ii review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 28, 2026
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Our verdict
ii suits investors who want tax efficient and family accounts with ISA, SIPP and jisa alongside stocks, ETFs and funds through Mobile app. Stock trades cost £3.99 and the account fee is £71.88, so active traders should balance dealing charges against portfolio growth.
Key facts
- Best for
- Long term investors using ISA and SIPP wrappers
- Minimum deposit
- £0↗
- Stock trade fee
- £3.99↗
- Account fee
- £71.88↗
- Markets
- Stocks, ETFs, Funds, Bonds↗
- Regulators
- Financial Conduct Authority↗
- Investor protection
- FSCS up to GBP 85,000↗
- Currency conversion fee
- 0.75%↗
- Deposit and withdrawal fees
- Free transfers in/out; free next-day withdrawals, GBP15 same-day↗
- Platforms
- Mobile app↗
- Account types
- ISA, SIPP, Jisa, Joint↗
- Interest on cash
- 0.8%↗
- Legal entity
- Interactive Investor Services Limited↗
- Headquarters
- United Kingdom↗
- Support channels
- Phone, Help-centre↗
- Features
- Mobile app
- Pricing model
- Low fees
- Official website
- ii.co.uk
Facts checked September 28, 2026, 4 sources
Apps and profiles
Pros and cons
Pros
- Begin with £0 and invest across stocks, ETFs and funds without funding pressure
- Hold ISA, SIPP and family accounts through ISA, SIPP and jisa in a single provider
- Cover of FSCS up to GBP 85,000 under Financial Conduct Authority for added assurance
Cons
- Account fee of £71.88 applies whether you trade or leave holdings untouched
- Stock trades cost £3.99 versus $0 at ActivTrades
- Foreign trades carry conversion costs of 0.75% on top of dealing charges
Ready to try ii?
Scored 8.6 / 10 by SumCue.
Who it suits
- Investors building ISA and SIPP holdings with junior and joint accounts included
- Buy and hold investors focused on shares, funds and bonds with mobile access
Who should look elsewhere
- Traders sensitive to per order costs may prefer ActivTrades where stock trade fee is $0 rather than £3.99
- Investors comparing entry levels may consider XTB with minimum deposit of €0 or eToro with minimum deposit of $50
How ii compares
8.6 vs 9.4
8.6 vs 8.7
8.6 vs 8.3
8.6 vs 8.5
8.6 vs 9.4Active traders focused on dealing costs may look at ActivTrades where stock trade fee is $0 compared with £3.99 at ii.
8.6 vs 9.3New investors comparing entry requirements can look at XTB with minimum deposit of €0 alongside £0 at ii.
8.6 vs 8.7
8.6 vs 9.2Investors comparing starter balances can look at eToro with minimum deposit of $50 alongside £0 at ii.
8.6 vs 8.7
8.6 vs 8.6
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.0
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.1
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.8
Where ii is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority, checked September 28, 2026
Countries from the brand (Source, checked September 28, 2026)
Frequently asked questions
What does ii charge for share dealing and account holding?+
Stock trades cost £3.99 and the account fee is £71.88. The account fee covers holding of investments across wrappers and applies on top of dealing charges. Check how often you expect to trade before judging value against infrequent use.
Is ii regulated and is money protected?+
ii is provided by Interactive Investor Services Limited and regulated by Financial Conduct Authority. Client cover is FSCS up to GBP 85,000. Protection applies within scheme limits and does not remove market risk, so holdings can still fall in value.
How do deposits and withdrawals work at ii?+
Minimum deposit is £0, so you can open without funding pressure. Transfers in and out carry no charge and next day withdrawals carry no charge, while same day withdrawals carry a stated fee. Timings vary by bank and method.
What platforms and support does ii offer?+
Access is through Mobile app with mobile app for trading on the move. Support runs on phone and help centre for account help and queries. The range suits investors who prefer mobile management backed by phone help.
Which account types can you hold with ii?+
ii offers ISA, SIPP and jisa covering ISA and SIPP needs plus junior and joint options. That range suits family saving and retirement planning in a single provider. Eligibility and tax treatment depend on residence and personal circumstances.
What can you invest in with ii?+
You can hold stocks, ETFs and funds spanning shares, exchange traded products, funds and debt. Cash balances earn 0.8% and overseas trades incur 0.75%. The mix suits diversified buy and hold portfolios rather than narrow speculation.
Sources
- ii.co.uk checked September 28, 2026
Backs: Features, Investor protection, Legal entity, Markets, Minimum deposit, Platforms, Regulators, Licences
“Mobile trading app”
- ii.co.uk/contact-us checked September 28, 2026
Backs: Headquarters, Support channels
“4th Floor, 3 South Brook Street, Leeds LS10 1FT”
- ii.co.uk/investing-with-ii/cash-interest-rates checked September 28, 2026
Backs: Interest on cash
“Trading accounts GBP On the first GBP20,000 0.80 Gross”
- ii.co.uk/our-charges checked September 28, 2026
Backs: Account fee, Account types, Deposit and withdrawal fees, Currency conversion fee, Pricing model, Stock trade fee
“Core - GBP5.99 per month on ii charges”
Compiled from 4 source pages, checked September 28, 2026. We did not open an account.
Not confirmed yet: Inactivity fee, Retail accounts that lose money.