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.
Protected
FCA
Regulated
FTSE
250
Group
When you invest, your capital is at risk.
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A regular ISA won’t consider the withdrawn amount.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.
ISA benefits
Invest up to £20,000 in a tax year, with no income tax on dividends and no capital gains tax on profits.
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.
Commission-free investing
However much you invest, our commission is always 0%. Other charges may apply.
Variety of investments
Invest in over 2,000 US and UK shares, and 300+ ETFs and Investment Trusts, and counting…
0.50% foreign exchange fees
We offer competitively low rates. Always have, always will.
(Your USD wallet cannot be used with an ISA. HMRC allows foreign assets but not foreign currencies.)
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.
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.
Home
Buying your first home or moving house? Good financial planning could make your bricks and mortar dreams a reality.
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.
Entrepreneur
Starting a business or planning to expand? Investing could help keep you afloat while you’re bootstrapped and growing.
Bucket list
From travelling the world to building your dream house, tick off your bucket list with the help of your investments.
Rainy day
Put money aside in a savings or investment account to use when life throws you a curveball.
Just because
You don’t always need a specific financial goal. Investing could give you financial freedom and make your money work harder.
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
Core
£0 /month
Accounts:
- Zero commission
- 2,000+ US shares
- Large-cap UK shares
- 300+ ETFs and Investment Trusts
- ESG ratings
- 0.50% foreign exchange fees
Plus
£10 /month First 3 months free
- Everything in Core
- USD currency wallet
- Mid-cap UK shares
- Mutual funds (Coming soon)
- Company fundamental analysis (Coming soon)
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
£
Regular monthly payments
£
Your current savings rate
%
Get started by giving us some details
£00.00
£00.00
£00.00
£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 01-11-2022
Download the CMC Invest app to get started.
When you invest, your capital is at risk.
Protected
FCA
Regulated
FTSE
250
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.
X
Scan the QR code to install CMC Invest
-
01
Scan the QR code with your mobile phone's camera
-
02
Download the app from your app store
-
03
Follow the in-app instructions to create an account in minutes
When you invest, your capital is at risk.