General Investment Account

Invest outside your ISA allowance with a Wombat Standard or Instant GIA. Capital at risk. Fees apply.
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What is a General Investment Account?

A General Investment Account allows you to make unlimited investments outside of ISA limits associated with a Stocks & Shares ISA.

Capital gains and dividends tax

You will have to pay capital gains and dividends tax on profits above your annual allowances. The 2023/24 allowance for capital gains tax is £6,000, and for dividends tax it’s £1,000.

Tax treatment

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Beginner investor

If you are a beginner investor looking to start off small, then you shouldn’t feel put off as chances are you’ll fall below the profit allowances (unless you get lucky).
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Accounts

At Wombat, we offer two types of General Investment Accounts.

A General Investment Account allows you to make unlimited investments outside of ISA limits associated with a Stocks & Shares ISA.

Themed ETFs

Our Standard GIA allows you to invest in ETFs and shares in US, UK and EU companies. Use Auto Invest and Round Ups to create life-long good money habits.

Instant investing

Our Instant GIA allows you to make instant commission-free (other fees apply) trades on hundreds of US shares with no monthly subscription fees to pay.
Benefits

Why open a General Investment Account with Wombat?

At this time, we offer the following assets and features with our Standard GIA plan; UK, EU and US shares, Themed Funds (ETFs), Auto Invest and Round Ups. *Other fees apply.

Commission-free

Commission-free investing*.

US, UK and EU shares

Diversify with access to US, UK and EU shares.

Fractional shares

Invest in fractional shares from £10

30+ Themed Funds

30+ Themed Funds (ETFs) to match your ambitions.

Auto Invest

Invest any amount automatically with Auto Invest

Round Ups

Easily invest your spare change with Round Ups

Compare Accounts

Instant GIA

GIA (Standard account)

FEATURES

Fractional shares from £10

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Unlimited commission-free trading i

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US shares

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UK & European shares

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Themed Funds (ETFs)

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Round Ups

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Auto Invest

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Instant Investing i

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Instant Deposits

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Instant Withdrawals

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Cashback i

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Costs

Subscription fee

FREE

£1 per month

Platform fee

-

0.10%

Foreign exchange fee i

0.65%

0.75%

Fund manager fee i

-

0.07 - 0.75%

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Remember, when investing your capital is at risk and you may get back less than what you put in. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
Features

Fractional shares from £10

green tick in a circle

Unlimited commission-free trading i

green tick in a circle

US shares

green tick in a circle

UK & European shares

red cross in a circle

Themed Funds (ETFs)

red cross in a circle

Round Ups

red cross in a circle

Auto Invest

red cross in a circle

Instant Investing i

green tick in a circle

Instant Deposits

green tick in a circle

Instant Withdrawals

green tick in a circle

Cashback i

green tick in a circle
Costs

Subscription fee

FREE

Foreign exchange fee i

0.65%

Features

Fractional shares from £10

green tick in a circle

Unlimited commission-free trading i

green tick in a circle

UK & European shares

green tick in a circle

Themed Funds (ETFs)

green tick in a circle

Round Ups

green tick in a circle

Auto Invest

green tick in a circle

US shares

green tick in a circle

Instant Investing i

green tick in a circle

Instant Withdrawals

green tick in a circle
Costs

Subscription fee

£1 per month

Platform fee

0.10%

Foreign exchange fee i

0.75%

Fund manager fee i

0.07 - 0.75%

info icon
Remember, when investing your capital is at risk and you may get back less than what you put in. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
Pricing

Simple and transparent

We’ve got your goals covered today, tomorrow, for life. Where will you start?

Instant GIA

General Investment Account
£0/mth
Learn more
Fractional US shares from £10
Access to over 400+ US shares
Instant trading, top ups and withdrawals. (Within market open hours)
Unlimited commission-free trading
(other fees apply)
No paywalls

ISA

Stocks and Shares ISA
£1/mth
Learn more
Access to US, UK, EU stocks
30+ Exchange-Traded Funds (ETFs)
Invest from £10
Auto Invest & Round ups
Invest up to £20,000 per year with tax-free gains.

GIA

General Investment Account
£1/mth
Learn more
Access to US, UK, EU stocks
30+ Exchange-Traded Funds (ETFs)
Fractional shares from £10
Auto Invest & Round ups
Instant Deposits
info icon
Remember, when investing your capital is at risk and you may get back less than what you put in. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

How to open a General Investment Account

Opening a GIA is easy, whatever plan you choose. You'll need your National Insurance number and a form of ID to get started.

Create your account

Download our app and create your account. Capital at risk
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Choose either Standard or Instant GIA

Create and verify your account and identity.

Explore & Invest

Invest in Themed ETFs and Fractional Shares.
Instant account and standard investing accounts

Your dream portfolio

Invest in leading brands and funds across tech, business, entertainment and sustainability. Remember, when you invest your capital is at risk. See our pricing here

Download and start investing

Build your wealth your way. Capital at risk
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Simplest investing app for beginners