In this article, we compare the best and cheapest Stocks and Shares ISAs and reveal our best buys, based on cost, investment choice and ease of use.
To make things simple we have split our best buy list into two categories based on whether you want to manage your money yourself or whether you'd prefer to let someone manage it for you.
One of the best ways to maximise your Stocks and Shares ISA investment returns is to keep any costs low which is why this is a crucial factor in our best buy lists below. These lists are a subset of our larger Stocks and Share best-buy list.
Best Buy Stocks and Shares ISAs - if you want someone to manage your money for you
If you want someone to manage your money for you then below you will find our top 3 best buy Stocks and Shares ISAs.
To find out a little more about the providers, click on the provider name for our unbiased review and if you want to take advantage of the offers mentioned in the table, then simply click on the offer within the review.
| Provider | Good for | Offer | Portfolios | Minimum Investment | Fees * | Cost |
| Wealthify* | Those looking for the cheapest way to invest £20,000 | N/A | 5 | £1 | 0.60% | £120 |
| Moneyfarm* | Those looking to pay less as they invest more | Management fees waived for the first 12 months*.
(Terms and conditions apply) |
7 | £500 | 0.65% | £136 |
| Nutmeg | Those looking for a wider portfolio choice | Management fees waived for the first 12 months.
(Terms and conditions apply) |
10 | £500 | 0.75% | £150 |
* The fee percentage indicated in the table is based on an investment of £20,000. To see a full breakdown of the fees, click on the provider to see our independent review.
Prefer to see the full list of providers? Check out our complete best buy list
Best Buy Stocks and Shares ISAs - if you want to manage your money yourself
If you want to manage your money yourself then below you will find our top 3 best buy Stocks and Shares ISAs.
To find out a little more about the providers, click on the provider name for our unbiased review.
| Provider | Good for | Offer | Ease of use | Minimum Investment | Fees * | Exit fees |
| Interactive Investor* | Those with larger portfolios | N/A | Easy | £25 | £120 - £240 per year | N/A |
| AJ Bell* | Those looking for low cost | N/A | Easy | £25 | 0.25% | N/A |
| Freetrade* | Those wishing to buy and sell shares commission-free | Free share worth up to £200 when you deposit at least £1,000 into a Freetrade ISA*
(Terms and conditions apply) |
Easy | £2 | £4.99 per month | N/A |
* The fee amount / percentage indicated in the table is based on an investment of £20,000. To see a full breakdown of the fees, click on the provider to see our independent review.
Prefer to see the full list of providers? Check out our complete best buy list
Best Buy Stocks and Shares ISAs - if you want to invest ethically
If you want someone to manage your money for you then we have provided our top 3 ethical best buy Stocks and Shares ISAs below. Ethical portfolios are sometimes referred to as SRI portfolios which stands for Socially Responsible Investing.
Click on the provider name for our unbiased review to find out a little more about the providers. Alternatively, check out our article "How can I invest ethically and what are the costs"
| Provider | Good for | Offer | Portfolios | Minimum Investment | Fees * | Cost |
| Wealthify* | Those looking for the cheapest way to invest £20,000 | N/A | 5 | £1 | 0.60% | £120 |
| Nutmeg | Those looking for a wider portfolio choice | Management fees waived for the first 12 months.
(Terms and conditions apply) |
10 | £500 | 0.75% | £150 |
| Moneyfarm* | Those looking to pay less as they invest more | Management fees waived for the first 12 months*.
(Terms and conditions apply) |
7 | £500 | 0.65% | £136 |
* The fee amount / percentage indicated in the table is based on an investment of £20,000. To see a full breakdown of the fees, click on the provider to see our independent review.
Stocks and Shares ISA - Frequently Asked Questions
Below we list the questions we get asked the most in relation to Stocks and Shares ISAs (also known as investment ISAs)
How do I find the cheapest investment ISA platform for my portfolio size?
Our article "Compare the best (and cheapest) investment ISA platforms" focuses heavily on cost and provides comparison tables and best buys for a number of scenarios and portfolio sizes.
Am I guaranteed to make money by investing in a Stocks and Shares ISA?
No. The value of your Stocks and Shares ISA can go up as well as down. Investing isn't for everyone and so it is important that you understand the risks involved. Most providers will ask you to complete a risk questionnaire to determine your attitude to risk before you open an account. If performance is a primary consideration, then check out our article "Which is the best performing Stocks and Shares ISA?", however it is worth remembering that past performance is not indicative of future returns. If you are investing for less than 5 years then you may be better off considering a Cash ISA. Check out our article "Where should I invest my ISA allowance?" if you are unsure.
Should I invest in an ISA or a pension?
It depends on what you are trying to achieve. It is worth having both if you can afford to do so. If you have a workplace pension scheme that your employer pays into as well, you'll benefit from free money being added to the pension as well as receiving attractive tax breaks. However, an ISA could be better depending on what you are saving or investing for, as you can access your money sooner than retirement age. Check out our article "Pension vs ISA - which is the better investment" to find out more.
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers - AJ Bell, Freetrade, Interactive Investor, Moneyfarm, Wealthify
