Flexible Stocks and Shares ISA

With our Plus plan, you can invest towards your future with our tax-efficient, flat-fee, Flexible Stocks & Shares ISA. You’ll also get access to all the features that come with our Core plan, plus USD and EUR wallets within your GIA, 1,000+ Mutual Funds, Mid and Small-cap UK shares, AIM shares, and company fundamental analysis.

When you invest, your capital is at risk. Tax treatment depends on your individual circumstances and may change in future.

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Transfer bonus

Earn up to £1,000* when you transfer a minimum of £25,000 into any of our CMC Invest accounts by 5 May 2024. Just use our seamless, in-app transfer request. *T&Cs apply. 

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What is a Flexible ISA?

Our Flexible Stocks & Shares ISA allows you to access and withdraw your money within the same tax year without affecting your remaining annual ISA allowance.

Let’s say you’ve invested £12,000 into a standard Stocks & Shares ISA, and in the same tax year, you then take out £5,000, leaving your net balance at £7,000. That ISA will only acknowledge that you’ve contributed £12,000 and show that you have £8,000 left for the rest of the tax year.

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

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Why invest with us?

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Flat-rate fees

With our flat-rate platform fees, you’ll know exactly how much you’re paying each month. See our price plans for more information.

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Flexible ISA

Our Flexible Stocks & Shares ISA allows you to access your money within the same tax year without affecting your remaining annual allowance.

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£0 commission

Have more cash to put towards your investments by saving money on commission on every trade. Other charges may apply.

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In-app ISA transfers

Our quick and easy in-app transfer form allows you to start your ISA transfer to us in as little as 30 seconds. Learn more about our transfer process.

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Variety of investments

Invest in 3,000+ US shares, Large, Mid and Small-cap UK shares, AIM shares, 400+ ETFs and Investment Trusts, and 1,000+ Mutual Funds. See our platform fee structure for more information.

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Earn 2% Interest

You will earn 2% gross interest (2.02% AER) on your uninvested, settled cash within your Flexible Stocks & Shares ISA. Read more about our 2% cash interest here. 

Do you have questions about our Flexible Stocks & Shares ISA? Check out our FAQs

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

What could your ISA be worth?

Our Stocks & Shares ISA calculator helps you see how much your ISA could grow over time through regular contributions. To see your investing potential, just change the amounts in the boxes and adjust the scales to suit your plans.

How much do you want to invest?

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

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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
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How much would you like to add to this amount monthly?
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You can use our averaged Bank of England interest rate, or you can add the interest rate from your current savings account.
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Get started by giving us some details

Further description if required

 

Investing value

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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.

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Saving value

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

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Contributed

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

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Differential value

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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).

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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

ISA guidance

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

Core plan

£0

Always pay nothing for our Core plan. Our Core plan will always be £0/month.


Accounts

  • 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

Plus plan

£10 £0

Get our Plus plan for £0/month for the first 3 months* then pay up to £10/month.


Accounts

  • 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

Premium plan

£25 £0

Get our Premium plan for £0/month for 12 months^, then pay up to £25/month.


Accounts

  • 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

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.

What is a Flexible Stocks & Shares ISA?

A flexible stocks & shares ISA has all the same benefits as a regular stocks & shares ISA, where you can fund up to the annual allowance and use your cash and profits to invest in qualified investments. The added benefit of a flexible ISA is that you’re able to withdraw and redeposit the same amount into the same ISA within the same tax year, without affecting your remaining annual ISA allowance. You can’t withdraw from a classic stocks & shares ISA and redeposit the funds without using up additional allowance.

Why do I need a national insurance number to open a stocks & shares ISA?

Your national insurance (NI) number is the identifier used by HMRC to track the ISA allowance used by individual investors. We ask for your NI number to help us with our reporting to HMRC.

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 £1. You can use your debit card to add funds, but you can’t deposit more than the annual limit for ISAs. To activate an ISA in the current tax year, you’ll need to fund a minimum of £1.

Can I transfer an existing stocks & shares ISA to CMC Invest?

Yes, and you can also transfer a cash ISA and innovative finance ISA. All you have to do is open an account, fill out our in-app transfer form, and we’ll work with your current provider to transfer your investments or cash on your behalf. However, we don't accept the partial transfer of your current year's ISA allowance. It must be the full transfer.

Can I withdraw money from my Stocks & Shares ISA?

Yes, you can withdraw cash from your CMC Invest 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 show as a negative amount when I withdraw?

Our flexible stocks & shares ISA allows customers to withdraw uninvested cash from their account and redeposit 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, customer 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.

Do you offer junior ISAs, lifetime ISAs, or cash ISAs?

Currently, we only offer a Flexible Stocks & Shares ISA. If you’re interested in us adding other types of ISAs, please let us know using the ‘Send us your feedback’ banner on the home screen in the app.