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Invest Wise accounts

Your ISA. Your future. Free investing for 18 to 25’s with Invest Wise.

Ready to apply?

Features and benefits

No admin fee

Pay no admin fee on your account until you’re 26.

Commission-free trading

Free trading on international markets or through a regular investment plan. FX rates apply.

Investment tools

Use our ETF Quicklist and Select List tools to make choosing investments easy.

You're in control

Manage your portfolio across a wide range of options including shares, ETFs and bonds.

All in the app

Manage everything in the app.

 

Get up to £600 for investing

If you started a switch to a Lloyds current account between 01 Jan and 30 Apr 2026 using the Current Account Switch Service, you can unlock the cashback offer on investments.

Earn up to £600 cashback when you fund or transfer into your Share Dealing Account or ISA between 24 Feb and 31 May 2026, and hold until 30 Oct 2026.

You’ll receive your cashback by 20 Nov 2026 into your Lloyds current account.

Switch and invest cashback offer

Get up to £600 for investing

Switch to any Lloyds current account from 01 Jan 2026 to 30 Apr 2026 using the Current Account Switch Service to unlock the cashback offer on investments.

Earn up to £600 cashback when you fund or transfer into your Share Dealing Account or ISA between 24 Feb and 31 May 2026, and hold until 30 Oct 2026.

You’ll receive your cashback by 20 Nov 2026 into your Lloyds current account.

Switch and invest cashback offer

Image showing the Boring money - value for money winner 2026 logo.

We've lowered our charges

We've reduced our online dealing commission from £11 to £9.50 for all UK trades. Our admin charge has also reduced from £20 to £18 every 6 months. You won't pay the admin charge until you're 26.

See our charges
 

ISA ISA Baby

Discover how to make the most of your tax‑efficient allowances this tax year and explore smart, confident ways to make your money work harder.

 

Get tax year ready

Easy as 1 2 3

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Open an account:

  • Invest Wise ISA – up to £20,000 ISA allowance a year.
  • Invest Wise Account – if you’ve already maxed your £20k ISA allowance.
Number two icon.

Research your investments:

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Get going:

  • Free regular investing
  • Deal now for £9.50 on one off trades
  • No commission on international trades (1% FX fee applies).

Is investing for you?

You can start from just £20 a month with our free regular investment plan. Yes, there are risks, so make sure you do your homework.

Due to the risks involved with investing, you should only invest if you have enough cash savings. Having savings is essential to make sure you can cover any expenses or emergencies without having to prematurely sell any of your investments.

If you’re not sure about investing, seek financial advice and keep reviewing your goals. Investing is for the medium to long term, at least 5-10 years.

Risk explained

Investing for longer increases the likelihood of positive returns. Over a period of 5 years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value. So you could get back less than you put in. Tax treatment depends on individual circumstances and may be subject to change in the future.

Investing is for the long haul

Long-term investing is like planting a tree — you give it time to grow, and eventually, you’ve got strong roots and maybe even some fruit. By focusing on your financial goals and avoiding trendy hype or short-term risks, you can save yourself from impulsive moves that might set you back.

Instead, you ride out the ups and downs, letting your investments grow steadily over time. Whether you're building wealth for your dream home, future adventures, or financial freedom, sticking to a long-term plan is the smart way to make it happen. Start small and stay consistent to hit your future goals.

You can watch our short video (2min 13s) that explains how you can diversify your investment portfolio using Exchange Traded Funds (ETFs).

Choose an account

Ensure you apply for an account using your main residential address. Your application may be rejected if we cannot verify you at the address provided.

Invest Wise ISA

Perfect for investing your £20k ISA allowance.

  • Invest up to £20,000 tax efficiently every year.
  • Choose when, where and how to invest.
  • Any increase on your investment is free from UK income and capital gains tax.
Open your Invest Wise ISA

Invest Wise Account

Perfect if you hit the £20,000 ISA limit.

  • No limit on the amount you can invest.
  • Choose when, where and how to invest.
  • Any income or gain may be subject to tax.

 

Open your Invest Wise Account

Terms and Conditions (PDF, 353Kb)

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects the eligible money you hold with us.

More about the FSCS

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects the eligible money you hold with us.

More about the FSCS

You might also like

Smarter Investing

We’ve teamed up with investment legends iShares by BlackRock to bring you the future of easy, affordable investment picks.

 Say hello to Exchange Traded Funds (ETFs).

Open the ETF Quicklist

Let your money work harder

Pay the same fees with us, no matter how much you invest. 

Transferring is free and easy (just use the ‘transfer’ option in your account).

 

Help me to transfer

Don’t stop now

26 doesn’t mean your investing life is over. 

You’ll pay £18 every six months but that doesn’t mean you can’t keep investing in your future goals.

 

View our charges Opens in the same tab

Important legal information

The Lloyds Bank Direct Investments Service is operated by Halifax Share Dealing Limited. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Registered in England and Wales no. 3195646. Halifax Share Dealing Limited is authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Important share dealing information

Boost your investment skills

Even with 250 years financial experience behind us, we’re still hungry to learn. If your investment skills need a top up, take a look at our articles. Bite-sized bits of investment inspiration you can chomp through whenever you like.    

Boost your skills

Boost your investment skills

Even with 250 years financial experience behind us, we’re still hungry to learn. If your investment skills need a top up, take a look at our articles. Bite-sized bits of investment inspiration you can chomp through whenever you like.    

Boost your skills