Independent · fee-focused
Best Stocks & Shares ISA Apps in 2026
A Stocks and Shares ISA shelters your gains and dividends from tax — but ISA fees vary wildly, from completely free apps to platforms charging both a wrapper fee and dealing commissions. We ranked UK apps that offer an ISA on total cost and usability. Here is our top pick, followed by the full ranking.
Best overall: Trading 212
Trading 212 is our top pick for this category: best for low fees and uk investors.
Get started with Trading 212Capital at risk. This is not financial advice. Investing involves risk of loss.
The ranked list
1. Trading 212
4.4/5Trading 212 offers genuinely commission-free investing with no withdrawal fee and an Invest/ISA account for UK users. A strong low-cost pick, though product depth is narrower than full-service brokers.
Read the full Trading 212 review →Visit Trading 212Trading 212
Best for low fees and UK investors
Capital at risk. This is not financial advice. Investing involves risk of loss.
2. InvestEngine
4.4/5InvestEngine is a UK ETF-only investment platform with no platform fee, no dealing commission and no FX fee on its DIY portfolios, across ISA, SIPP and General accounts. All ETFs are GBP-denominated, so you pay only the underlying ETF's ongoing charge. ETFs only — no individual stocks.
Read the full InvestEngine review →Visit InvestEngineInvestEngine
Best for zero-fee DIY ETF investing with a free ISA and SIPP
Capital at risk. This is not financial advice. Investing involves risk of loss.
3. Freetrade
4.3/5Freetrade is a UK mobile-first investing app offering commission-free trading on stocks, ETFs and investment trusts, with a genuinely free Stocks & Shares ISA and SIPP on its Basic plan. The main cost for most users is the FX fee on non-GBP trades: 0.99% on the free plan, dropping to 0.59% (Standard, £5.99/mo) and 0.39% (Plus, £11.99/mo).
Read the full Freetrade review →Visit FreetradeFreetrade
Best free ISA and SIPP for commission-free UK investing
Capital at risk. This is not financial advice. Investing involves risk of loss.
Compare side by side
| Feature | Trading 212 | InvestEngine | Freetrade |
|---|---|---|---|
| Rating | 4.4 / 5 | 4.4 / 5 | 4.3 / 5 |
| Stock commission | 0% | £0 dealing commission on all ETFs (DIY portfolios); no platform fee | £0 commission on all UK & US stocks, ETFs and investment trusts (all plans) |
| Withdrawal fee | Free | Free — no withdrawal fee | Free standard withdrawals; £5 for same-day withdrawal |
| Inactivity fee | None | None | None |
| Min deposit | $1 | $100 | $0 |
| Fractional shares | Yes | Yes | Yes |
| Demo account | Yes | No | No |
| Regulators | FCA, CySEC | FCA | FCA |
How to choose
First, prefer a free ISA wrapper — several good apps now charge nothing for it. Then look at the costs inside the wrapper: dealing commissions, FX fees on US shares, and fund ongoing charges. Check whether the ISA is flexible (withdraw and replace within the same tax year). Tax treatment depends on your individual circumstances and ISA rules can change.
How we rank
Rankings are based on published fees, regulatory standing, available features, and the real cost of common actions (trading, withdrawing, currency conversion). We do not accept payment for placement; affiliate relationships do not influence the order.
Frequently Asked Questions
What is the best option for best stocks & shares isa apps?
Trading 212 is our top pick — best for low fees and uk investors. The best choice still depends on your priorities around fees and features.
Do these rankings change?
Yes. Fees and features change, so we update this page regularly. Check the published date for the latest revision.