Investment firms often give incentives like free cash to get you to give them your money.
These offers are extra cash payments and freebies you can get for opening an investment account. We’re only sharing these promotions as a way to get some free cash rather than a recommendation of individual investment platforms or funds. Sometimes the type of account you open matters, so take a look at the T&Cs to double-check. We’ve split them into Stocks & Shares ISA offers and General Investment Account offers.
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Here at Be Clever With Your Cash, we’re not regulated to give you financial advice. We aim to give you the facts about a provider or investment but it’s up to you to decide if it’s suitable for you. If you’re looking for more personalised guidance, find a financial adviser who can give you specific advice. Remember that your capital is at risk when investing — don’t invest more than you are prepared to lose.
Stocks & Shares ISA offers
These are offers to tempt you to sign up for a new ISA or transfer existing ISAs. There may be a minimum amount you need to add in order to get the bonus. Remember, we’re just sharing offers here and not recommending any individual ISA investment platforms, so do your research before applying. Our S&S ISA best buy tables are a good place to start.
ISA offers
Our top pick
Customer rating
4.7/5
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OfferFree fractional share up to £100*
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Annual fee£0
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Type of investingDIY investing
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Minimum deposit£1
*New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC. Terms apply
- Flexible ISA Yes
- FSCS Protected? Yes
- Interest on uninvested cash 3.8%
- Important details Remember, the value of any money invested, which includes your free share, could go up or down
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 609146
- Foreign exchange fee 0.15%
- Transfer in existing ISA? Yes
- Fund fees If you invest in ETFs, you'll have to pay fund fees depending on the funds you choose
- Fractional shares Yes
- Offer details To get the offer, you need to open a Trading 212 Stocks and Shares ISA or Invest account and deposit at least £1 within 10 calendar days
- Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating
4.1/5
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Offer£100 in free trades*
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Annual fee£5.99 per month for portfolios up to £100,000
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Type of investingDIY or ready-made
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Minimum deposit£0
*New customers can get £100 in free trades to use by the end of 2026
- Flexible ISA No
- FSCS Protected? Yes
- Interest on uninvested cash Yes – tiered interest is paid on cash balances within your ISA, based on the amount held.
- Fees £5.99 per month (up to £100,000), £14.99 per month (no upper limit)
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 141282
- Foreign exchange fee Core plan: 0.75%; Plus plan: 0.75% (first £50,000), then 0.25% above this
- Transfer in existing ISA? Yes
- Fund fees Ongoing fund charges vary depending on the investments you choose. These are set by fund managers and typically differ across funds.
- Offer details New customers opening an ISA or general investment account can get £100 in free trades when they sign up and make a deposit by 31 July 2026. You have until the end of the year to use the free trades.
- Risk warning Capital at risk. The value of your investments may go up or down
- Trading fees Funds: from £3.99 per trade, UK & US shares (including ETFs and investment trusts): £3.99 per trade, Other international shares: from £9.99 per trade, Regular investing: free
- Investments available Shares (UK and international), Funds, ETFs, Investment trusts, Bonds
Customer rating
4.7/5
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Offerup to £1,000 in SpaceX shares*
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Annual fee£0
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Type of investingDIY or ready-made
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Minimum deposit£0
*New customers can get between £30 and £1,000 worth of SpaceX shares when you invest £300
- Flexible ISA Yes
- FSCS Protected? Yes
- Free SpaceX share offer New customers can get a randomly allocated bundle of SpaceX shares worth between £30 and £1,000 when you make £300 of trades by 31 July 2026. You need to maintain an average of £300 invested from 1 August 2026 until 31 October 2026. You need to use the code SPACEXSHARES to get the offer
- Interest on uninvested cash 3.75%
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 944492
- Foreign exchange fee 0.70%
- Transfer in existing ISA? Yes
- Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
- Fractional shares No
- Risk warning Capital at risk. The value of investments can go down as well as up.
Charles Stanley Direct Stocks & Shares ISA
Customer rating
3.6/5
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OfferUp to £1,500 cashback*
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Annual fee0.3% (min £5 per month)
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Type of investingDIY investing
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Minimum deposit£0
*You can get £300-£1,500 cashback when you transfer an ISA between £20,000 and £200,000
- Flexible ISA No
- FSCS Protected? Yes
- Interest on uninvested cash Yes - 1.5% on balances up to £99,999 and 1.9% on balances over this
- Fees You get £50 worth of free trades every 6 months. Funds cost £4 per trade and shares cost £10 per trade
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 124412
- Foreign exchange fee 1%
- Transfer in existing ISA? Yes
- Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose. There are no platform or trading fees when you invest in Charles Stanley Multi Asset Funds
- Fractional shares No
- Offer details The amount you'll get in cashback depends on how much you transfer. A transfer of £20,000 gets you £300 cashback
- Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating
3.8/5
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Offerfree £50 worth of assets*
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Annual feeCustody fee of 0.35% per year (max £45)
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Type of accountDIY and ready-made investing
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Minimum deposit$50
*Get £50 worth of free assets when you deposit £200 into a General Investment Account
- FSCS Protected? Yes
- Offer You need to sign up, verify your account and deposit at least £200 to get the free asset. ISA deposits aren't included in the £200 requirement to get the offer.
- UK shares trading fee You'll pay £3.95 per trade for shares, ETFs and mutual funds and £5.95 per trade for bonds
- Interest on uninvested cash 3% on balances up to $50,000, 3.8% on balances over this
- Managed portfolio fees Management fees are tiered, so you'll pay 0.45% up to £50,000, then 0.20% from £50,000 to £100,000, 0.10% from £100,000–£1.5m, and 0% above £1.5m. A platform fee of 0.25% also applies to all managed portfolios.
- Authorised and regulated by the Financial Conduct Authority Yes, FRN 583263
- Foreign exchange fee 0.7%
- Fund fees If you invest in funds, you'll have to pay fund fees, which cost on average ~0.16% per year, with additional market-spread effects up to 0.05%
- Fractional shares Yes
- Risk warning The value of your investments may go up or down. Your capital is at risk. ISA powered by Moneyfarm. ISA rules apply. UK residents only.
Customer rating
4.8/5
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OfferDiscounted annual fee*
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Service fee0.25%
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Type of accountDIY or ready-made investing
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Minimum deposit£10
- Flexible ISA Yes
- FSCS Protected? FSCS protection may apply if the custodian fails. It does not protect against investment losses.
- Fees £2 per month and a 0.25% platform fee - if you join before 31 July using code SUMMER26, you’ll pay no subscription fee and a lower 0.15% platform fee
- Authorised and regulated by the Financial Conduct Authority Yes, FRN 955775
- Transfer in existing ISA? Yes
- Fund fees When you invest in funds you'll also have to pay fund fees
- Investments available You can invest in OEICs and exchange-traded investments
- Risk warning The value of investments can go up and down and you may get back less than you invested.
General Investment Account offers
GIA offers
Our top pick
Customer rating
4.7/5
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OfferFree fractional share up to £100*
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Annual fee£0
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Type of investingDIY
-
Minimum deposit£1
*New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC. Terms apply
- FSCS Protected? Yes
- Offer New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC
- Interest on uninvested cash 3.8%
- Important details Remember, the value of any money invested, which includes your free share, could go up or down
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 609146
- Foreign exchange fee 0.15%
- Fund fees If you invest in ETFs, you'll have to pay fund fees depending on the funds you choose
- Fractional shares Yes
- Offer details To get the offer, you need to open a Trading 212 Stocks and Shares ISA or Invest account and deposit at least £1 within 10 calendar days
- Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating
4.7/5
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OfferChoose a free share*
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Annual fee£0
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Minimum deposit£0
*You can choose a free share if you're a new customer by opening a General Investment Account and making a deposit
- FSCS Protected? Yes
- Interest on uninvested cash 4.50%
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 522157
- Foreign exchange fee 0.50%
- Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
- Fractional shares Yes
- Offer details New XTB customers can get a free share of their choice (choose from Tesco, BP, Glencore, Barclays, Rolls‑Royce Holdings). You need to be a new XTB customer, open a General Investment account and make a deposit to get the offer
- Risk warning Capital at risk. The value of your investments may go up or down
Customer rating
4.1/5
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Offer£100 in free trades*
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Annual fee£4.99 per month
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Type of investingDIY or ready-made investing
-
Minimum deposit0
*New customers can get £100 in free trades to use by the end of 2026
- FSCS Protected? Yes
- Interest on uninvested cash 1.51%
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 141282
- Foreign exchange fee 1.50%
- Fund fees If you invest in funds, you'll have to pay fund fees between 0.03% and 1.5%
- Fractional shares No
- Offer details New customers opening an ISA or general investment account can get £100 in free trades when they sign up and make a deposit by 31 July 2026. You have until the end of the year to use the free trades.
- Risk warning Capital at risk. The value of your investments may go up or down
Customer rating
4.7/5
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Offerup to £1,000 in SpaceX shares*
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Annual fee£0
-
Type of investingDIY or ready-made
-
Minimum deposit£0
*New customers can get a bundle of UK shares worth up to £300 when you invest £300
- FSCS Protected? Yes
- Free SpaceX share offer New customers can get a randomly allocated bundle of SpaceX shares worth between £30 and £1,000 when you make £300 of trades by 31 July 2026. You need to maintain an average of £300 invested from 1 August 2026 until 31 October 2026. You need to use the code SPACEXSHARES to get the offer
- Interest on uninvested cash 3.75% usually
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 944492
- Foreign exchange fee 0.70%
- Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
- Fractional shares No
- Risk warning Capital at risk. The value of investments can go down as well as up
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ISA vs GIA
When you open these accounts you can usually choose between an ISA and a general investing account. If you haven’t used your full £20,000 ISA allowance this financial year, and you don’t plan to do so before 5 April, then that’s the best account for you as any gains you make will be tax free.
If you can’t or don’t want to add any more to an ISA, you can opt instead for the General Investment Account, although some of these offers may not be available for this account. In this account, you’ll only pay tax on profits after selling your share if it brings you over the Capital Gains Allowance.
