General Investment Account

Invest outside your ISA allowance with a Wombat Standard or Instant GIA. Capital at risk. Fees apply. Learn more about General Investment account tax.

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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.

You will have to pay capital gains and dividends tax on profits above your annual allowances. The 2022/23 allowance for capital gains tax is £12,300, and for dividends tax it’s £2,000.

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

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).

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.

Explore funds

De-stress investing

Take a load off with Auto Invest, or invest your spare change with Round Ups. Capital at risk.

Remember when investing your capital is at risk.

Why open a General Investment Account with Wombat?

*Other fees apply.

Round Ups

Easily invest your spare change with Round Ups

Fractional shares

Invest in fractional shares from £10

20+ Themed Funds

20+ Themed Funds (ETFs) to match your ambitions. View ETFs list.

Commission-free

Commission-free investing*. See our pricing here

US, UK and EU shares

Diversify with access to US, UK and EU shares. View shares list

Auto Invest

Invest any amount automatically with Auto Invest

Choose your perfect plan

Take a look at what our Standard and Instant GIAs have to offer

Features
Standard GIA
Instant GIA
Fractional shares from £10
Unlimited commission-free trading*
US shares
UK & European shares
Themed Funds (ETFs)
Round Ups
Auto Invest
Instant Investing*
Instant Deposits
Instant Withdrawals
Cashback*
Costs
Subscription fee
£1 per month
FREE
Platform fee
0.10%
-
Foreign exchange fee*
0.75%
0.65%
Fund manager fee*
0.07-0.75%
-

A word about risk

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

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

Instant ISA

£0/month

Account:

General Investment Account

What you get:

  • Fractional US shares from £10
    Access to over 300 US shares
    Instant trading, top ups and withdrawals. Within market open hours.
    Unlimited commission-free trading
    No paywalls

Fees:

  • 0.65% FX fee
See pricing

Standard ISA

£1/month

Account:

Stocks and Shares ISA

What you get:

  • Selection of US, UK, EU stocks
    Fraction shares from £10
    20+ Exchange-Traded Funds (ETFs)
    Auto Invest
    Round Ups
    Once a day buy/sell orders
    Invest up to £20,000 per year with tax-free gains.

Fees:

  • 0.10% annual platform fee
  • 0.75% FX fees on foreign shares
  • 0.07-0.75% annual fund manager fee (ETFs/Funds only)
See pricing

Standard GIA

£1/month

Account:

General Investment Account

What you get:

  • Selection of US, UK, EU stocks
    Fraction shares from £10
  • 20+ Exchange-Traded Funds (ETFs)
  • Auto Invest
  • Round Ups
    Once a day buy/sell orders

Fees:

  • 0.10% annual platform fee
  • 0.75% FX fees on foreign shares
  • 0.07-0.75% annual fund manager fee (ETFs/Funds only)
See pricing

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.

Choose your plan and select either the Standard GIA or Instant GIA account

Create a GIA account and verify your identity

Link your bank and add money

Invest

Who will you choose?

Invest in leading brands and funds across tech, business, entertainment and sustainability.

Remember, when you invest your capital is at risk.

Download and start investing

Build your wealth your way. Capital at risk

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