Best ISA and SIPP transfer deals

Are you an ISA or a SIPP holder? You could be earning cashback, free shares or other rewards simply by switching accounts to one of these top recommended providers.

Fact Checked
Clare West profile image
  • By Clare West
  • Published: February 18, 2026
  • Disclosure
  • Last Update: 1 week ago
  • 23 min read

My top picks

1.
Dodl platform logo
Cost-Cutter
Cost-Cutter
Ultra-low cost investing
Cost-Cutter

Dodl

Fees
Ultra-low fees
Products
Wide range of options
Benefits
No account fees for customers who pay £1,000+ into an ISA/LISA before 30 April

Capital at risk.

2.
interactive investor platform logo
High Value
High Value
Investors with at least £50,000
High Value

interactive investor

Fees
Flat fees
Products
One of the UK's largest selections
Benefits
Get £100 - £3,000 cashback when you open a SIPP and deposit or transfer a minimum of £20,000. (Offer ends 5 April 2026)

Capital at risk. Terms & fees apply.

3.
IG platform logo
Portfolio Pro
Portfolio Pro
Confident investors wanting top-tier tools
Portfolio Pro

IG

Fees
Zero commission on all stocks & ETFs
Products
Full range of assets
Benefits
Get up to £3,000 cashback when you transfer your investments into an ISA, GIA or SIPP. (Offer ends 05/04/26)

Your capital is at risk. T&Cs apply.

4.
Freetrade platform logo
First-Timer
First-Timer
Investors and traders who are just starting out
First-Timer

Freetrade

Fees
Free ISA
Products
UK, US & EU stocks, ETFs and bonds
Benefits
Up to 3.50% interest on cash

Capital at risk.

5.
Fidelity platform logo
Ethical Investor
Ethical Investor
Investors looking for a wide range of funds
Ethical Investor

Fidelity

Fees
Low service fees
Products
ISA, JISA, GIA, SIPP, Junior SIPP
Benefits
Transfer or deposit at least £50,000 into a Fidelity SIPP or Stocks and Shares ISA and get £300 - £3,000 cashback

Capital at risk.

6.
J.P. Morgan Personal Investing platform logo
Set-and-Go
Set-and-Go
Easy, hands-off investing from a well-established name
Set-and-Go

J.P. Morgan Personal Investing

Fees
Invest with no management fees for six months
Products
ISA, pension, GIA, LISA, JISA
Benefits
Get rewarded with cashback or Avios when you transfer £5,000 or more from your current ISA, pension, Lifetime ISA, Junior ISA or Child Trust Fund. (Offer ends 08.05.26)

Capital at risk.

7.
Hargreaves Lansdown platform logo
High Value
High Value
Investors with large portfolios wanting top-tier service
High Value

Hargreaves Lansdown

Fees
0.35% annual account fees
Products
ISA, JISA, LISA, SIPP, Junior SIPP, GIA
Benefits
Open an ISA or SIPP and get £75 to £4,000 cashback

Capital at risk.

8.
Moneyfarm platform logo
First-Timer
First-Timer
Investing beginners
First-Timer

Moneyfarm

Fees
-
Products
-
Benefits
-

As with all investing, your capital is at risk. Tax treatments depend on your individual circumstances and may change in the future. The value of your portfolio with Moneyfarm can go down as well as up and you may get back less than you invest.

9.
Barclays platform logo
Stock Picker
Stock Picker
Existing Barclays customers looking for a simple ready-made investment portfolio
Stock Picker

Barclays

Fees
-
Products
-
Benefits
-

Capital at risk.

1.
Dodl platform logo
Cost-Cutter

Dodl

Cost-Cutter
Ultra-low cost investing
Cost-Cutter
Cost-Cutter
Fees
Ultra-low fees
Products
Wide range of options
Benefits
No account fees for customers who pay £1,000+ into an ISA/LISA before 30 April

Capital at risk.

2.
interactive investor platform logo
High Value

interactive investor

High Value
Investors with at least £50,000
High Value
High Value
Fees
Flat fees
Products
One of the UK's largest selections
Benefits
Get £100 - £3,000 cashback when you open a SIPP and deposit or transfer a minimum of £20,000. (Offer ends 5 April 2026)

Capital at risk. Terms & fees apply.

3.
IG platform logo
Portfolio Pro

IG

Portfolio Pro
Confident investors wanting top-tier tools
Portfolio Pro
Portfolio Pro
Fees
Zero commission on all stocks & ETFs
Products
Full range of assets
Benefits
Get up to £3,000 cashback when you transfer your investments into an ISA, GIA or SIPP. (Offer ends 05/04/26)

Your capital is at risk. T&Cs apply.

4.
Freetrade platform logo
First-Timer

Freetrade

First-Timer
Investors and traders who are just starting out
First-Timer
First-Timer
Fees
Free ISA
Products
UK, US & EU stocks, ETFs and bonds
Benefits
Up to 3.50% interest on cash

Capital at risk.

5.
Fidelity platform logo
Ethical Investor

Fidelity

Ethical Investor
Investors looking for a wide range of funds
Ethical Investor
Ethical Investor
Fees
Low service fees
Products
ISA, JISA, GIA, SIPP, Junior SIPP
Benefits
Transfer or deposit at least £50,000 into a Fidelity SIPP or Stocks and Shares ISA and get £300 - £3,000 cashback

Capital at risk.

6.
J.P. Morgan Personal Investing platform logo
Set-and-Go

J.P. Morgan Personal Investing

Set-and-Go
Easy, hands-off investing from a well-established name
Set-and-Go
Set-and-Go
Fees
Invest with no management fees for six months
Products
ISA, pension, GIA, LISA, JISA
Benefits
Get rewarded with cashback or Avios when you transfer £5,000 or more from your current ISA, pension, Lifetime ISA, Junior ISA or Child Trust Fund. (Offer ends 08.05.26)

Capital at risk.

7.
Hargreaves Lansdown platform logo
High Value

Hargreaves Lansdown

High Value
Investors with large portfolios wanting top-tier service
High Value
High Value
Fees
0.35% annual account fees
Products
ISA, JISA, LISA, SIPP, Junior SIPP, GIA
Benefits
Open an ISA or SIPP and get £75 to £4,000 cashback

Capital at risk.

8.
Moneyfarm platform logo
First-Timer

Moneyfarm

First-Timer
Investing beginners
First-Timer
First-Timer
Fees
-
Products
-
Benefits
-

As with all investing, your capital is at risk. Tax treatments depend on your individual circumstances and may change in the future. The value of your portfolio with Moneyfarm can go down as well as up and you may get back less than you invest.

9.
Barclays platform logo
Stock Picker

Barclays

Stock Picker
Existing Barclays customers looking for a simple ready-made investment portfolio
Stock Picker
Stock Picker
Fees
-
Products
-
Benefits
-

Capital at risk.

What kind of investor are you?

Cost-Cutter

Cost-Cutter

"I want to focus on keeping costs to a minimum"
High Value

High Value

"I want the best option for larger portfolios"
Portfolio Pro

Portfolio Pro

"I am experienced and trade complex assets"
First-Timer

First-Timer

"I want a platform designed for beginners"
Ethical Investor

Ethical Investor

"My focus is on ethical or sustainable investing"
Set-and-Go

Set-and-Go

"I want an expert to do it all for me"
Stock Picker

Stock Picker

"I feel comfortable picking shares/ETFs"
Not sure what kind of investor you are?
Take Our Investor Persona Quiz

1.
Dodl platform logo

Dodl

Zero account fees for new and existing customers who pay £1,000+ into an ISA or LISA.

4.5/5

4.5 out of 5
My focus is on keeping costs to a minimum.
Zero account fees for new and existing customers who pay £1,000+ into an ISA or LISA.
My focus is on keeping costs to a minimum.

Zero account fees for customers who pay £1,000 or more into a Dodl ISA or LISA before 30 April 2026 (new and existing customers)

Low 0.15% annual account fee

Capital at risk.

Clare says

Dodl sets out to avoid over-complicating things. It’s super simple investing done very well.

Current offer: Zero account fees for customers who pay £1,000 or more into a Dodl ISA or LISA before 30 April 2026 (new and existing customers).

Dodl charges a low annual fee of 0.15% but it does also apply a minimum monthly account fee of £1 that can be disproportionately expensive to small starters, so there are savings to be made with this offer.

Persona icon

Dodl's ready-made portfolios have performed well

Dodl's collection of ready-made portfolios have, on average, far outperformed the industry average over the past 5 years with some stand-out results. Remember, however, that past performance is not a guarantee of future performance.

Account fees are very low

While there are some providers who offer zero account fees, those providers tend to offer a more limited range of investment assets (just ETFs, or just US stocks, for example). Dodl offers a good range of different types of assets. The £1 per month minimum fee is a flat fee though, meaning it's less good value for those investing very small amounts. An annual fee of £12 on a £500 pot, for example, is the equivalent of paying 2.4%.

Simple, easy-to-use mobile app

Dodl is a mobile app-only platform. It's designed to keep things uncomplicated.

3.80% AER paid on your uninvested cash

This is one of the highest rates of interest paid on uninvested cash in the UK, making it a good place to park your money if you're waiting for the right time to invest.

Reasons to use

investor-type-image
  • Offer is open to new and existing customers
  • Simplified user experience
  • Low annual 0.15% fees
  • Zero dealing charges
  • High interest rate on uninvested cash
  • Zero account fees for customers who pay £1,000 or more into a Dodl ISA or LISA before 30 April 2026 (new and existing customers)
  • Part of well-respected AJ Bell
  • Excellent customer service

Reasons to avoid

investor type image
  • £1000 min deposit required to get the offer
  • Flat £1 p/mo minimum charge
  • No fractional shares
  • Buying US stocks can be expensive
  • Mobile-app only

Scores

Fees:

5.0

Trading platform:

4.5

Account opening:

5.0

Research:

1.5

Education:

5.0

Customer service:

3.5

For a detailed analysis of Dodl, check out our review for 2025

Read full review

Dodl

Fees
Ultra-low fees
Products
Wide range of options
Benefits
No account fees for customers who pay £1,000+ into an ISA/LISA before 30 April
Dodl platform logo

4.5out of 5

point Zero account fees for customers who pay £1,000 or more into a Dodl ISA or LISA before 30 April 2026 (new and existing customers)
point Low 0.15% annual account fee
2.
interactive investor platform logo

interactive investor

Get £100 - £3,000 cashback when you open a SIPP and deposit or transfer a minimum of £20,000.

4.0/5

4.0 out of 5
I want the best option for larger portfolios.
Get £100 - £3,000 cashback when you open a SIPP and deposit or transfer a minimum of £20,000.
I want the best option for larger portfolios.

SIPP: £100-£3,000 cashback for new and existing customers opening a SIPP until 5 April 2026

Flat fees can be great value for large portfolios

Capital at risk. Terms & fees apply.

Clare says

interactive investor is offering between £100 and £3,000 cashback when you open a SIPP and deposit or transfer at least £20,000, with larger sums qualifying for bigger rewards.

This cash back deal is not as generous as some competitors are offering. However, with its flat-fee price structure, interactive investor (ii) can work out very economical for those with large sums to invest.

Offer ends on 5 April 2026.

Persona icon

Flat fees that benefit large portfolios

There are potentially very large savings to be made by using a flat-fee provider if you are a high value investor.

Excellent range of investment options

With around 18,000 assets covering UK and international shares, funds, ETFs, investment trusts, and bonds, you won't find your choices limited.

Exceptional research and educational materials

Whether you're a stock-picker or you want an expert to help you find the right investment options for your goals, interactive investor has plenty of tools, features and educational materials to help.

Reasons to use

investor-type-image
  • Excellent value for large portfolio holders
  • Huge investment choice
  • Part of a FTSE 100 company
  • Low trading fees for UK and US stocks
  • Exceptionally low fees for actively managed, ready-made funds
  • General trading and SIPP accounts can be funded in multiple currencies
  • Cash back received within 30 days

Reasons to avoid

investor type image
  • Must deposit £20k+ to qualify for the offer
  • £2m+ deposit needed to get the highest cashback
  • Not a flexible ISA
  • No fractional shares
  • Expensive for small portfolios

Scores

Fees:

4.0

Trading platform:

4.0

Account opening:

3.5

Research:

4.0

Education:

4.0

Customer service:

4.0

For a detailed analysis of Interactive Investor, check out our review for 2025

Read full review

interactive investor

Fees
Flat fees
Products
One of the UK's largest selections
Benefits
Get £100 - £3,000 cashback when you open a SIPP and deposit or transfer a minimum of £20,000. (Offer ends 5 April 2026)
3.
IG platform logo

IG

Get 1% cash back (up to £3,000) when you transfer into an IG ISA, SIPP or GIA.

4.5/5

4.5 out of 5
I want a sophisticated platform for experienced investors.
Get 1% cash back (up to £3,000) when you transfer into an IG ISA, SIPP or GIA.
I want a sophisticated platform for experienced investors.

GIA / ISA / SIPP: Get up to £3,000 cashback when you transfer your electronic stocks, shares and investments until 05/04/2026 (T&Cs apply).

Out of hours US stock trading

Your capital is at risk. T&Cs apply.

Clare says

New customers transferring an existing investment portfolio (GIA, ISA, or SIPP) to IG can receive up to £3,000 in cash back, calculated as 1% of the transferred value.

To qualify, you must use the promo code TRANS3K, initiate the transfer by April 5, 2026, and hold the investment until at least October 31, 2026.

On fees, IG have scrapped commission altogether on all stocks and ETFs, and as it charges flat custody fees, which means they do not increase as your investments grow, making it a great option for large portfolio holders.

Persona icon

Flat custody fees

Flat custody fees of £24 per quarter are great value for large portfolio-holders. What's more, if you place 3+ trades during the quarter, there is no custody fee to pay.

Top-tier features

IG provides a great user experience, access to top-tier research and trade execution tools, and a choice of trading platforms. If you are an investing or trading pro, IG will have everything you need.

Exceptionally good free trading academy

No-one does trader education better than IG. The IG Academy is superb. There are heaps of free courses, videos, live webinars, and articles to help progress and learn.

Reasons to use

investor-type-image
  • No minimum deposit required to qualify for cashback
  • Excellent value for large portfolio holders
  • Huge investment choice
  • Top-tier research tools and analysis
  • A If an ISA is flexible, you’re able to withdraw money and pay it back in, without it counting twice within your annual ISA allowance. It must be repaid within the same tax year it's withdrawn to be eligible, however.flexible ISAinfo
  • Out-of-hours US market trading
  • Outstanding trader education
  • Low-cost ready-made portfolios
  • commission on all stocks and ETFs

Reasons to avoid

investor type image
  • Can’t buy or sell fractional shares
  • 0.7% FX fee isn't the cheapest

Scores

Fees:

4.5

Trading platform:

5.0

Account opening:

4.0

Research:

4.5

Education:

5.0

Customer service:

4.5

For a detailed analysis of IG, check out our review for 2024

Read full review

IG

Fees
Zero commission on all stocks & ETFs
Products
Full range of assets
Benefits
Get up to £3,000 cashback when you transfer your investments into an ISA, GIA or SIPP. (Offer ends 05/04/26)
4.
Freetrade platform logo

Freetrade

Deposit £10,000+ into an ISA or SIPP and get 1% cash back (up to max of £5,000)

3.5/5

3.5 out of 5
I want simple and low-cost
Deposit £10,000+ into an ISA or SIPP and get 1% cash back (up to max of £5,000)
I want simple and low-cost

Deposit £10,000+ into an ISA or SIPP and get 1% cash back (up to £5,000) Offer ends 5 April 2026 (T&Cs apply)

Capital at risk.

Clare says

Freetrade is a slick, easy-to-use app that makes investing feel far less intimidating than many other platforms, making it a great starting point for beginners. It also regularly ranks as one of the cheapest platforms we test, with no ISA account fees, no withdrawal fees, and no trading fees on stocks, ETFs and mutual funds — making it a low-cost, no-fuss way to start investing.

Freetrade currently has a very strong offer on ISA and SIPP contributions that’s open to new and existing clients: deposit (or transfer in) at least £10,000 and get 1% cashback up to a max of £5,000. The offer is available until 5 April.

Persona icon

Ultra-low cost

Although Freetrade does offer some paid-subscription accounts, you can access both a Stocks and Shares ISA and a SIPP on the free Basic account. You can then fill your ISA with commission-free stocks, ETFs and mutual funds, making this a free, or near-free way to build an investment portfolio.

Very user-friendly

This is one of my favourite apps for simple investing and trading. There's a great user interface that's really intuitive and has been cleverly designed to cut back on confusion while still allowing beginners plenty of choice.

Flexible ISA

The Freetrade ISA is flexible, meaning you can withdraw and replace money during the tax year without impacting your annual allowance

Reasons to use

investor-type-image
  • Offer open to new and existing customers
  • Commission-free trading
  • No-fee Stocks and Shares ISA
  • If an ISA is flexible, you’re able to withdraw money and pay it back in, without it counting twice within your annual ISA allowance. It must be repaid within the same tax year it's withdrawn to be eligible, however.flexibleinfo ISA
  • Beginner-friendly trading platform
  • fractional shares available
  • No inactivity or withdrawal fees
  • No minimum deposit

Reasons to avoid

investor type image
  • Must deposit £10k+ to qualify for cashback
  • Only US, UK and EU shares
  • Relatively high A foreign exchange (FX) fee is added to all trades involving foreign currencies. If you buy a stock that trades in US dollars, for example, and your home account is in GB pounds, you'll need to pay an FX fee.FX feesinfo
  • Interest rate on uninvested cash has a ceiling
  • No mutual funds for Basic account-holders
  • Mobile app only

Scores

Fees:

4.0

Trading platform:

3.5

Account opening:

5.0

Research:

2.5

Education:

2.0

Customer service:

3.5

For a detailed analysis of Freetrade services, check out our review for 2025

Read full review

Freetrade

Fees
Free ISA
Products
UK, US & EU stocks, ETFs and bonds
Benefits
Up to 3.50% interest on cash
5.
Fidelity platform logo

Fidelity

Get £300 - £3,000 cash back when you make a deposit or transfer into an ISA / SIPP.

3.5/5

3.5 out of 5
My focus is on ethical or sustainable investing
Get £300 - £3,000 cash back when you make a deposit or transfer into an ISA / SIPP.
My focus is on ethical or sustainable investing

Transfer or deposit at least £50,000 into a Fidelity SIPP or Stocks and Shares ISA and get £300 – £3,000 cashback . Offer ends 5 April 2026 (T&Cs apply).

Competitive fund fees and non-trading fees

Capital at risk.

Clare says

Fidelity is a well-established and fairly priced provider with great customer service.

It offers access to a huge range of investment funds and ETFs including a wide selection of sustainable funds. It also offers a reasonably good selection of stocks from US, UK and European exchanges.

Fidelity is offering £300 – £3,000 cashback when you add a lump sum or transfer into a ISA / SIPP before 5 April 2026. To qualify, you need to pay in a minimum of £50,000. It’s a slightly better rate of cashback than interactive investor offers.

Persona icon

Low service fees

Fidelity charges the same simple annual fee for each of its products. Typically 0.35% per year, dropping to 0.20% on amounts over £250,000, and 0% on amounts over £1m.

Excellent customer service

This is one of my favourite brands for customer service. There's a messaging service for customers, a UK-based call centre for phone enquiries and the opportunity to speak to advisers in person at Fidelity's Investor Centre in London.

Fee-free Junior ISA

All Junior ISAs are exempt from service fees and dealing fees, making this an ultra-low-cost way to save for your child's future (ongoing fund charges would still apply: these vary depending on which fund you choose).

Reasons to use

investor-type-image
  • Long-standing trusted provider
  • Low-cost service fees
  • Simple pricing structure
  • Good rates of interest paid on cash
  • High level of customer service
  • No annual fees for junior investment accounts or cash accounts

Reasons to avoid

investor type image
  • Must deposit £50k+ to qualify for offer
  • Limited range of individual stocks
  • Dealing fees on the high side
  • Stocks and shares ISA isn't a flexible ISA

Scores

Fees:

4.0

Trading platform:

3.5

Account opening:

2.5

Research:

4.0

Education:

2.0

Customer service:

4.5

For a detailed analysis of Fidelity, check out our review for 2024

Read full review

Fidelity

Fees
Low service fees
Products
ISA, JISA, GIA, SIPP, Junior SIPP
Benefits
Transfer or deposit at least £50,000 into a Fidelity SIPP or Stocks and Shares ISA and get £300 - £3,000 cashback
6.
J.P. Morgan Personal Investing platform logo

J.P. Morgan Personal Investing

Get rewarded with cashback or Avios when you transfer £5,000+ to an ISA, pension, LISA, JISA or Child Trust Fund OR invest with no management fees for six months.

4.0/5

4.0 out of 5
I want an expert to do it all for me
Get rewarded with cashback or Avios when you transfer £5,000+ to an ISA, pension, LISA, JISA or Child Trust Fund OR invest with no management fees for six months.
I want an expert to do it all for me

Earn cashback or collect Avios when you transfer £5,000+ from your current ISA, pension, Lifetime ISA, Junior ISA or Child Trust Funds before 08.05.26. (T&Cs apply)

Invest with no management fees for six months when investing £500+ by 05.05.26. (T&Cs apply)

Capital at risk.

Clare says

There are two offers currently available to J.P. Morgan Personal Investing clients: no management fees for six months for new clients, and cashback or Avios when you transfer £5,000+ from other ISAs, pensions, Lifetime ISAs, Junior ISAs or Child Trust Funds. The second one is also open to existing clients.

The cashback/Avios points are equivalent to: £5,000 – £9,999 = £50 cashback or 5,000 points; and at increased levels up to £250,000+ = £2,500 cashback or 250,000 points.

As there are just 6 funds to choose from at J.P. Morgan Personal Investing (no individual stocks, funds or bonds to select here), this is a simple ‘set-and-go’ arrangement for those wanting a quick, decision-light way into investing.

Persona icon

Free access to Wealth Managers and Financial Advisors

Although this isn't independent financial advice (the team will only advise on J.P. Morgan products), there's the chance to get expert insight to help your understanding of which products and investment styles to choose.

Excellent portfolio performance

J.P. Morgan Personal Investing's 6 portfolios all show above-average growth. The Smart Alpha portfolio has particularly impressive data with +74.5% total cumulative returns over 5 years (31 January 2021 - 31 January 2026). That's a staggering figure considering our analysis puts the industry average over 5 years at around half of that. Remember that past performance is not a guarantee of future performance, however.

Wide range of account types

You can keep all your investments under one roof with an ISA, GIA, personal pension, Lifetime ISA and Junior ISAs available.

Reasons to use

investor-type-image
  • Portfolios have exceptionally good past performance
  • Wide range of account types (ISA, JISA, LISA, pension, GIA)
  • Free access to Wealth Managers and Financial Advisors
  • Retirement planning and wealth planning services available

Reasons to avoid

investor type image
  • Must deposit £5k+ to qualify for cashback/Avios points offer
  • Only 6 investing portfolios to choose from - no individual funds, stocks or bonds
  • More expensive than some other providers
  • Minimum deposit for ISA, pension or GIA is £500
  • Minimum deposit for income investing is £10,000

Scores

Fees:

3.5

Trading platform:

4.5

Account opening:

4.5

Research:

4.0

Education:

3.0

Customer service:

4.0

Read Clare's full review of J.P. Morgan Personal Investing

Read full review

J.P. Morgan Personal Investing

Fees
Invest with no management fees for six months
Products
ISA, pension, GIA, LISA, JISA
Benefits
Get rewarded with cashback or Avios when you transfer £5,000 or more from your current ISA, pension, Lifetime ISA, Junior ISA or Child Trust Fund. (Offer ends 08.05.26)
7.
Hargreaves Lansdown platform logo

Hargreaves Lansdown

Open an ISA or SIPP and get £75 to £4,000 cashback

2.0/5

2.0 out of 5
I want the best option for larger portfolios.
Open an ISA or SIPP and get £75 to £4,000 cashback
I want the best option for larger portfolios.

Longest established investment platform

Open an ISA or SIPP and get £75 to £4,000 cashback

Capital at risk.

Clare says

Open an ISA or SIPP before 5 April 2026 and get £75 to £4,000 cashback.

You can, in fact, get up to £8,000 with this offer as HL allows you to claim cashback on both an ISA and a SIPP.

But, you must keep the money in your HL Stocks and Shares ISA until 28 February 2027 to qualify for cashback. And it won’t be paid into your account until March 2027.

Persona icon

An comprehensive choice of account types and investment options

Bring all your accounts together under one platform for easy management and review.

Premium service

Hargreaves Lansdown is one of the oldest DIY investment platforms in the UK, and has a long-standing reputation for high levels of customer service and providing access to human advisors.

Reasons to use

investor-type-image
  • Up to £8,000 cashback available by opening both accounts
  • The UK's largest direct-to-investor investment provider
  • Access to human advisors
  • One of the most comprehensive ranges of investment options
  • Recently reduced account fees
  • Excellent standard of customer service

Reasons to avoid

investor type image
  • Must deposit £10k+ to qualify for offer
  • SIPP, ISA and GIA are all comparatively expensive for accounts below £250k in value

Scores

Fees:

3.0

Trading platform:

4.0

Account opening:

3.5

Research:

3.5

Education:

3.5

Customer service:

4.0

To read our detailed no stone left unturned review of Hargreaves Lansdown

Read full review

Hargreaves Lansdown

Fees
0.35% annual account fees
Products
ISA, JISA, LISA, SIPP, Junior SIPP, GIA
Benefits
Open an ISA or SIPP and get £75 to £4,000 cashback
8.
Moneyfarm platform logo

Moneyfarm

Get up to £1,000 cashback when you open or transfer an ISA before 30 April 2026

4.0/5

4.0 out of 5
I want a platform designed for beginners.
Get up to £1,000 cashback when you open or transfer an ISA before 30 April 2026
I want a platform designed for beginners.

Human investment consultants are available free of charge

Account types including S&S ISA, Cash ISA, Junior ISA, SIPP and general investing

As with all investing, your capital is at risk. Tax treatments depend on your individual circumstances and may change in the future. The value of your portfolio with Moneyfarm can go down as well as up and you may get back less than you invest.

Clare says

Get up to £1,000 cashback when you open and deposit into – or request to transfer an existing ISA to – Moneyfarm before 30 April 2026. You’ll need to transfer a minimum of £5,000 to be eligible for the offer.

Cashback is calculated based on the total net invested amount during the offer period, but works out as 1% of each band your deposit falls into (e.g. an investment of £5,000+ qualifies for a £50 cashback; an investment of £100,000+ qualifies for £1,000 cashback.)

Moneyfarm isn’t the cheapest platform for beginners, but if you are completely new to investing, then a ‘robo-advisor’ like Moneyfarm can be a great place to start. That’s because rob-advisors can help guide you towards the type of investment that could be best-suited to your circumstances and experience.

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More help making decisions

As a kobo-advisor, Moneyfarm is designed to help you help work out which type of investment is best for your circumstances, experience, and appetite for risk.

Access to human investment consultants

Complimentary access to a team of investment consultants who can help you achieve your financial goals.

'Flexible' ISAs

Moneyfarm's ISAs are 'flexible', meaning that transfers in and out don't negatively affect your ISA allowance. You can remove and repay cash within the tax year without it counting twice towards your annual limit.

Reasons to use

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  • Generous cashback offer
  • Cashback paid by 15 July 2026
  • Open to new and existing customers
  • If an ISA is flexible, you’re able to withdraw money and pay it back in, without it counting twice within your annual ISA allowance. It must be repaid within the same tax year it's withdrawn to be eligible, however.Flexible ISAinfo
  • Human investment consultants are available free of charge
  • Very responsive customer service

Reasons to avoid

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  • If you're transferring in, your old provider must complete the transfer by 31 May 2026
  • Must deposit £5k+ to qualify for cashback offer
  • Must remain invested for 2 years
  • Transfer must complete by 31 May 2026
  • eToro - Powered by Moneyfarm products are not included in the offer
  • High fees when compared to other robo-advisors
  • Some other robo-advisors’ funds have historically performed better

Scores

Fees:

3.5

Trading platform:

4.0

Account opening:

4.5

Research:

3.5

Education:

3.0

Customer service:

4.5

Read full review here

Read full review

Moneyfarm

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Products
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Benefits
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9.
Barclays platform logo

Barclays

Add at least £1,000 more than you withdraw to your Stocks & Shares ISA by 5 April 2026 and you could win £50,000.

4.0/5

4.0 out of 5
Add at least £1,000 more than you withdraw to your Stocks & Shares ISA by 5 April 2026 and you could win £50,000.

Capital at risk.

Clare says

If you transfer an ISA balance you have with another provider to a fixed-term flexible cash ISA with us, using the ISA transfer-in service, we’ll pay you either:

Between £50 and £200, if you open or have a current account with us
Between £50 and £600, if you open or have a Premier Current Account with us.
The amount you’ll get depends on the amount you transfer in.

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Reasons to use

investor-type-image

Reasons to avoid

investor type image

Scores

Fees:

4.0

Trading platform:

3.5

Account opening:

4.0

Research:

4.5

Education:

4.5

Customer service:

4.0

Read more about why we rate Barclays one of the best high street investment options

Read full review

Barclays

Fees
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Products
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Benefits
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"Investing is not just about numbers; it's about understanding the stories behind the brands. Each choice reflects a journey, and those who navigate it wisely can uncover hidden gems."
Antonia Founder and MD
Antonia

FAQs

A Stocks and Shares ISA is a tax-efficient investment account that lets you invest in things like shares, funds and ETFs without paying tax on your profits or dividends. You can put in up to a set annual limit (£20,000 for most people) each tax year. Any growth inside the ISA is yours to keep tax-free.

Yes, the two terms refer to the same thing: an account where you invest your savings into the stock market, and any income you gain from investment growth, can be taken tax-free.

A Self-Invested Personal Pension (SIPP) is a UK tax-efficient, "do-it-yourself" retirement savings pot that gives people the greatest possible freedom over how their pension is invested. It is a tax-efficient way of saving for retirement, as all contributions come with income tax relief, and all investments are able to grow free of income and capital gains tax.

Yes, you can pay into more than one Stocks and Shares ISA. In April 2024, the rules changed to allow investors to open as many accounts as they wish. Therefore, you needn’t be concerned about paying into more than one Stocks and Shares ISA - as long as you don't pay in more than £20,000 per year across all your ISAs (and that includes any Cash ISAs you have too).

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