In this guide

  • Our verdict
  • How we rated interactive investor's investment features
  • How does interactive investor work?
  • interactive investor fees
  • interactive investor plans
  • interactive investor investment choice and stocks
  • Is interactive investor safe?
  • interactive investor account types and products
  • interactive investor general investment account
  • interactive investor ISAs
  • interactive investor SIPP
  • interactive investor ease of use
  • interactive investor customer reviews
  • interactive investor tools, resources and features
  • Frequently asked questions
  • Your reviews
interactive investor Trading Account
Finder score
Capital at risk
Price per trade
£3.99 (free regular investing)
Min. initial deposit

Our verdict

interactive investor offers a massive range of investments, more account types than you can shake a stick at and plenty of security features - but are the fees worth it?

There’s lots to like about interactive investor (ii). We found it one of the most comprehensive places to invest, catering to every type of investor imaginable. You can opt for a DIY approach, choosing from over 40,000 investments. Or, if that all sounds a bit much, ii offers model portfolios and recommendations for funds and sustainable options.

Along with the jaw-dropping selection of investments and assets, ii does an excellent job of providing plenty of resources and the latest market analysis. The flat fee structure with ii means you know what you’ll pay month-to-month. As budgeting and personal finance aficionados, we like that. But this flat fee system (rather than using a portfolio percentage) best suits those of you with larger holdings.

This might just be the best all-round investing platform available to UK investors. But the monthly platform fee and high trading costs could outweigh the benefits.


  • Flat monthly fee is good value for large portfolios
  • Massive choice of investments
  • A platform designed for every type of investor
  • Lots of account choices
  • Invest online or with the ii app


  • Platform fee is expensive for small portfolios
  • Share dealing charges are quite high
  • Free monthly trade(s) with premium plans
  • Cheapest plan has a maximum portfolio size
  • Adding a SIPP costs more

In this guide

  • Our verdict
  • How we rated interactive investor's investment features
  • How does interactive investor work?
  • interactive investor fees
  • interactive investor plans
  • interactive investor investment choice and stocks
  • Is interactive investor safe?
  • interactive investor account types and products
  • interactive investor general investment account
  • interactive investor ISAs
  • interactive investor SIPP
  • interactive investor ease of use
  • interactive investor customer reviews
  • interactive investor tools, resources and features
  • Frequently asked questions
  • Your reviews

How we rated interactive investor's investment features


★★★★★ 2.7/5

interactive investor has reduced many of its fees, but some are still high compared to competitors.
Investment choice


It offers a huge range of investments and plenty of asset types.
Safety and security

★★★★★ 5/5

interactive investor offers one of the most secure and safe places for people to invest.
Account types and products

★★★★★ 4.6/5

The platform offers just about every type of account that you could need.
Ease of use

★★★★★ 4.3/5

interactive investor offers a well-rounded investing experience.
Tools, resources and features

★★★★★ 4/5

interactive investor offers a wide choice of tools and resources but lacks a social aspect.

If you’re looking for a one-stop shop for all your investing needs, we think interactive investor is definitely worth checking out. However, it’s not a perfect platform. In our interactive investor review, we take a look at the costs, investment options, the plans available, and the types of accounts you can use.

What is interactive investor?

Launched in 1995, interactive investor (yes, that’s intentionally all lower case, sometimes referred to as “ii”) is an online investment service offering a range of different investment plans, all with flat fees. As of May 2022, the company became part of abrdn (again, all lower case), but still operates as an individually regulated entity.

It has more than 400,000 customers and plenty of investment products available, over 40,000. So, you’ll have the opportunity to invest in just about every type of asset you can think of. From the ever popular stocks and shares to the more niche options like venture capital trusts (VCTs) and gilts.

How does interactive investor work?

For a flat fee starting at £4.99 per month, interactive investor takes care of your assets and gives you a range of investing options and accounts. Exactly what you get depends on which plan you choose (we’ll cover all the plans shortly).

A big bonus is that you don’t have to pay additional fees if you want to have more than one type of account with interactive investor. So you can have a general investment account (trading account), a stocks and shares ISA, and a Junior ISA (JISA) – all for one flat fee. Although, the JISA isn’t included with the cheapest Investor Essentials plan. The only additional cost is if you want to add on a self-invested personal pension (SIPP).

Expert test: I tried out interactive investor's desktop platform and mobile app

georgesweeney profile pic
George Sweeney

Deputy editor

I like that the sign up process for interactive investor (ii) is clear and straightforward, and these traits translate over to its desktop investing platform and mobile trading app. Personally, I prefer its desktop platform, which has a better integration of all the tools, features and research on offer from ii, whereas the mobile app is more simplistic. Overall, it does a brilliant job of providing loads of investments and features, but presenting everything in a way that makes it a painless process to invest and manage a portfolio.

interactive investor fees

Fees score


Platform fee£4.99/month Investor Essentials plan

£11.99/month Investor plan

£19.99/month Super Investor plan
UK shares£3.99
US stocks£3.99
International shares£9.99 (Investor Essentials/Investor)

£5.99 (Super Investor)
Foreign exchange (FX) fee1.5% up to £24,999
1.25% £25,000 to £49,999.99
1% £50,000 to £99,999.99
0.5% £100,000 to £599,999.99
0.25% £600,000
Phone dealing£49
Regular investingYes (from £25/month and means no commission)
Withdrawal/deposit fee£0
Inactivity fee£0

interactive investor has a fairly complicated fee structure to go with its comprehensive platform, so bear with us as we relay everything to you.

The first thing to understand is that ii has 3 subscription plans and which one you pick can impact your investing costs. The flat monthly fee structure can work out cheaper if you have a larger portfolio (although there’s a £50,000 portfolio limit for the Investor Essentials plan).

interactive investor plans

Altogether, there are 3 plans available with interactive investor and you can choose one that suits you:

  • Investor Essentials
  • Investor
  • Super Investor

Here’s the main differences between each of interactive investor’s plans:

Investor EssentialsInvestorSuper Investor
Monthly cost£4.99£11.99£19.99
Free trades0 free trades1 free trade each month2 free trades each month
Additional cost for SIPP£12.99£10£10
Friends and family£52 free members5 free members
Additional informationThe cheapest plan available, you can only invest up to £50,000 but have full access to the ii platform and investments. You get a stocks and shares ISA and a GIA, but no JISA.The most popular plan available. You get 1 free trade per month to use. No upper limit on portfolio balance and 2 free friends or family accounts. You also get a stocks and shares ISA, a GIA, plus a JISA.Designed for active investors, this plan has cheaper commissions for additional trades each month (after your 2 free trades). You get all the benefits and features of the other plans plus up to 5 free friends and family accounts.

Each plan gives you the option to add on “friends and family”, meaning you can invite people to join on an Investor Essentials plan without paying a monthly fee. If you’re on the Investor Essentials, this costs an extra £5 per month. On the Investor plan, you get 2 free additional accounts and if you’re on the Super Investor plan, this friends and family feature is free for 5 people.

If you want to use a SIPP, this costs an additional £12.99 per month, or a reduced fee of £10 per month if you’re on the “Investor” or “Super Investor” plan. You can now use a standalone “Pension Essentials” plan, with access to a SIPP for a flat £5.99 per month. The one caveat is that your portfolio must be under £50,000.

ii’s trading commissions are better than they once were, but they’re still not the cheapest at £3.99 for most investments. One major bonus is that the Investor and Super Investor plans allow you at least one free trade each month. Also, if you use the regular investing feature (from £25/month), this removes any commission for that investment. So, if you’re smart about it, you can squeeze some value out of the platform.

Other interactive investor fees

interactive investor investment choice and stocks

Investment choice score


Asset options5+
Number of investments40,000+
Number of ETFs/funds4,000+
Fractional shares
Minimum deposit£0 (£25/month for regular investing)
Minimum investment£1 (must be at least one full share)

interactive investor has thousands of options when you’re choosing the companies to invest in. There are more than 40,000 UK, US and international shares – from 17 global exchanges.

On top of this, there’s also over 3,000 funds to choose from, alongside exchange-traded funds (ETFs), bonds, gilts and VCTs. The only blemish on ii’s investment choice resume is the lack of fractional shares.

Is interactive investor safe?

Safety and security score


Biometric login/2FA
FCA regulated
FSCS protection
SSL certificate
Public company

interactive investor is a secure company that has been managing investments since 1995. The company is regulated by the Financial Conduct Authority (FCA).

Your deposits are covered by the Financial Services Compensation Scheme (FSCS) protection up to the value of £85,000 if interactive investor were to go bust. This does not cover your money in the event that your investments go down in value.

interactive investor offers features like 128-bit SSL encryption, constant system monitoring, and biometric login provide some peace of mind, but, you can also draw comfort from the fact that ii has been around for over 30 years and is now part of a publicly traded FTSE 250 firm, abrdn (ABDN).

Although as always when you invest, your capital is at risk.

interactive investor account types and products

Account types and products score


General investment account (GIA)
Stock and shares ISA
Self-invested personal pension (SIPP)
Lifetime ISA (LISA)
Junior ISA (JISA)/Junior SIPP (JSIPP)
Business Account
Interest on cash balances

interactive investor has 8 different account types and products available, including:

  • Stocks and shares ISA
  • Trading account (GIA)
  • Self-invested personal pension (SIPP)
  • Junior ISA (JISA)
  • Joint trading account
  • Cash savings
  • Company account
  • Multi-currency account

interactive investor general investment account

interactive investor’s general investment options, such as the trading account, joint trading account and company account, allow you to invest without an upper limit (unless you’re on the Investor Essentials plan which has a £50,000 limit).

Key features include:

  • You can withdraw your money whenever you like
  • 40,000 UK and global stocks to choose from

You can manage your money in up to 9 currencies. It’s worth noting that you may need to pay capital gains or dividend tax on your profits. Generally, you would use your ISA allowance before trading in a general investment account.

If you invest in a general investment account, you could be subject to capital gains tax. This is a tax that you have to pay on any gains over £3,000 in each tax year. You also have to pay tax on any dividends once you reach your £1,000 yearly allowance.

interactive investor ISAs

interactive investor’s ISAs (including the stocks and shares ISA and the JISA), allow you to invest up to your yearly allowances. This is £20,000 in the 2024/2025 tax year) for your investment ISA and then the JISA allowance for 2024/2025 tax year is £9,000.

Key features of the interactive investor ISA include:

  • You can use your whole ISA allowance
  • Flat subscription fees
  • No withdrawal penalties
  • Tax efficiency (gains are protected from UK tax)
  • Generates impartial intelligence daily to help you make decisions
  • You choose your own investments – if you want some help then the interactive investor’s investment experts provide ready-made portfolios and fund recommendations

interactive investor SIPP

interactive investor’s self-invested personal pension allows you to invest for retirement with the benefit of tax relief on your contributions. It’s suitable for experienced investors who are happy to make their own investment decisions for retirement. Your pension is locked until you turn 55 (rising to 57 in 2028) after which you have several drawdown options.

The ii SIPP structure is now slightly different. You can get set up on the Pension Essentials plan for £5.99 a month until your retirement portfolio hits £50,000. Once you reach that threshold, you’ll get upgraded to the Pension Builder plan for £12.99 a month.

Or if you have an ISA or trading account on the Investor Essentials plan, you can add a SIPP for £5 extra a month and this way, you can invest up to £75,000 across all your accounts before needing to upgrade.

Key features include:

  • Freedom to choose and manage your own retirement portfolio
  • More than 40,000 UK and global stocks
  • Expert tips and information, including impartial information, selected funds, ready-made portfolios and newsletters
  • Invest in multiple currencies
  • Pay £5.99 a month for Pension Essentials plan and invest up to £50,000. You can also add a stocks and shares ISA and trading account for £5 a month extra.
  • A standalone SIPP will be automatically upgraded to the full Pension Builder plan for £12.99 a month once your portfolio breaches £50,000.
  • You can add the SIPP for £10 per month with Investor and Super Investor plans, or for £5 with the Investor Essentials plan.

interactive investor ease of use

Ease of use score


Apple iOS rating4.4/5
Google Play rating2.5/5
Ways to contact customer servicePhone, post and secure in-app messaging
Desktop or mobile appBoth

interactive investor scored well in our ease of use assessment. We particularly like that there are a few ways to get hold of the support team.

On the App Store, interactive investor scores 4.4 out of 5, and on Google Play it has a much lower 2.5 out of 5 (as of December 2023). It’s interesting to see such a big difference and that Android users don’t like the app nearly as much as Apple users.

With ii, you can invest on the app or on the desktop if you prefer and after a few sitewide refreshes in recent years, ii is a pleasant place to put your money to work.

interactive investor customer reviews

Reviews platformScore
User reviews4/5

In our 2024 customer satisfaction survey, 91% of interactive investor customers said they’d recommend the platform to a friend.

Feedback included praise for its reliable and efficient service, and many customers described interactive investor as “easy to use”.

One customer commented interactive investor has “a comprehensive and informative interface that makes buying and selling shares fast and easy”.

On Trustpilot, users seem to agree and interactive investor has a score of 4.7 out of 5 – rated “excellent” – from over 23,000 reviews (last updated: January 2024).

interactive investor tools, resources and features

Tools, resources and features


Analysis features
Tools for investing/trading
Social features
Learning resources
Additional Features

interactive investor has a wide range of investing tools and resources to match its unparalleled library of investment options. interactive investor offers things like:

Alongside all the investment charts and tools, ii also offers articles, ESG screening, podcasts, model portfolios, video guides and much more. On top of all the investment tools available, it also puts together some excellent research and investing inspiration for you:

  • Quick-start funds. interactive investor has 6 ready-made funds to get you started. There are 3 passive Vanguard LifeStrategy funds (20%, 60%, and 80% equity). Then, there are 3 actively-managed Columbia Threadneedle (CT) sustainable funds categorised by risk appetite (cautious, balanced, or growth).
  • ii Super 60. This is a wide range of (you guessed it) 60 active and passive funds, investment trusts and ETFs. These have a good track record and cover a range of regions. You can choose between risk appetites and if you’re not sure what to go with, there is a huge amount of information on the different options available on the website.
  • ii ACE 40. A similar concept to the Super 60 except that the choices are all sustainable options.
  • Model Portfolios. There are also 5 model portfolios available, 3 growth options and 2 income options.
  • Trading tips and ideas. interactive investor regularly puts together inspiration, tips and ideas in the form of videos, articles, and podcasts to help you make investment decisions.

On the mobile app, you can trade, get quotes and manage your portfolio. Here’s a quick glimpse of how it looks and some of the features are below:Image of the ii app

  • Trading. You can access all the investment options that are accessible on the web app.
  • Orders. You can see the status of all of your orders and can close or cancel orders.
  • Funding. Allows you to see summaries of your accounts and add more funds.
  • Quick quotes. Obtain stock quotes, view price charts and save stocks for later.
  • Newsfeed, watchlist and market overview. Helps you stay up to date with the news, have a list of stocks to keep an eye on and shows you the latest market developments.
  • Security. It uses Face and Touch ID for a quick log-in.

Frequently asked questions

Share dealing platform scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
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