Best Brokers With Individual Savings Accounts (ISAs) 2025
Discover our top brokers offering Stocks and Shares Individual Savings Accounts, or ISAs, selected after rigorous testing for their tax-efficient investment options.
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1Interactive Brokers (IBKR) is a top brokerage firm offering access to 150 markets in 33 countries and a range of investment services. With 40 years in the field, this company listed on Nasdaq strictly follows the rules set by authorities such as the SEC, FCA, CIRO, and SFC. It's recognized as one of the most reliable brokers for global trading.
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2OANDA is a well-known company that excels in quick trade executions, low deposit necessities, and impressive charting and trading platform functions. The highly-regarded brand has over 25 years of expertise and is overseen by reliable authorities like the NFA/CFTC. It provides 24/7 support for traders and offers flexible contract sizes with automated trade executions.
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3Established in 1989, CMC Markets is a reputable brokerage firm authorized by various top regulators such as the FCA, ASIC and CIRO, and is listed on the London Stock Exchange. They boast a global client base of over 1 million traders and have received numerous awards.
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4Founded in 2002 in Poland, XTB now serves over 1 million clients. This forex and CFD broker offers a regulated trading environment with a wide range of assets and a commitment to trader satisfaction, featuring an intuitive in-house platform with excellent tools for aspiring traders.
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5Saxo Markets is a renowned trading brokerage, investment firm and bank. It offers over 72,000 trading instruments, investment products, and managed portfolios, ensuring ample opportunities for clients. It operates under the regulation of more than ten agencies including FINMA, FCA & ASIC, thus providing the best protection. The firm is well-known for its transparent pricing.
Best Brokers For ISAs Comparison
| Broker |  |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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✓ | ✓ | $0 | $100 | 1:50 | ✗ | FCA, SEC, FINRA, CFTC, CBI, CIRO, SFC, MAS, MNB, FINMA, AFM | Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, CFDs, Cryptocurrencies | Trader Workstation (TWS), IBKR Desktop, GlobalTrader, Mobile, Client Portal, AlgoTrader, OmniTrader, TradingView, eSignal, TradingCentral, ProRealTime, Quantower | USD, EUR, GBP, CAD, AUD, INR, JPY, SEK, NOK, DKK, CHF, AED, HUF | Capitalise.ai & TWS API | ✓ | ✗ | |
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✓ | ✓ | $0 | 0.01 Lots | 1:50 | ✗ | NFA, CFTC | Forex, Crypto with Paxos (Cryptocurrencies are offered through Paxos. Paxos is a separate legal entity from OANDA) | OANDA Trade, MT4, TradingView, AutoChartist | USD, EUR, GBP, CAD, AUD, JPY, CHF, HKD, SGD | Expert Advisors (EAs) on MetaTrader | ✗ | ✓ | |
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✓ | ✓ | $0 | 0.01 Lots | 1:30 (Retail), 1:500 (Pro) | ✗ | FCA, ASIC, MAS, CIRO, BaFin, FMA, DFSA | CFDs, Forex, Stocks, Indices, Commodities, ETFs, Treasuries, Custom Indices, Spread Betting | Web, MT4, TradingView | USD, EUR, GBP, CAD, AUD, NZD, SEK, NOK, SGD, PLN | Expert Advisors (EAs) on MetaTrader | ✗ | ✓ | |
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✓ | ✓ | $0 | 0.01 Lots | 1:30 (EU) 1:500 (Global) | ✗ | FCA, CySEC, KNF, DFSA, FSC, SCA, Bappebti | CFDs on shares, Indices, ETFs, Raw Materials, Forex currencies, cryptocurrencies, Real shares, Real ETFs | xStation | USD, EUR, PLN | Open API | ✗ | ✓ | |
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✓ | ✓ | ✗ | Vary by asset | 1:30 | ✗ | DFSA, MAS, FCA, SFC, FINMA, AMF, CONSOB | Forex, CFDs, indices, shares, commodities, cryptocurrencies, futures, options, warrants, bonds, ETFs | TradingView, ProRealTime | USD, EUR, GBP, CAD, AUD, JPY, SEK, DKK, CHF | ✗ | ✗ | ✗ | |
| Broker | |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
Safety Comparison
Compare how safe the Best Brokers With Individual Savings Accounts (ISAs) 2025 are.
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
|---|---|---|---|---|
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✗ | ✓ | ✓ | |
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✓ | ✗ | ✗ | |
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✓ | ✓ | ✓ | |
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✓ | ✓ | ✓ | |
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✗ | ✗ | ✓ | |
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
Mobile Trading Comparison
Compare the mobile trading features of the Best Brokers With Individual Savings Accounts (ISAs) 2025.
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
|---|---|---|---|---|
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iOS & Android | ✓ | ||
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iOS & Android | ✗ | ||
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iOS & Android | ✗ | ||
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iOS & Android | ✓ | ||
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SaxoTraderGo (iOS, Android, Windows) | ✗ | ||
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
Comparison for Beginners
Compare how suitable the Best Brokers With Individual Savings Accounts (ISAs) 2025 are for beginners.
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
|---|---|---|---|---|---|---|---|
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✓ | $0 | $100 | ✓ | ✗ | ||
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✓ | $0 | 0.01 Lots | ✗ | ✗ | ||
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✓ | $0 | 0.01 Lots | ✗ | ✓ | ||
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✓ | $0 | 0.01 Lots | ✓ | ✗ | ||
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✓ | ✗ | Vary by asset | ✗ | ✗ | ||
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
Comparison for Advanced Traders
Compare how suitable the Best Brokers With Individual Savings Accounts (ISAs) 2025 are for advanced or professional traders.
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
|---|---|---|---|---|---|---|---|---|
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Capitalise.ai & TWS API | ✗ | ✗ | ✓ | ✗ | 1:50 | ✓ | ✓ |
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Expert Advisors (EAs) on MetaTrader | ✗ | ✗ | ✗ | ✗ | 1:50 | ✓ | ✗ |
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Expert Advisors (EAs) on MetaTrader | ✓ | ✗ | ✗ | ✓ | 1:30 (Retail), 1:500 (Pro) | ✓ | ✓ |
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Open API | ✗ | ✗ | ✗ | ✓ | 1:30 (EU) 1:500 (Global) | ✓ | ✗ |
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✗ | ✗ | ✗ | ✗ | ✗ | 1:30 | ✗ | ✓ |
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
Accounts Comparison
Compare the trading accounts offered by Best Brokers With Individual Savings Accounts (ISAs) 2025.
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
|---|---|---|---|---|---|---|---|---|---|
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✓ | USD: 4.8%, GBP: 4.7% | ✗ | ✓ | ✓ | ✗ | ✓ | ✗ | ✗ |
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✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
|
✓ | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
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✓ | USD: 2%, GBP: 4.5%, EUR: 1.25% | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
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✓ | USD: 4%, GBP: 3.9%, EUR: 2.6% | ✓ | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
Detailed Rating Comparison
Compare how we rated the Best Brokers With Individual Savings Accounts (ISAs) 2025 in key areas.
| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
|---|---|---|---|---|---|---|---|---|---|
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| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
Fee and Cost Comparison
Compare the cost of trading with the Best Brokers With Individual Savings Accounts (ISAs) 2025.
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
|---|---|---|---|---|---|---|
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✗ | $0 | 0.003 | 0.08-0.20 bps x trade value | 0.12%-0.18% | |
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✗ | $0 | ✗ | 1.6 | $100 | |
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✗ | $10 | 0.02 | 0.7 | From 1.3 | |
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✗ | $0 | 0.2% | 1.0 | 0.22% | |
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✗ | ✗ | 0.10% (subject to min commission) | 0.2 (varies by region) | Variable | |
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
Broker Popularity
See how popular the Best Brokers With Individual Savings Accounts (ISAs) 2025 are in terms of number of clients.
| Broker | Popularity |
|---|---|
| Interactive Brokers |
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| XTB |
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| Saxo Bank |
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| CMC Markets |
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Why Trade With Interactive Brokers?
Interactive Brokers is ideal for seasoned traders due to its robust charting platforms, updated data, and adaptability, especially with the IBKR Desktop application. Its exceptional pricing and advanced order features appeal to traders, and its variety of stocks remains unmatched in the market.
Pros
- IBKR is a highly regarded brokerage, regulated by prime authorities. This ensures the safety and reliability of your trading account.
- Interactive Brokers was named Best US Broker for 2025 by DayTrading.com for its dedication to US traders, ultra-low margin rates, and affordable global market access.
- The new IBKR Desktop platform combines the advantages of TWS and adds unique tools like Option Lattice and Screeners with MultiSort to make trading accessible and impressive for traders of all levels.
Cons
- Only one active session per account is allowed, which means you can't run the desktop version and mobile app at the same time. This can sometimes lead to a frustrating trading experience.
- TWS's platform may be difficult for beginners to grasp because of its complexity. Plus500's web platform, on the other hand, is more appropriate for those new to trading.
- Customer service may take time to respond, and there may be delays in fixing problems based on tests. It could be difficult to reach the customer service promptly.
Why Trade With OANDA US?
OANDA is a reputable broker for US traders. It offers user-friendly tools for analysis and a simple sign-up process. It is very trustworthy due to heavy regulation.
Pros
- OANDA is a credible and safe trading brand, approved by top regulators such as the CFTC.
- Traders can experience quick and dependable order execution.
- You can start trading as a beginner with no minimum initial deposit required.
Cons
- Customer support is not accessible during weekends.
- The trading markets are limited to only forex and cryptocurrencies.
- Few payment options are available and e-wallets are not supported.
Why Trade With CMC Markets?
CMC Markets offers a great online platform for traders. It has advanced charting tools and a wide variety of CFDs to trade, including a large selection of currencies and customized indices. It caters to traders at all levels.
Pros
- The CMC web platform offers an excellent user experience, featuring advanced charting tools and customizable options for trading. It suits both beginners and experienced traders. It supports MT4 and will add TradingView in 2025.
- We upgraded its 'Assets & Markets' rating due to frequent product additions in early 2025, including extended hours trading on US stocks and new share CFDs.
- CMC Markets is strictly overseen by respected finance entities, helping to ensure safe and reliable trading. Its excellent reputation ensures a secure trading environment.
Cons
- CMC provides a commendable range of assets, but lacks support for actual stock trading and UK customers are unable to trade cryptocurrencies.
- The CMC Markets app provides full trading services, but its design and user experience are not as good as leading competitors such as eToro.
- While the web platform has improved, it still needs more enhancements to be as user-friendly for trading as competitor software such as IG.
Why Trade With XTB?
XTB is a leading choice for new traders due to its exceptional xStation platform, no commission costs, no mandatory deposit, and high-quality educational resources, most of which are smoothly incorporated into the platform.
Pros
- Signing up for an XTB account is simple and entirely digital, taking only a short while. This enables a seamless transition into trading for new traders.
- XTB increased its interest rate on uninvested funds and introduced zero-fee ISAs for UK clients, offering 3,000 stocks and 700 ETFs for varied trading options.
- Great customer support 24/5, including a live chat service. During tests, responses were typically provided in less than two minutes.
Cons
- The inability to modify the default leverage on XTB products is disappointing. Manual adjustment can greatly reduce trading risks, especially in forex and CFD trading.
- The demo account ends in four weeks. This is a limit for traders wanting to fully explore the xStation platform and try out strategies before using actual money.
- Trading costs are fair with typical spreads of around 1 pip on the EUR/USD. However, they're not as low as those offered by the least expensive brokers, like IC Markets. Also, an inactivity fee applies after one year.
Why Trade With Saxo Bank?
Saxo is ideal for frequent traders and large-scale investors due to its extraordinary range of tools, high-quality market research, and fee discounts. Moreover, its offering of 190 currency pairs with narrow spreads makes it suitable for forex traders.
Pros
- You can use thorough analysis tools like TradingView and Updata for trading.
- High-quality learning materials like podcasts, webinars, and expert videos are available for traders.
- Premium account levels offer lower trading fees.
Cons
- To view Level 2 pricing, a subscription is necessary.
- The trading accounts require substantial funding.
- Do not accept clients from certain regions, specifically the US and Belgium, for trading activities.
Filters
How We Chose the Best ISA Brokers
To determine the best brokers for ISAs, we used a data-driven approach that combines comprehensive analysis and hands-on testing:
- 200+ Metrics Assessed – We evaluated each provider based on key factors such as ISA availability, fees, platforms, customer service, and regulatory standing.
- Hands-On Testing – Our British testers, several of whom have ISAs themselves, conducted real-world assessments of each platform to gauge ease of use, reliability, and overall experience.
What to Consider When Searching for A Top Stocks and Shares ISA Provider
We’ve done the digging and know not all ISA providers offer the same quality of service. Here are the key things to think about when selecting a product provider:
Regulatory Status
The first thing to check is that the broker you’re considering is licensed to trade by the Financial Conduct Authority (FCA). To offer an ISA, a company must be approved by the UK regulator as well as HM Revenue & Customs (HMRC).
Pro tip: Check a broker’s regulatory status on the FCA’s online Financial Services Register.
Rapid growth in financial services fraud makes checks like this essential. But as well as protecting one’s money and valuable financial data, it can also help individuals avoid businesses with poor business practices.
For example, CMC Markets continues to earn its status as one of our most trusted ISA providers with authorization from the FCA and a listing on the London Stock Exchange, ensuring financial transparency.
Product Range
Stocks and Shares ISAs allow individuals to trade across four major asset classes: equities, trusts, funds and bonds. But the range of financial securities a broker offers within these categories can vary significantly.
For example, interactive investor offers one of the widest product selections out there. Traders can buy and sell thousands of shares listed in 17 international locations, for instance, while its catalogue of 3,000-plus funds is one of the largest on the market.
interactive investor has a user-friendly platform for managing ISA investments
Type of Stocks & Shares ISA
The number of banks, building societies, brokerages and other financial institutions offering these tax-efficient products is vast.
However, the range of those offering the more versatile Flexible Stocks and Shares ISA is much more limited.
If you’re thinking about making regular withdrawals, you should seriously consider opening a flexible product.
For example, IG is one of the top companies offering these niche accounts.
Fees
These can differ substantially across brokers, so investors should check charge tables carefully.
Many providers offer reduced commissions for frequent traders or those with high account balances. So estimate how many trades you expect to make each month – along with your portfolio size – when thinking about provider fees.
With management fees, some providers charge these as a percentage of an individual’s portfolio, while others take payment in the form of a flat fee. Most brokers nowadays don’t charge account setup or withdrawal fees, but investors should be on guard for such costs.
For example, Saxo is lower-cost than other major players in the market like Hargreaves Lansdown, with Saxo charging 0.12% per year for stocks, ETFs, and bonds in its Classic account.
Trading Platform and Tools
It’s important to consider how user friendly the trading interface is, especially if you’re planning to spend a large period of time placing trades.
Think about ease of navigation, execution speeds, platform tools (like advanced charting) and the general attractiveness of the trading software.
Also consider the type of educational resources and other trading material the financial services provider gives to its customers.
For example, interactive investor operates the ‘ii Community,’ an excellent social network for traders to interact on.
Rewards
The ultra-competitive ISA market means providers are falling over themselves to offer incentives to encourage investors to open an account or switch from another company.
As with current accounts, switching rewards are commonplace. These can often be tiered according to the size of one’s portfolio.
Other rewards include brokers who offer high interest rates on cash. For example, XTB has some of the highest interest rates in the market during our latest tests.
FAQ
What Is a Stocks and Shares ISA?
Introduced in 1999, the ISA suite of products seeks to encourage people to save and invest for the future. The most popular are the Cash ISA and the Stocks and Shares ISA.
Individuals can invest up to £20,000 in these two products in any one tax period. This can be deposited in one type of account or spread across various. For instance, an individual can put £10,000 in a Stocks and Shares ISA and £10,000 in a Cash ISA in a tax year.
Despite its name, the Stocks and Shares ISA doesn’t restrict holders to simply investing in equities. Users can also invest in the bond markets, trade investment trusts, and buy and sell funds (including exchange-traded funds (ETFs)).
Individuals can also purchase these assets in a Lifetime ISA. With these products, investors also receive a £1 government top-up for every £4 they deposit.
However, only individuals under the age of 40 can open a Lifetime ISA, and deposits (up to a maximum of £4,000 per tax year) can only be made up to the age of 50.
Strict withdrawal rules also make these products largely unsuitable for conventional trading. These include slapping a 25% penalty on those pulling money out before they reach 60 years old.
With a standard ISA, any withdrawals that savers and investors make are not returned to their annual allowance for the tax year. Individuals can get around this problem by opening a Flexible ISA, which allows withdrawals to be replaced within the same tax year without affecting the annual ISA allowance.
What Are the Pros of an ISA?
Trading financial securities in an ISA instead of with a General Investment Account (GIA) can have significant advantages:
- Protection from Capital Gains Tax (CGT) and Dividend Tax.
- Returns don’t need to be reported to HM Revenue and Customs (HMRC), making the tax assessment process simpler.
- Investors have a wide range of providers to choose from.
What Are the Cons of an ISA?
There are drawbacks to using one of these tax-efficient products, including:
- Restrictions on annual deposits and withdrawals (in the case of the Lifetime ISA).
- Some asset classes are off-limits, like cryptocurrency and forex.
- ISAs are only available to UK residents.
Article Sources
Individual Savings Accounts (ISAs) – GOV.UK
Financial Services Register – Financial Conduct Authority (FCA)