access to 3,500+ assets, and much more.
When you invest, your capital is at risk.
Transfer to us
Transfer your pensions, ISAs and GIAs using our seamless in-app process. Start a transfer in as little as 30 seconds and track your progress every step of the way.
Why invest with us?
No price plan fees
With our Core plan, you’ll get access to our General Investment Account, ESG data, analyst ratings with price targets and other great benefits with no price plan fees.
£0 commission
Have more cash to put towards your investments by saving money on commission on every trade. Other charges apply.
FX fees
For every international share you buy or sell, we’ll always offer an FX fee of 0.50%. When you switch to Plus, you’ll get a USD and EUR wallet, so you can convert GBP to USD or EUR once and hold it for future investments.
Variety of investments
Invest in 3,000+ US shares, Large-cap UK shares, 400+ ETFs, Investment Trusts and REITs. With Plus, you’ll get Mid and Small-cap UK shares, AIM shares and 1,000+ Mutual Funds. See our price plans for more information.
Earn 2% Interest on cash
You will earn 2% gross interest (2.02% AER) on your uninvested, settled cash within your General Investment Account. Read more about our 2% cash interest here.
In-app GIA transfers
Our quick and easy in-app transfer form allows you to start your GIA transfer to us in as little as 30 seconds. Learn more about our transfer process.
Do you have questions about our General Investment Account? Check out our FAQs
Helping you along the way
We’re with you on your financial journey, visit the learn hub to find out more about investing.
Straightforward and transparent price plans
Browse and choose from one of our plans that suits what you need. No hidden fees, no nasty surprises, just straightforward and transparent pricing. FX fees and UK government charges may apply.
Core
Plus
Premium
Core plan
£0
Always pay nothing for our Core plan. Our Core plan will always be £0/month.
Accounts
- Easy access Cash ISA
- General Investment Account
- Flexible Stocks & Shares ISA
- Self-invested Personal Pension
Benefits
- £0 Commission
- 3,000+ US shares
- Large-cap UK shares
- 400+ ETFs and Investment Trusts
- 2% interest on cash balances
OFFER
Plus plan
£10 £0
Get our Plus plan for £0/month for the first 3 months* then pay up to £10/month.
Accounts
- Easy access Cash ISA
- General Investment Account
- Flexible Stocks & Shares ISA
- Self-invested Personal Pension
Benefits
- Everything in Core
- 1,000+ Mutual Funds
- Mid & Small-cap UK shares
- AIM shares
- USD & EUR wallets (GIA only)
OFFER
Premium plan
£25 £0
Get our Premium plan for £0/month for 12 months^, then pay up to £25/month.
Accounts
- Easy access Cash ISA
- General Investment Account
- Flexible Stocks & Shares ISA
- Self-invested Personal Pension
Benefits
- Everything in Core and Plus
When you invest, your capital is at risk.
*Plus plan 3-month free promotion terms and conditions.
^Premium plan 12-month free promotion terms and conditions.
For the full list of platform benefits, compare our price plans.
Frequently asked questions
Who can open a General Investment Account?
Anyone can open an account as long as they're over 18, are a UK or EEA resident and have a UK bank account.
Can I open a joint General Investment Account?
We don’t offer general investment accounts in joint names at the moment, but please do let us know if you would be interested in this option in the future.
Is there a minimum amount I need to have in my account?
There’s no minimum balance you must have in your account, but you will need to add cash to your account to start investing, and the minimum amount you can deposit at any one time is £1.
Will you send me a tax summary?
We'll send you a tax summary for your general investment account at the end of each tax year. The tax summary only applies for general investment accounts, so you won’t get a tax summary for any other type of account you hold with us.
Where can I find my transaction history?
When looking at your account in the app, just tap the ‘Activity’ tab to see a detailed breakdown of all your account activity. For more information, go to our ‘Viewing your performance and activity’ how-to guide – just scroll down on the home screen in the app and tap ‘Get started’ to see our how-to guides.
How do I fund my account?
You can fund your account using a credit or debit card or by transferring funds from your bank account. We do not accept cheque or cash deposits. Please ensure that any payment you make to fund your account is from a card or account in your name. Any payment from third-party sources will be returned.
How do you calculate FX fees?
We apply an additional FX fee spread of 0.50% to the current conversion rate at the time of execution. Here’s an example of how we calculate the CMC Invest FX fee for a conversion from GBP to USD:
We take the current exchange rate of 1.321 and multiply it by 0.005 (0.50%) to get our CMC Invest fee rate = 0.00660. We always round this number to 5 decimal points.
This rate is then applied to the money you want to convert to get the actual fee amount taken by us.
£100 (GBP) x 0.0066 = $0.66 (USD)
So, you'll get $132.10 (USD) from the simple FX conversion, minus our fee of $0.66 (USD), which is $131.44 (USD).
What benefits do I get when I switch plans?
To see all the benefits available under each plan, just tap on the profile icon in the top-left of the home screen in the app. Choose ’Your plan’ and swipe through the different plans to see which benefits are included with each plan.
How do I switch my plan?
Just navigate to your profile in the app by tapping on the icon in the top-left of the home screen. Then select ‘Your plan’, swipe right to the plan you want to switch to tap on the switch button and follow the instructions. You’ll see the details relating to your new plan, including information about any fees. Once you’ve confirmed you’d like to go ahead, we’ll send you a confirmation in the message centre. It’s as simple as that.
Can I switch my plan at any time?
Yes, you can. There are just a few things you’ll need to do before this can be completed, but we’ll help you along the way. It's important to know that switching your plan will mean you’ll no longer have access to the benefits available with the plan you’re switching from.
To switch your plan, go to ‘Your profile’ in the app and tap ’Your plan’ – you’ll see your current plan. Swipe to the plan you’d like to switch to, then tap the switch button at the bottom of the screen.
You’ll then see a list of actions you’ll need to complete before you can request your switch. When you complete an action, a green tick will show alongside it on the list.
If you’re switching from Plus to Core, you must:
- Sell any Plus assets
- Cancel any pending orders for Plus assets
- Close or transfer out of your Stocks & Shares ISA and send us a secure message in the app asking us to close your ISA
- Withdraw any cash from your currency wallets
If you’re switching from Premium to Plus, you must:
- Transfer out your SIPP to another provider and send us a secure message in the app asking us to close your SIPP account.
If you are switching from Premium to Core, you must:
- Sell any Plus assets
- Cancel any pending orders for Plus assets
- Withdraw any cash from your currency wallets
- Close or transfer out of your Stocks & Shares ISA and send us a secure message in the app asking us to close your Stocks & Shares ISA
- Transfer out your SIPP to another provider and send us a secure message in the app asking us to close your SIPP account.
