Stocks & shares ISA

Discover flexibility with our stocks & shares ISA

Looking for the tools that can help you with your long-term financial plans? Upgrade to our Plus plan and unlock our flexible stocks & shares ISA. This is a tax-efficient way to save and build towards your future and help you realise your investing potential.

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Discover the benefits of flexibility

Make your savings and investments work harder with our Flexible Stocks & Shares ISA.

What does flexible mean? Our investment ISA allows you to access your money whenever you need it without affecting your remaining annual ISA allowance. So, you could utilise your years of built-up ISA contributions as a stepping stone to achieve your financial goal.

Opening an ISA doesn’t have to be complicated. We’ve addressed some of the most common questions on our Learn Hub​.

Example

You invest £12,000 in your Stocks & Shares ISA. In the same tax year, you then take out £5,000, leaving your net balance at £7,000.

A regular ISA won’t consider the withdrawn amount. Because you have already contributed £12,000, you will only have £8,000 left to add to your ISA for the rest of the tax year.

A Flexible ISA, however, uses the net balance to calculate your remaining allowance. For the above example, you’d be able to contribute an additional £8,000 plus put back the £5,000 you initially withdrew so long as this is done in the same tax year.

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ISA benefits

Invest up to £20,000 in a tax year, with no income tax on dividends and no capital gains tax on profits.

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Hassle-free transfers

Our quick and easy in-app transfer form allows us to transfer your investments on your behalf. So, we do the hard work for you. Learn more about our unique in-app transfers.

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Commission-free investing

However much you invest, our commission is always 0%. Other charges may apply.

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Variety of investments

Invest in over 3,250 US and UK shares, and 400+ ETFs and Investment Trusts, and counting…

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2% interest

All CMC Invest customers will earn 2% gross interest (2.02% AER) on their uninvested, settled cash.

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No hidden fees

There are no joining fees, no exit fees, and no hidden fees when you buy, sell and hold shares with us. See our costs and fees for more information.

Tax treatment will depend on your individual circumstances and could potentially change in the future.

Financial goals

Set financial goals to plan your investing journey

Deciding your financial goals can help you make the right decisions at every stage of your investing journey. Looking for more investment goal ideas?

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Family

Whether you’re planning on getting married or sending your kids to university, investing could help you prepare for your future and the ones you love.

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Home

Buying your first home or moving house? Good financial planning could make your bricks and mortar dreams a reality.

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Retirement

Whether you plan to stop working at 40 or 70, a retirement nest egg could give you the financial freedom to really enjoy life after work.

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Entrepreneur

Starting a business or planning to expand? Investing could help keep you afloat while you’re bootstrapped and growing.

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Bucket list

From travelling the world to building your dream house, tick off your bucket list with the help of your investments.

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Rainy day

Put money aside in a savings or investment account to use when life throws you a curveball.

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Just because

You don’t always need a specific financial goal. Investing could give you financial freedom and make your money work harder.

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Free your investing potential

Free your investing potential

Build an investment portfolio that could help you achieve your financial goals and suits your investing journey.

  • US shares

    Invest in the land of opportunity and pick from the top US companies listed on the NYSE and NASDAQ.

  • UK shares

    Want to invest in and support businesses closer to home? Buy shares in 100 top UK companies listed on the LSE.

  • ETFs

    Invest across multiple assets, themes or regions using a single, cost-effective trade. Popular ETF providers include iShares and Vanguard.

Straightforward and transparent price plans

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Core

£0 /month

Accounts:

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Plus

£10 /month First 3 months free

Accounts:

  • Everything in Core
  • USD & EUR wallets
  • Mid-cap UK shares
  • Company fundamental analysis
  • Mutual funds (Coming soon)
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See all the features. Compare our subscription plans

Discover how much your ISA could be worth

Our ISA calculator is here to help you see how your money could grow over time through regular contributions. To see your investing potential, just change the amount in the boxes and adjust the scales to suit your future plans.

How much do you want to invest?

You can pay in both a single payment and regular monthly payments.

Single payment

How much would you like to add to get started? This can be money you have in a savings account or that you can transfer from an existing Stocks & Shares, Cash, or Innovation Finance ISA

£

Regular monthly payments

How much would you like to add to this amount monthly?

£

Your current savings rate

You can use our averaged Bank of England interest rate, or you can add the interest rate from your current savings account.

%

How long are you planning to invest for?

0 Years

Expected rate of growth

0 %

Get started by giving us some details

Investing value This number represents what your stocks & shares ISA could be worth based on the expected rate of return you have chosen. We've also subtracted the cost of our Plus plan, which gives you access to our Flexible Stocks & Shares ISA.

£00.00

Savings value This number represents what your savings could be worth based on the current saving rates you have chosen.

£00.00

Contributed This number represents the amount of money you would have added to the pot over your chosen time period.

£00.00

Differential value This number represents the additional return you could earn through investing using our stocks & shares ISA compared to leaving your money in a savings account (based on savings rate).

£00.00

Please remember when you invest, your capital is at risk. The value of your investment portfolio can go down, as well as up, and the projection is not a guarantee for future performance. Therefore, you may get back less than what you put in.

This information should not be used as personal or financial advice, please speak with a financial advisor if you're unsure if an ISA is right for you.

*Source: Bank of England Rates - Last updated 13-07-2023

Download the CMC Invest app to get started.

When you invest, your capital is at risk.

Protected

FCA

Regulated

FTSE

Listed Group

Frequently asked questions

Who can open a stocks & shares ISA account?

To be eligible to open a stocks & shares ISA account, you must be a UK tax resident and at least 18 years of age.

How many stocks & shares ISAs can I have?

You can’t pay into more than one stocks & shares ISA in a given tax year. However, you can choose to split your ISA allowance between a stocks and shares ISA and a cash ISA.

How much money do I need to open an ISA?

The minimum amount you can deposit is £10. You can use your debit card to add anything from £10 to £50,000 as a one-off payment.

Can I transfer my stocks & shares ISA?

Yes, you can also transfer your cash and innovative finance ISA. All you have to do is open an account, fill out our transfer form, and we’ll work with your current provider to transfer your investments or cash on your behalf.

Can I withdraw money from stocks & shares ISA?

Yes, you can withdraw cash from your flexible ISA account whenever you need it, then put it back again in the same tax year, without affecting your annual ISA allowance.

Why does my ISA allowance used show as a negative amount when I withdraw?

Our Flexible Stocks & Shares ISA allows customers to withdraw uninvested cash from their account and re-deposit in the same tax year. To reflect this in the account for those who may have withdrawn more than they have funded in the current tax year, with contributions made in the previous tax year, we will show the difference as a negative amount.

For example, client A contributed £15,000 to their Flexible ISA in the tax year 22/23, and for tax year 23/24 they have yet to fund towards their £20,000 annual allowance. Instead, they have decided to withdraw £5,000 from their account. This will be displayed in the account as a £25,000 annual allowance left and a -£5,000 allowance used.