InvestEngine review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
InvestEngine suits UK beginners who want a small, set-and-forget ETF pot with nothing charged for holding or trading. The account fee is £0, the minimum deposit is £100 and the only recurring charge is a management fee of 0.25%. The trade-off is that you hold ETFs and nothing else.
Key facts
- Best for
- A beginner who wants a small, low-cost ETF habit inside an ISA or SIPP.
- Minimum deposit
- £100↗
- Stock trade fee
- £0
- Account fee
- £0↗
- Markets
- ETFs
- Regulators
- Financial Conduct Authority (FCA)↗
- Investor protection
- FSCS up to GBP 85,000↗
- Deposit and withdrawal fees
- Free↗
- Platforms
- Web, iOS, Android↗
- Account types
- ISA, SIPP, Corporate↗
- Interest on cash
- 0%↗
- Legal entity
- InvestEngine (UK) Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 2019↗
- Support channels
- Email, Help-centre↗
- Features
- Fractional shares, Mobile app
- Pricing model
- Commission-free
- Audience
- Beginners
- Official website
- investengine.com
Robo-advisors
Facts checked September 26, 2026, 9 sources
Pros and cons
Pros
- No account fee at £0 and no stock trade fee at £0
- Fractional shares and a mobile app let you invest small amounts regularly
- Choose from ISA, SIPP and corporate accounts
- Regulated by the Financial Conduct Authority with investor protection of FSCS up to GBP 85,000
Cons
- A management fee of 0.25% still applies, unlike a free commission-free brokerage
- Markets are limited to ETFs, so individual shares are not an option
- Support runs on email and help centre only, with no phone line
Who it suits
- Beginners who want to start small and add to the same pot each month
- Savers putting money into an ISA or SIPP for the long term
- Anyone who would rather hold a diversified basket than pick single shares
Who should look elsewhere
- Traders who want to buy and sell individual shares
- Anyone who wants to speak to support by phone, since support runs on email and help centre only
How it compares on our data
On account fee, InvestEngine ranks 1 of 142 brands, and on stock trade fee it ranks 1 of 166. The minimum deposit is where it slips: 174 out of 218 brands, since £100 is more than many rivals ask. The trade-off is clear: nothing for holding or trading, a higher floor for getting started.
The company behind it
InvestEngine is run by InvestEngine (UK) Limited, based in the United Kingdom and founded in 2019. It is authorised by the Financial Conduct Authority, reference 801128. Investors hold FSCS up to GBP 85,000 in protection. Support runs on email and help centre.
How InvestEngine compares
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8.7 vs 8.7
InvestEngine vs eToro8.7 vs 9.2
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8.7 vs 9.0
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Where InvestEngine is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (FCA) (801128), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold an InvestEngine account?+
The account fee is £0 and the stock trade fee is £0, so there is nothing charged for keeping the account open or for dealing. The one recurring cost is a management fee of 0.25% on the money you hold. Deposits and withdrawals are free.
What is the smallest amount I can invest?+
The minimum deposit is £100, and the smallest investment the platform advertises is £1. Fractional shares are supported, so you can hold a slice of a fund rather than a whole unit. That keeps the starting point low even though the opening deposit is set higher than at many rivals.
Is my money protected?+
InvestEngine is authorised by the Financial Conduct Authority, reference 801128. Investor protection stands at FSCS up to GBP 85,000. The accounts are run by InvestEngine (UK) Limited, so the money sits with a regulated UK firm rather than outside the system.
Can I open an ISA or a SIPP?+
Yes. Available account types are ISA, SIPP and corporate accounts, so you can hold your investments inside a tax wrapper or a pension. The ETF portfolios sit inside those accounts, and the account fee of £0 applies across them.
What can I actually buy?+
Markets are limited to ETFs, and portfolio types are ETF as well, so the choice is broad funds rather than single companies. If you want to pick individual shares, this is not the place. Fractional shares mean you can hold a slice of a fund with a small amount.
How do I get in touch if something goes wrong?+
Support runs on email and help centre, which means email and a help centre rather than a phone line. That suits people who are happy writing a message and reading the answer. If you want to speak to someone, look elsewhere. The platform runs on Web, iOS and Android, so you can also start from the app.
Is this a beginner's platform?+
The audience is beginners, and the pitch matches: fractional shares, a mobile app, and no account fee at £0. Set-and-forget ETF portfolios suit people who do not want to follow the market. If you already trade individual shares, the limited market list will feel narrow.
How much risk am I taking?+
Any investment can fall as well as rise, and across retail investment accounts a median of 70.15% lose money. The protection of FSCS up to GBP 85,000 covers failure of the firm, not a falling market. That is the trade-off readers weigh before starting.
Sources
- blog.investengine.com/the-uks-most-asked-questions-about-... checked September 26, 2026
Backs: Founded, Headquarters
“We launched in 2019, and are dedicated to providing low-cost ETF investing”
- help.investengine.com/hc/en-gb/articles/31146818431261-Is... checked September 26, 2026
Backs: Minimum deposit
“GBP100 minimum to open a portfolio (GIA, ISA, SIPP, or Business Account)”
- investengine.com checked September 26, 2026
Backs: Account types, Audience, Platforms
“ISA, pension, or business account - all with zero platform fees”
- investengine.com/about checked September 26, 2026
Backs: Portfolio types
“We also offer the platform for buying and selling ETFs”
- investengine.com/accounts checked September 26, 2026
Backs: Deposit and withdrawal fees
“Withdraw anytime with no fees - General Investment Account”
- investengine.com/affiliate-welcome checked September 26, 2026
Backs: Minimum investment
“Fractional investing lets you put as little as GBP 1 in any ETF”
- investengine.com/costs checked September 26, 2026
Backs: Account fee, Interest on cash, Management fee
“ISA (Individual Savings Account) Zero ISA fee - DIY portfolio in main retail account”
- investengine.com/terms-upcoming checked September 26, 2026
Backs: Legal entity
“references to we, us or our are to InvestEngine (UK) Limited”
- investengine.com/terms checked September 26, 2026
Backs: Investor protection, Regulators, Support channels, Licences
“contact us by email at support@investengine.com”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Inactivity fee, Retail accounts that lose money.
InvestEngine
A beginner who wants a small, low-cost ETF habit inside an ISA or SIPP.