General Investment Account

GIA

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).

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.

Compare accounts

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 and EU shares, Themed Funds (ETFs), Auto Invest and Round Ups. *Other fees apply.

Commission-free

Commission-free investing*. See our pricing

Pricing

US, UK and EU shares

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

View Shares

Fractional shares

Invest in fractional shares from £10

See our fees

30+ Themed Funds

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

Learn more

Auto Invest

Invest any amount automatically with Auto Invest

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Round Ups

Easily invest your spare change with Round Ups

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Accounts

Instant GIA

GIA (Standard account)

FEATURES

Fractional shares from £10

Unlimited commission-free trading i

US shares

UK & European shares

Themed Funds (ETFs)

Round Ups

Auto Invest

Instant Investing i

Instant Deposits

Instant Withdrawals

Cashback i

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%

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

Unlimited commission-free trading i

US shares

UK & European shares

Themed Funds (ETFs)

Round Ups

Auto Invest

Instant Investing i

Instant Deposits

Instant Withdrawals

Cashback i

Costs

Subscription fee

FREE

Foreign exchange fee i

0.65%

Features

Fractional shares from £10

Unlimited commission-free trading i

UK & European shares

Themed Funds (ETFs)

Round Ups

Auto Invest

US shares

Instant Investing i

Instant Withdrawals

Costs

Subscription fee

£1 per month

Platform fee

0.10%

Foreign exchange fee i

0.75%

Fund manager fee i

0.07 - 0.75%

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)

Fractional shares 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

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

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 the app