Ultimate Guide to the Best Stocks and Shares ISA 2025

We have tried to provide a comprehensive comparison of the best Stocks and Shares ISA 2025 in the UK, helping investors choose the best platform based on fees, features, flexibility, and overall value.

We evaluate each ISA provider on key factors such as fund fees, foreign exchange costs, fractional shares, and whether they offer FSCS protection to bring the Best Stocks and Shares ISA 2025.

Comparison of the Best Stocks and Shares ISA 2025

1. InvestEngine

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	No; focuses on ETFs
Interest on Uninvested Cash	No interest offered
Flexible ISA	No
Foreign Exchange Fee	Not applicable; deals primarily in GBP-denominated ETFs
Platform Fees	No platform fee; ETF fees apply

Pros:

• No platform fees.
• User-friendly interface.

Cons:

• Limited to ETFs.
• No fractional shares.

2. Trading 212

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	Yes
Interest on Uninvested Cash	Offers interest; opting in may affect FSCS protection
Flexible ISA	Yes
Foreign Exchange Fee	0.15%
Platform Fees	No platform fee; ETF fees apply

Pros:

• Commission-free trading.
• Low FX fees.

Cons:

• Interest on cash may affect FSCS protection.

3. AJ Bell Dodl

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	No
Interest on Uninvested Cash	No interest offered
Flexible ISA	No
Foreign Exchange Fee	0.75% for the first £10,000; tiered reductions thereafter.
Platform Fees	0.15% annual charge; £1.50 per fund trade.

Pros:

• Low annual fees.
• User-friendly app.

Cons:

• Limited investment options.
• No fractional shares.

Also Read: Best Cash ISAs in the UK (January 2025) – WealthilyYours

4. Vanguard

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	No; focuses on funds
Interest on Uninvested Cash	No interest offered
Flexible ISA	No
Foreign Exchange Fee	Not specified; primarily deals in GBP
Platform Fees	0.15% annual fee; capped at £375

Pros:

• Low-cost index funds.
• Reputable provider.

Cons:

• Limited to Vanguard funds.
• No fractional shares.

5. AJ Bell

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	No
Interest on Uninvested Cash	No interest offered
Flexible ISA	No
Foreign Exchange Fee	0.75% for the first £10,000; tiered reductions thereafter
Platform Fees	0.25% annual charge; £1.50 per fund trade

Pros:

• Wide range of investments.

Cons:

• Limited investment options.
• No fractional shares.

6. Hargreaves Lansdown

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	No
Interest on Uninvested Cash	No interest offered
Flexible ISA	No
Foreign Exchange Fee	Tiered between 1% and 0.25%, depending on transaction size.
Platform Fees	0.45% annual charge, capped at £45 per year for a Stocks & Shares ISA.

Pros:

• Comprehensive range of investment options.
• Robust research and educational resources.

Cons:

• Higher fees compared to some competitors.
• No fractional share trading.

7. Freetrade

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	No
Interest on Uninvested Cash	No interest offered
Flexible ISA	No
Foreign Exchange Fee	Tiered between 1% and 0.25%, depending on transaction size.
Platform Fees	0.45% annual charge, capped at £45 per year for a Stocks & Shares ISA.

Pros:

• Commission-free trading.
• Fractional share availability.

Cons:

• Limited investment options compared to traditional platforms.
• No interest on uninvested cash.

Also Read: Maximize Tax-Free Wealth with ISAs in the UK – WealthilyYours

8. CMC Invest

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	Yes
Interest on Uninvested Cash	No interest offered
Flexible ISA	No
Foreign Exchange Fee	0.5%.
Platform Fees	No commission on trades; ETF fees apply.

Pros:

• User-friendly platform.
• Access to a variety of global markets.

Cons:

• No interest on uninvested cash.
• Limited educational resources.

9. Plum

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	Yes
Interest on Uninvested Cash	Offers interest on uninvested cash
Flexible ISA	No
Foreign Exchange Fee	0.45%.
Platform Fees	£1 monthly platform fee; fund fees vary.

Pros:

• Automated savings features.
• Interest on uninvested cash.

Cons

• Limited investment options.
• Monthly platform fee.

10. IG

FSCS Protected	Yes, up to £85,000
Transfer in Existing ISA	Yes, accepts transfers
Fractional Shares	Yes
Interest on Uninvested Cash	No
Flexible ISA	Yes
Foreign Exchange Fee	0.5%.
Platform Fees	Commission Rates: US Shares: Zero commission. UK Shares: £3 per trade, provided you placed 3 or more trades on UK shares in the previous month; otherwise, standard rates apply. Custody Fee: £24 per quarter, which can be offset by trading activity.

Pros:

• Access to over 13,000 global stocks and ETFs.
• User-friendly platform with robust research tools.
• Award-winning service, recognized as the Best Stocks and Shares ISA provider in 2024.

Cons:

• No interest is earned on uninvested cash.
• The quarterly custody fee may be a consideration for investors with lower trading activity.

Our goal is to empower readers with unbiased insights into the strengths and weaknesses of each platform. This is not a promotional piece – our intent is purely educational, ensuring you make an informed decision about where to invest without being influenced by advertising or sponsorships. This was our guide to Best Stocks and Shares ISA 2025.

Conclusion: Best Stocks and Shares ISA 2025

Choosing the Best Stocks and Shares ISA 2025 is essential for tax-efficient investing and long-term wealth creation. With the right ISA, investors can grow their portfolios without worrying about capital gains or dividend taxes. The Best Stocks and Shares ISA 2025 options provide a balance of low fees, diverse investment choices, and strong performance history.

When selecting the Best Stocks and Shares ISA 2025, key factors to consider include platform fees, available funds, and ease of use. Leading providers offer access to global markets, ETFs, and mutual funds, allowing investors to build diversified portfolios. The Best Stocks and Shares ISA 2025 should align with your risk appetite, whether you prefer low-cost index funds or actively managed portfolios.

Another important feature of the Best Stocks and Shares ISA 2025 is flexibility. Some platforms offer fractional shares, allowing investors to buy high-value stocks with smaller amounts. Additionally, a user-friendly interface and strong customer support enhance the investing experience.

Ultimately, the Best Stocks and Shares ISA 2025 empowers investors to make informed decisions and grow their wealth efficiently. Research your options carefully to find the Best Stocks and Shares ISA 2025 that fits your financial goals.

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