Dealing account

Get investing in our low-cost Dealing account

Open a Dealing account View charges

Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and the rules can change.

Dealing accounts at a glance

A Dealing account is also called a share dealing account or general investment account (GIA). It has no restrictions, letting you invest or withdraw as much as you want, when you want to. And how you invest and manage your account is up to you, too.

FreedomNo limit on how much you can invest or access – useful if you’ve used up ISA or pension allowances.

FlexibilityNo withdrawal restrictions, letting you access your money as and when you need it.

EfficiencyInvest tax-free up to your dividend, personal savings and capital gains tax allowances.

Dealing accounts explained
In a Dealing account, you can pay in and invest as much as you want, when you want. You'll get no tax perks though. So if you want to grow your investments tax-free, a ‘tax wrapper’ account such as a Stocks and shares ISA may be more suitable.

 

No-limits investing

    What are your charges?

    We offer one of the cheapest Dealing accounts on the market. There's no charge to set up or transfer an account to us, and no charge to pay money into the account either.

  • Set up and account management fee – £0

  • Transfer in charges – £0

  • Buy and sell investments for as little as – £1.50

  • Hold your investments in your account for just – 0.25% per year

View our Dealing account charges

Why choose AJ Bell for your online Dealing account?

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Live UK & international pricesDeal at the right time for you

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Invest regularlyGrow your wealth gradually by putting in as little as £25 a month

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Huge investment choice2,000+ funds, shares from 24 international markets, and hundreds of ETFs, investment trusts and more

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Help if you need itLeave the hard work to our investment specialists with our investment ideas and range of AJ Bell funds

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Move with the marketsLog in 24/7 and deal on the go with our mobile app

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Trusted nameWe're the only 5x Which? Recommended Provider, and a multi-award-winning FTSE 250 company

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Which? Recommended Provider for Investment Platforms five years running, 2019–2023

0.25% annual custody charge

Our charges are among the lowest in the market. You can buy investments from £1.50, and it costs just 0.25% a year to hold them with us.

Managing your Dealing account

Mobile app – manage your portfolio anywhere with our iOS and Android apps

Wide choice – pick from a vast variety of investment options, including over 2,000 funds, and shares across 25 markets

Regular investing – grow your Dealing account gradually by putting in as little as £25 a month with our regular investment service

Live UK prices – deal when it's right for you with live pricing

Free investment magazine – all AJ Bell customers enjoy full access to Shares magazine

The AJ Bell app supports a wide range of modern devices

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What can I invest in?

With an AJ Bell Dealing account, how you choose to invest and manage your portfolio is down to you.

If you're in need of inspiration, take a look at our investment ideas, but if you know what you're looking for, you can choose from a wide range of shares, funds, investment trusts, exchange-traded funds (ETFs) and more.

Funds

Choose from more than 2,000 funds, helping you build a diversified portfolio.

Shares

Invest in thousands of companies on UK and international markets.

Investment trusts

Pick from more than 450 investment trusts across a broad range of sectors.

Exchange-traded funds

Choose from a range of ETFs which track your choice of index or benchmark.

Three ways we can help you invest

Favourite funds

A shortlist of standout funds to help you on your way.

Leave it to an expert

Starter portfolios

Pre-built portfolios letting you hit the ground running.

Choose your portfolio

AJ Bell funds

No-hassle investments managed by us, for you.

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Good to know about Dealing accounts

How do I open a Dealing account?

You can open a Dealing account with us and start trading in just ten minutes. To open your account, you’ll need to have your National Insurance number handy. To add money to your account, you’ll just need your debit card.

Do I need a Dealing account?

The advantage of a Dealing account is freedom: you can invest as much as you like, when you like. But because it offers no specific tax perks, most investors use a Stocks and shares ISA as their first port of call. As you can only invest £20,000 a year in an ISA, a Dealing account could be the right home for your money if you want to invest over and above that limit.

Read the differences between a Dealing account and an ISA to see which may be better suited to you.

Can I transfer from a Dealing account to an ISA?

Yes, you can. If you have both a Dealing account and ISA with us, you can transfer cash from one to the other by selecting 'Move cash between accounts' once logged into the platform. However, if you have an online share dealing account (or general investment account) elsewhere, it must be transferred over in the form of cash, rather than its current form of assets. You can open an AJ Bell Stocks and shares ISA, then choose 'Transfers' and 'ISA' to get started.

Invest into an AJ Bell Dealing account today

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Frequently asked questions

Learn more about our Dealing account

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ISA vs Dealing account

Struggling to pick one? Here's a rundown of both

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Overseas markets

Looking to invest in global companies? We can help

New investment tools on mobile
New investment tools

Filter shares, funds, ETFs and investment trusts to find the most suited for your portfolio

We'll help you get investing

For over 25 years, AJ Bell has made investing simple and affordable. We’re a 5x Which? Recommended Provider, with an award-winning range of accounts.

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Can we help?

If you’d like more information about AJ Bell’s accounts and services, get in touch with our friendly customer services team - we’re here to help.