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  • CMC Invest Review: Low cost but limited options
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CMC Invest Review

Low cost but limited options

CMC Invest is the easy-to-use investment solution brought to market by the long-established trading platform CMC Markets.

Recommended in
Best Cash ISA
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By Antonia Medlicott

  • Published: June 18, 2024
  • Edited by: Clare West
  • Last Update: 2 months ago
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Insiders score

infoMore info
This is the score our team have awarded the platform based on our own personal experiences and other important factors, such as fees and ease of use.

3.5out of 5

pointFirst 12 months free for premium plans
pointEarn up to £1,000 when you transfer a minimum of £25,000 into any CMC Invest account.
Visit Platform

Investments involve risks and are not suitable for all investors. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 61% of retail investor accounts lose money when trading CFDs with this provider.

3.5out of 5

point First 12 months free for premium plans
point Earn up to £1,000 when you transfer a minimum of £25,000 into any CMC Invest account.
Visit Platform

Antonia's view

The Verdict

Those happy with a general investment account will find good value here, however Sometimes called an investment ISA, a stocks and shares ISA is an individual savings account that allows you to invest in shares, unit trusts, investment funds, and bonds. You will not need to pay tax on any income or capital gains earned on investments within an ISAISAinfo and A self-invested personal pension (SIPP) is a type of private pension that allows you to control the specific investments that make up your pension fundpensioninfo investors with a small starting pot will find the flat fee structure very expensive while investors with some investment knowledge would be better served at a platform like Trading 212 where they will benefit from a greater selection of assets and a more favourable pricing structure.

Paying 2% interest on cash balances also doesn’t compete with Trading 212's interest rate on cash which is currently 3.85% AER.

New investors will enjoy the simplicity of the platform whilst still accessing a decent number of assets.
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Reasons to use

  • Very easy to use
  • Top-paying Cash ISA available
  • Low cost for a general investment account
  • Partnership with Finimize in the Learning Hub

Reasons to avoid

  • Very expensive for small investment pots for ISA and SIPP
  • Fairly limited selection of assets
  • 0.5% FX on the general investment account
  • No fully managed portfolios for new investors
  • Verdict3.0
  • Fees2.5
  • Trading Platform4.5
  • Research3
  • Safety5
  • Education3.5
  • Customer Service
  • Portfolio View
  • Promotions

Antonia's view

Who do I recommend it for?

arrow-down-orangeRead More

Reasons to use

  • Very easy to use
  • Top-paying Cash ISA available
  • Low cost for a general investment account
  • Partnership with Finimize in the Learning Hub

Reasons to avoid

  • Very expensive for small investment pots for ISA and SIPP
  • Fairly limited selection of assets
  • 0.5% FX on the general investment account
  • No fully managed portfolios for new investors
  • arrowVerdict
    3.0
    Those happy with a general investment account will find good value here, however Sometimes called an investment ISA, a stocks and shares ISA is an individual savings account that allows you to invest in shares, unit trusts, investment funds, and bonds. You will not need to pay tax on any income or capital gains earned on investments within an ISAISAinfo and A self-invested personal pension (SIPP) is a type of private pension that allows you to control the specific investments that make up your pension fundpensioninfo investors with a small starting pot will find the flat fee structure very expensive while investors with some investment knowledge would be better served at a platform like Trading 212 where they will benefit from a greater selection of assets and a more favourable pricing structure.

    Paying 2% interest on cash balances also doesn’t compete with Trading 212's interest rate on cash which is currently 3.85% AER.

    New investors will enjoy the simplicity of the platform whilst still accessing a decent number of assets.
    arrow-down-orangeRead More

    Reasons to use

    • Very easy to use
    • Top-paying Cash ISA available
    • Low cost for a general investment account
    • Partnership with Finimize in the Learning Hub

    Reasons to avoid

    • Very expensive for small investment pots for ISA and SIPP
    • Fairly limited selection of assets
    • 0.5% FX on the general investment account
    • No fully managed portfolios for new investors
  • arrow Fees:
    2.5
    There are three plans to choose from here. Both paid plans offer a promotion of 12 months free. After that time you will be faced with some fairly hefty subscription fees.

    Core plan - £0


    • General Investment Account

    • 2% interest on cash balances

    • FX fee 0.50%-0.99%



    Plus Plan - ££6.99


    • General Investment Account

    • Stocks and Shares ISA

    • Everything in Core

    • USD & EUR Wallets in the GIA

    • FX fee 0.5%



    Premium Plan - £10.99 per month


    • General Investment Account

    • Stocks and Shares ISA

    • Self-Invested Personal Pension

    • Everything in Core

    • USD & EUR Wallets in the GIA

    • FX fee 0.39%

    arrow-down-orangeRead More
  • arrowTrading Platform:
    4.5
    I enjoyed the simplicity of this platform. Even a complete novice will feel comfortable here.
    arrow-down-orangeRead More

    Reasons to use

    • Excellent app

    Reasons to avoid

    • No desktop or web platform
  • arrowResearch:
    3
    This is a proposition aimed at complete beginners and therefore research is a little thin on the ground. If you do decide to invest using ETFs or funds, there is a standard amount of information available from the KIID document or a research tab that provides information.
    arrow-down-orangeRead More

    Reasons to use

    • Morningstar ratings
    • training performance
    • rolling performance
    • Fund management

    Reasons to avoid

    • No economic calender
    • No interactive graphs
  • arrowSafety:
    5
    You do not need to be concerned about safety here. All the appropriate levels of authorisation are in place and CMC Invest is part of the CMC group, including CMC Markets, which has been established for a long time.

    More information on CMC Markets Group and whether this platform might be a good addition to your portfolio can be found here:

    CMC Markets Group: Company performance analysis
    arrow-down-orangeRead More

    Reasons to use

    • Authorised and regulated by the Financial Conduct Authority
    • Protection by the Financial Services Compensation Scheme
  • arrowEducation:
    3.5
    For those completely new to investing, there are some decent educational articles including a collaboration with Finimize who have an informative but engaging style that I have always enjoyed.
    arrow-down-orangeRead More

    Reasons to use

    • Finimize articles in the learning hub

    Reasons to avoid

    • No quizzes
    • No seminars
    • No video content
    • No blogs
  • arrowCustomer Service:
    0
    There is a messaging service from within the app, however, there is no indication of how long you may have to wait for a reply. My own experience was a reply within 30 minutes which is decent.
    arrow-down-orangeRead More

    Reasons to use

    • In app messaging service

    Reasons to avoid

    • No live chat
    • No telephone support
  • arrowPortfolio View
    arrow-down-orangeRead More
  • arrowPromotions
    £0 for 12 months

    Upgrade to the Plus and Premium plans and pay zero fees for the first 12 months. Terms and conditions apply so be sure to check the CMC Invest website.

    Earn up to £1,000 when you transfer a minimum of £25,000 into any CMC Invest account. T&Cs apply.
    arrow-down-orangeRead More

What are users saying about Interactive Investor?

Have anything to add of your own?
Leave a review.

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Updates

18.06.24 Review published

43+

Users had this to say about “CMC Invest”

User score Satisfied

4.0 out of 5

Mateo B.

Satisfied

5.0 out of 5
Fees 5.0
Account Opening Process 5.0
Customer Service 5.0
Educational Resources 5.0
Product Range 5.0
Tariq D.

Satisfied

5.0 out of 5
Fees 5.0
Account Opening Process 5.0
Customer Service 5.0
Educational Resources 5.0
Product Range 5.0
Kofi W.

Satisfied

5.0 out of 5
Fees 5.0
Account Opening Process 5.0
Customer Service 5.0
Educational Resources 5.0
Product Range 5.0
Olivia B.

Satisfied

5.0 out of 5
Fees 5.0
Account Opening Process 5.0
Customer Service 4.0
Educational Resources 5.0
Product Range 5.0
Samir H.

Satisfied

4.0 out of 5
Fees 4.0
Account Opening Process 4.0
Customer Service 5.0
Educational Resources 3.0
Product Range 5.0
George D.

Not satisfied

3.5 out of 5
Fees 3.0
Account Opening Process 3.0
Customer Service 3.0
Educational Resources 3.0
Product Range 4.0
Chloe R.

Not satisfied

3.5 out of 5
Fees 3.0
Account Opening Process 3.0
Customer Service 3.0
Educational Resources 4.0
Product Range 4.0

Looking to share your thoughts?

Feel free to leave your review on this platform.

Your Score
More info
4.6 out of 5
Not satisfied Satisfied
Not satisfied Satisfied
Not satisfied Satisfied
Not satisfied Satisfied
Not satisfied Satisfied
Not satisfied Satisfied

Who do I recommend CMC Invest for?

This is difficult to recommend to anyone. If there are beginners out there who already have a decent sized investment pot and want something very simple, then this would fit the bill. But small pots are going to get penalised by that flat fee structure in order to access the Sometimes called an investment ISA, a stocks and shares ISA is an individual savings account that allows you to invest in shares, unit trusts, investment funds, and bonds. You will not need to pay tax on any income or capital gains earned on investments within an ISAISAinfo or A self-invested personal pension (SIPP) is a type of private pension that allows you to control the specific investments that make up your pension fundSIPPinfo.

Intermediate investors would be best going to a platform like Trading 212 where they will find a lot more assets to choose from as well as a better pricing structure and a much better interest rate on uninvested cash.

Experienced investors will struggle with the lack of choice here as well as the limited research tools.

Ask the insiders

Have a question about CMC Invest that we haven’t covered? Ask it here and we will get back to you as soon as possible!

User reviews

User score Satisfied

4.0 out of 5

Fees 4.0
Account opening process 4.0
Customer 4.5
Educational resources 4.0
Product range 4.5
Total reviews 43
43 Reviews
5.0
21
4.0
17
3.0
5
2.0
1.0

Let us hear your thoughts.

Leave your review on this platform.

User score Satisfied

4.0 out of 5

Fees 4.0
Account opening process 4.0
Customer 4.5
Educational resources 4.0
Product range 4.5
Total reviews 43
Mateo B.

Satisfied

5.0 out of 5

Fees 5.0
Account Opening Process 5.0
Customer Service 5.0
Educational Resources 5.0
Product Range 5.0

1.10.2025

Tariq D.

Satisfied

5.0 out of 5

Fees 5.0
Account Opening Process 5.0
Customer Service 5.0
Educational Resources 5.0
Product Range 5.0

29.9.2025

Kofi W.

Satisfied

5.0 out of 5

Fees 5.0
Account Opening Process 5.0
Customer Service 5.0
Educational Resources 5.0
Product Range 5.0

29.9.2025

Olivia B.

Satisfied

5.0 out of 5

Fees 5.0
Account Opening Process 5.0
Customer Service 4.0
Educational Resources 5.0
Product Range 5.0
Review

Their customer service is working positively, meeting their customer needs

28.9.2025

...
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