Accounts

Choose an account that works for you
Whether you want income or growth from your investments, your InvestEngine portfolio is available in a choice of three accounts:Whether you want income or growth from your investments, your InvestEngine portfolio is available in a choice of three accounts:
Individual Savings AccountThe tax-free way to power your investing. Invest up to £20,000 a year in our Stocks & Shares ISA, with no income tax or capital gains tax (CGT) on your returns.
Personal AccountA flexible way to invest from as little as £2,000. Income and growth portfolios for different risk appetites, with easy access and no exit charges.
Business AccountAn innovative alternative to banks’ low interest rates. Invest your company’s surplus cash for the opportunity of higher returns — with access whenever you want.
What’s the difference?
All three InvestEngine accounts offer the same investment opportunities for a low fee of just 0.25% a year (ETF costs also apply; read more about costs). But there are differences between how much you can invest in our accounts, and the way your returns are taxed:All three InvestEngine accounts offer the same investment opportunities for a low fee of just 0.25% a year (ETF costs also apply; read more about costs). But there are differences between how much you can invest in our accounts, and the way your returns are taxed:
ISA
Personal Account
Business Account
Maximum you can invest per tax year
£20,000*
Unlimited
Unlimited
Tax on dividends
Unlimited tax-free
Up to £2,000 tax-free
Depends on business circumstances**
Tax on capital gains
Unlimited tax-free
£12,300 tax-free allowance#
Depends on business circumstances**
* Total limit for all ISA types
# Per person across all investments; 2020/21 tax year
** Investment returns on Business Account are paid gross, but your business may then need to pay tax on any income or capital growth. InvestEngine does not provide tax advice and you should speak to your own tax adviser.

Tax thresholds and allowances can change
ISA
Personal Account
Business Account
Maximum you can invest per tax year:
£20,000*
Unlimited
Unlimited
Tax on dividends:
Unlimited tax‑free
Up to £2,000 tax‑free
Depends on business circumstances**
Tax on capital gains:
Unlimited tax‑free
£12,300 tax‑free allowance#
Depends on business circumstances**
* Total limit for all ISA types
# Per person across all investments; 2020/21 tax year
** Investment returns on Business Account are paid gross, but your business may then need to pay tax on any income or capital growth. InvestEngine does not provide tax advice and you should speak to your own tax adviser.

Tax thresholds and allowances can change
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