General Investing Account

Flexible, unrestricted access to the markets

A standard investment account with no contribution limits and no tax wrapper. Hold shares, ETFs, funds and more, with full access whenever you need it.

Key features & allowances

No annual contribution limit
No lock-in — withdraw anytime
Capital gains tax-free allowance applies (£3,000/yr)
Dividend allowance £500/yr

Best for

Investors who have maxed out their ISA and pension
Money you may need access to before age 55
Trading individual shares and ETFs freely

Risks & considerations

Gains above the annual allowance are subject to Capital Gains Tax. No government top-ups or tax sheltering on dividends.

Other account types

S&S ISA SIPP CFD Spread Cash ISA LISA

For information only and not personal financial advice. Tax rules refer to the 2026/27 tax year and may change.