General Investment Account
Invest outside your ISA allowance with a Wombat Standard or Instant GIA. Capital at risk. Fees apply.
GIA
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 2024/25 allowance for capital gains tax is £3,000, and for dividends tax it’s £500.
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).
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
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)
(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
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.
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
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Build your wealth your way. Capital at risk