Generally, we would recommend using an ISA if you’re eligible, to make the most of your tax free benefits.

Each tax year, you can open and deposit up to £20,000 across all eligible ISAs. You can open and contribute to more than one ISA type, including multiple Stocks and Shares ISAs, but the total amount you invest across them must not exceed your annual ISA allowance of £20,000 (allowances differ and restrictions apply to LISAs & JISAs). Learn how to transfer your ISA to a Quilter Invest ISA here.

Please note, tax treatment depends on your individual circumstances and may change in future.

Read more about ISAs on gov.uk.

A GIA is a great choice if you have already opened or funded an ISA, or if you’ve reached your £20,000 ISA limit. 

A Junior ISA (JISA) is a great, tax-efficient way to save up to £9,000 per year for each of your children, so long as they live in the UK and are under 18.

Transferring your ISA to Quilter Invest

You can transfer your ISA to a different type or the same type at any time and you can transfer all or part of your ISA, whether the money was invested this tax year or in previous years. 

To transfer an existing ISA from another provider into a Quilter Invest ISA:

• First, make sure you have opened a Quilter Invest ISA
• When viewing your ISA, tap ‘Transfer your ISA’ from the ‘Add Money’ or ‘Account’ section
• Select your current ISA provider from the list
• Complete your details, including your current ISA account number and the amount you’d like to transfer

If your current ISA provider isn’t listed, please contact our customer support team at support@quilterinvest.com.

You can find your account reference by ensuring the correct account is highlighted top left, tapping 'Add Money' and then 'Make a Bank Transfer.' The 'Unique Quilter Invest Account Reference' is your account number.

We’ll contact you if further information is required. In the meantime, you can track your transfer's progress at any time using the Quilter Invest app.

Please note:

• Quilter Invest only accepts cash transfers. This means you’ll need to sell any existing investments before transferring.
• Cash transfers to a Stocks & Shares ISA can take up to 30 calendar days.
• Transferring to a Quilter Invest ISA is free, but please check if your current provider charges fees. 
• To transfer out from Quilter Invest, contact the ISA provider you want to move to, and complete their ISA transfer form.

Please use the online ISA transfer process -  you may lose tax benefits if you transfer the money yourself.

Our customer support team is here to help if you run into any issues transferring your ISA, contact them at support@quilterinvest.com.

You can make as many trades as you like, but the trades will only complete when the stock market is open. 

The majority of shares available for our investment accounts are traded on the UK market, however, a selection of US stocks are available too. We trade once a day (enabling us to keep account fees low) shortly after 15:00 each business day. Trades on this account complete shortly after 15:00 (if placed before the market opens, any trades placed after this will complete on the next working day).

Please note, trades placed on 'The Adventurer', 'Fly the Flag,' 'Bond, Global Bond', 'Slow and Steady' or 'The Balanced' need to be placed before 11am on a working day in order to be processed the same day. If trades are placed after 11am, the trade will typically be processed on the next working day. However, please be aware that all trades placed on 'The Adventurer', 'Fly the Flag,' 'Bond, Global Bond', 'Slow and Steady' or 'The Balanced' can take up to four working days to complete.

‍We charge £2 per calendar month for our Investment plan, which includes: Stocks & Shares ISA, Junior Stocks & Shares ISA (Junior ISA (JISA) and for our General Investment Account (GIA). This covers transaction and investing costs.

There is also a platform fee of 0.25% of your portfolio value, e.g. £25 per £10,000 per year which is charged monthly. At any time, you can view the fees you will pay per month for your investment accounts by opening the Quilter Invest app > 'Account' > 'Fees & Charges'. These low fees make Quilter Invest one of the cheapest providers out there!

On some occasions, a 0.40% FX fee will be applied to trades on foreign shares only. 

Plus, where applicable, a fund provider fee (0.07% and 0.75% variable based on the fund) will be charged annually, and billed monthly, depending on which themed fund you select. This isn't deducted from your account but rather is reflected in the value of your fund.

View our pricing.

Themed Funds
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With Quilter Invest, you can invest in themed funds in a range of sectors, such as gold, technology and finance from just £10. We work with a number of fund providers such as BlackRock, Vanguard, Amundi and Rize. Explore our funds to see the full range of options. Please note, funds are only available with a Quilter Invest investment account.

Fractional Shares
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‍You can also choose to purchase shares in global companies with fractional shares. Sometimes the value of a whole share can be high, which is why we provide fractional shares; fractional shares allow you to purchase part of a whole share for as little as £10. No matter your budget, you can own a piece of brands like Tesla, Apple or Amazon. Fractional shares are only available in General Investment Accounts, though whole shares are also available in ISAs and Junior ISAs.