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Choosing a Stocks & Shares ISA in 2025
Choosing the right Stocks and Shares ISA provider can have a significant impact on your financial future. With a variety of options on the market, finding the one that suits your goals may seem daunting, but it doesn’t have to be. This guide is designed to simplify the process, offering clear and practical insights to help you make informed decisions about Stocks and Shares ISAs in 2025.
What Is a Stocks & Shares ISA?
A Stocks and Shares ISA is an investment account that allows your money to grow tax-free while offering access to a range of assets like stocks, funds, and ETFs. Unlike a Cash ISA, which provides modest and predictable returns, a Stocks and Shares ISA opens the door to potentially greater growth, making it an attractive option for those with long-term financial ambitions.
This type of ISA enables you to invest without worrying about income tax, capital gains tax, or dividend tax on your returns. While the potential for higher growth comes with risks, understanding these risks and choosing the right provider ensures you can make the most of this powerful investment vehicle.
Why Consider a Stocks and Shares ISA?
If you’re looking to grow your wealth and are comfortable with the ups and downs of investing, a Stocks and Shares ISA is worth considering. It’s designed for long-term savings and offers the flexibility to match your investment style, whether you prefer ready-made portfolios or picking individual shares. With the right provider, you can take control of your financial future and work towards your goals with confidence.
Stocks & Shares ISAs To Consider in 2025
Provider | Minimum Deposit | Cost to Open | Platform Fees | Trading Fees | Average Interest (Over past decade) |
|---|---|---|---|---|---|
Hargreaves Lansdown | £100 or £25 monthly DD | No Cost | 0.45% | £11.95 per trade, £5.95 for frequent traders | 9.64% |
eToro | $10 (Roughly £7.50, subject to currency conversion) | No Cost | 0.5% Conversion Fee | None for real stocks, 1% for crypto | 6-10% |
Hargreaves Lansdown's Stocks & Shares ISA
Hargreaves Lansdown is a leading UK-based investment and savings platform, offering services like ISAs, pensions, and investment accounts to help individuals grow their wealth. With over 1.7 million clients, it provides access to a wide range of funds, shares, and financial products through its user-friendly online platform and mobile app. The company is known for its comprehensive research tools, expert guidance, and award-winning customer service.
The Hargreaves Lansdown Stocks and Shares ISA offers a great minimum deposit level of £100 or £25 via monthly Direct Debit. What's more, there are no costs to open an account. Platform fees are 0.45% annually, and trading fees are £11.95 per trade, reduced to £5.95 for frequent traders.
eToro's Stocks & Shares ISA
eToro is a popular online trading platform known for its user-friendly interface and innovative features like social and copy trading, which allow users to follow and replicate the strategies of experienced investors. It offers access to a wide range of assets, including stocks, ETFs, and cryptocurrencies, with no trading fees for real stocks. Its low entry requirements and global community make investing accessible and engaging, appealing to both beginners and seasoned investors.
The eToro Stocks and Shares ISA requires a minimum deposit of $10 (approximately £7.50, subject to currency conversion) with no cost to open. A 0.5% conversion fee applies for deposits, but there are no trading fees for real stocks and a 1% fee for cryptocurrency investments. Average returns range between 6-10%, making it a low-cost, accessible option for investors seeking flexibility and diverse asset choices.
Interactive Investor Stocks & Shares ISA
Interactive Investor (or just ii) is the UK’s second-biggest investment platform, offering a robust Stocks & Shares ISA. Their service is slick and easy to use, whether online or through their app. ii investors get exclusive research tools, award-winning expert insights and a UK-based customer support team on hand to help with anything you need.
When you join, you can access one of the widest ranges of investments available. Choose from an extensive collection of UK and international shares, funds, ETFs, bonds and investment trusts. Or leave it to the experts with ii’s Managed ISA. They’ll manage your investment portfolio on your behalf, saving you time.
Where ii differs is in its pricing. Instead of charging a percentage of your investments, you pay a low, flat fee – starting from just £4.99 a month. This means as your money grows, you could keep more over time. Beyond that, trading fees are typically £3.99 a trade for UK and US shares and funds. There’s no minimum deposit to open an ISA and no cost to join.
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Last updated on 22 Apr 2025 Last updated on 22 Apr 2025