The top stocks and shares Isa offers ahead of the deadline next week

Products featured in this article are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence. 

The end of the tax year is fast approaching, which means you have under a week before you lose this year’s Isa allowance. 

The world of stocks and shares Isas has grown at a rapid pace, with more competition than ever between new low-cost platforms and the larger legacy players.

It means you can take advantage of some great offers to set up a new stocks and shares Isa or to move your existing Isa to a new platform before the end of the tax year.

We’ve picked a selection of some of the most compelling offers to make sure you get the most out of your Isa. 

With so many platforms offering stocks and shares Isas, we look at which offers the best value for money


Bestinvest* has had a recent relaunch, with a new website and update of its offering, including free financial coaching from its qualified financial planning team.

Investors looking to trade shares in US companies can now also do so for free via Bestinvest’s online platform in a bid to further attract customers.

Now, it is offering prospective customers cashback if you transfer your account of £1,000 or more to a Bestinvest general investment account, Isa, Junior Isa or Sipp.

The group is paying up to £1,000 per person for transfers up until the 30 April 2023 and invested in funds and shares of your choice.

You will receive £100 cashback for £1,000 transferred in, which rises to £300 for £20,000 transferred and £600 cashback for £50,000.

Cashback of £1,000 will be eligible for customers who transfer £100,000 to Bestinvest.

Do note that the offer is only eligible for transfers from other providers and not for cash payments made from bank accounts, but it is available for existing customers as well as new ones.

It will take around six months from the end of the promotion for the cashback reward to be paid. 

Find out more about Bestinvest’s offer here*. 

CMC Invest

CMC is one of the newest players in the DIY investment space, having launched its new CMC Invest app last September, to offer customers share dealing in over 1,300 UK and US stocks, alongside 300+ ETFs and investment trusts.

Its Plus plan, which costs £10 a month, will allow customers to open a flexible stocks and shares Isa, meaning they can withdraw money from their account and put the money back in within the same tax year without affecting their Isa allowance.

New customers will be gifted a £50 bonus and three months free on the Plus plan, among the most generous welcome offers among the low-cost platforms.

Find out how to join CMC Invest here.  

eToro + Moneyfarm

eToro* recently announced its first stocks and shares Isa in partnership with digital wealth manager Moneyfarm.

All of the fees for the eToro Isa will be in line with Moneyfarm’s usual fees.

These step down as portfolio sizes increase, ranging from 0.75 per cent for actively managed portfolios under £10,000, to 0.6 per cent on investments between £50,000 and £100,000 and down to 0.35 per cent on investments over £500,000.

If a customer opens their Isa before 23:59pm on 5 April 2023, they can benefit from an introductory Moneyfarm fee-free period of up to 12 months.

The fee-free period is dependent on the value of the initial investment, see below.

Moneyfarm fee-free period 
Minimum investment Isa fee-free period
£15,000 12 months
£10,000  6 months 
£5,000  3 months  
£3,000  1 month 


Fidelity is one of the biggest investment platforms out there and offers new investors plenty of information on their website.

If you invest a lump sum in an Isa online by 5 April 2023, you could win back the total amount you invest, up to £10,000 as part of Fidelity’s prize draw.

Three winners will be picked at random after 6 April 2023 and payment of the prize money will be made within 30 days of notification.

You will need to invest a minimum of £1,000 into a Fidelity Isa. You will need to check the full terms and conditions, but there are some investments which will not qualify, including investments into a Fidelity Junior Isa and through a ‘Bed and Isa’.

Separately, Fidelity* also offers cashback for Isa transfers, although it isn’t as generous as other platforms.

Customers can win up to £500 cashback but, as with cashback offers at other platforms, not all customers will receive this amount. Instead, the cashback you’ll receive is dependent on the total value of your transfer and the minimum investment is £5,000.

See the below table for the full breakdown.

Fidelity’s cashback offer
Total transfer value Cashback amount
£5,000-£9,999 £30
£10,000-£24,999  £100 
£25,000-£49,999  £150  
£50,000-£79,000  £350 
£80,000 or more   £500 

Find more details about Fidelity’s transfer offer here*.


Freetrade has built its customer base by offering no-commission stocks and shares trading. If you want to open a stocks and shares Isa you will need to opt for a Standard plan, which currently costs £4.99 per month, but will rise to £5.99 from next month.

It’s free to trade the full rage of over 6,000 US, UK and EU stocks and ETFs and, unlike other platforms, it offers fractional US shares.

Freetrade* is offering customers a free share worth up to £200 when you open an Isa.

Add at least £1,000 in cash or by transfer into a new Freetrade ISA and they’ll give you a free share worth between £10 and £200. But you’ll have to be quick because the offer ends on 5 April 2023.

If you are transferring an ISA, you have until 17 May 2023 for your transfer to be completed and to be counted for the award.

The value of the free share is a tiered offer, dependent on how much the value of your Isa is. If it’s £1,000+ the free share value will be £10 and if the Isa value is over £20,000, the free share will be worth £200.

See the table below for full details.

If you make withdrawals or transfers which cause your Isa value to fall, your free share value will be impacted. If it falls below £1,000, you will not be awarded a free share.

Freetrade free share value
Isa value Free share value
£1,000+   £10 
£5,000+  £50 
£10,000+  £100 
£20,000+ £200

Interactive Investor

Interactive Investor doesn’t have any current Isa offers, but if you transfer your pension you could earn up to £1,000 in cashback. Be quick though, as the current offer ends on 31 March. Find more details here.

The II* referral scheme is very generous and if you refer a friend or family member, you’ll receive a £200 reward and your friend will get their first year’s service plan for free – saving £120.

To qualify, your friend must transfer or fund their account with at least £10,000 in combined cash/investments. Do note that the friend will not receive free monthly trading credits during the fee-free period.

You can also gift up to five people a free subscription to II’s service through its Friends and Family plan. As an existing customer, you pay a single extra fee of £5 a month, and their monthly cost is zero.

You can find more details of Interactive Investor’s special offers here*.  

Five things to consider when picking an Isa investing platform 

1. Cheapest is not always best: You need to think about a combination of price and service – it is worth paying for quality but make sure you are actually getting that.

2. What will you invest in: Different dealing fees for shares, investment trusts and funds mean you need to think about how you will invest and tailor your choice accordingly.

3. Tools and information: What level of useful portfolio building tools and information does a platform offer?

4. Overall charges: Don’t just look at the admin fee or dealing charges. You need to combine both to get a true cost, along with costs such as dividend reinvestment and regular dealing charges. A low admin fee might look good but if you are an active investor who buys and sells a lot, then dealing charges will soon rack up and send costs soaring.

5. Extra fees: Check for regular monthly investing discounts, dividend reinvestment fees, transfer charges and other elements  


InvestEngine is another recent addition to the DIY platform space, although unlike other services it only allows customers to invest in ETFs.

Customers can build their own portfolio from a range of funds, or they can let InvestEngine match them with one of their low-cost, fully-managed ETF portfolios.

New customers who successfully fund an Isa, or transfer an existing Isa with the value of at least £10,000, will quyalify for an £100 investment bonus.

The offer is only valid until 1 May 2023.

You can find more details about InvestEngine’s Isa offer here.


Alongside its introductory fee-free period, Moneyfarm is also running its own cashback offer for new customers.

The tiered offer gives new customers, or those with an active account that hasn’t been funded yet, the opportunity to win up to £750 cashback.

Customers will receive £100 if they deposit and invest £5,000, and this steps up as portfolios increase, with £200 cashback for £10,000 invested and £500 cashback for £20,000 cashback.

Investors who put £50,000 into a Moneyfarm account, can win £750 cashback which will be credited to customers’ accounts by the end of May.

For more details of Moneyfarm’s Isa promo see here. 


Robo-adviser Wealthify offers low-cost ready-made portfolios allowing customers to invest through their original and ethical plans. Customers can set their own risk threshold and invest through a general investment account, stocks and shares Isa, junior Isa or pension.

If you transfer your Isa or pension to Wealthift, you can earn £50 for transfers between £50 and £9,999, rising to £100 for transfers between £10,000 and £19,999. Transfers of over £20,000 will earn you £200 cashback.

You’ll need to register your interest via the Wealthify website and you’ll have six months to come back and complete any transfers. The offer closes on 11 May 2023.

As well as offering cashback, Wealthify has taken another approach and opted for a raffle-style draw to entice investors.

New and existing customers can win £20,000 in its prize draw, if you fund a Wealthify plan with as little as £1 (and £50 for pensions) before 11 May 2023.

Compare the best DIY investing platforms and stocks & shares Isa

Investing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that suits you.

When it comes to choosing a DIY investing platform, stocks & shares Isa or a general investing account, the range of options might seem overwhelming. 

Every provider has a slightly different offering, charging more or less for trading or holding shares and giving access to a different range of stocks, funds and investment trusts. 

When weighing up the right one for you, it’s important to to look at the service that it offers, along with administration charges and dealing fees, plus any other extra costs.

To help you compare the best investment accounts, we’ve crunched the facts and pulled together a comprehensive guide to choosing the best and cheapest investing account for you. 

We highlight the main players in the table below but would advise doing your own research and considering the points in our full guide linked here.

>> This is Money’s full guide to the best investing platforms and Isas 

Platforms featured below are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence. 

Admin charge Charges notes Fund dealing Standard share, trust, ETF dealing Regular investing Dividend reinvestment
AJ Bell*  0.25%  Max £3.50 per month for shares, trusts, ETFs.  £1.50 £9.95 £1.50 £1.50 per deal  More details
Bestinvest* 0.40% (0.2% for ready made portfolios) Account fee cut to 0.2% for ready made investments Free £4.95 Free for funds  Free for income funds More details
Charles Stanley Direct 0.35%  No platform fee on shares if a trade in that month and annual max of £240 Free £11.50 n/a n/a More details
Fidelity* 0.35% on funds £7.50 per month up to £25,000 or 0.35% with regular savings plan. Max £45 per year for shares,  trusts,  ETFs Free £7.50 Free funds £1.50 shares, trusts ETFs £1.50 More details
Hargreaves Lansdown* 0.45% Capped at £45 for shares, trusts, ETFs Free £11.95 £1.50 1% (£1 min, £10 max) More details
Interactive Investor*  £9.99 per month, or £4.99 under £30k holdings,  £12.99 for Sipp £5.99 per month back in free trading credit (does not apply to £4.99 plan) £5.99 £5.99 Free £0.99 More details
iWeb £100 one-off £5 £5 n/a 2%, max £5 More details
 Accounts that have some limits but attractive offers    
Etoro*  No Isa or Sipp Free Investment account offers stocks and ETFs. Beware high risk CFDs in trading account Not available  Free  n/a  n/a  More details 
Freetrade* No investment funds Free for Basic account,  £4.99 per month for Standard with Isa £9.99 for Plus Freetrade Plus with more investments and Sipp is £9.99/month inc. Isa fee No funds  Free  n/a  n/a  More details 
Vanguard  Only Vanguard’s own products 0.15%  Only Vanguard funds Free  Free only Vanguard ETFs  Free  n/a  More details 
(Source: Mar 2023. Admin % charge may be levied monthly or quarterly