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.

More about ISAs

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.

More about our Personal Account

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.

More about our Business Account

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

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^**

Learn more

* 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

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**

Learn more

* 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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With investment, your capital is at risk

The value of your portfolio with InvestEngine can go down as well as up and you may get back less than you invest.

Income yields are not guaranteed and will fluctuate. Past performance is not a reliable indicator of future income or capital returns. Learn more about the risks

InvestEngine is authorised and regulated by the Financial Conduct Authority (FCA) and covered by the Financial Services Compensation Scheme (FSCS)

Your cash and investments are held separately from InvestEngine in pooled client accounts at NatWest and the Crest securities depository, providing further protection. Learn more

InvestEngine does not provide investment advice, or give recommendations. If you are unsure of the risk or suitability of an investment, you should seek advice from an independent financial adviser.

InvestEngine® is a trading name and registered trade mark of InvestEngine Limited. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority. The Firm Reference Number is 801128. InvestEngine (UK) Limited is incorporated in the UK with company number 10438231 and has its registered office at Lawford House, Albert Place, London, United Kingdom.

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