Invest Wise accounts

Aged 18 - 25? Get started for free with our Invest Wise accounts.

 

Benefits

  • No admin fee (until you’re 26). 
  • Free regular investing through our scheduled investment service.
  • Smart tools to help you invest.
  • All in one dedicated app.

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.
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Research your investments:

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Get going:

  • Free regular investing
  • Deal now for £11 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.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. Invested money, historically, has earned a higher level of return than savings but nothing is guaranteed.

Risk explained

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.

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, 504Kb)

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 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 £20 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

FSCS protected logo

Financial Services Compensation Scheme

Eligible deposits held with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.  

Visit our FSCS page

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