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.
EaseStart investing by adding as little as £25 a month to your account through Direct Debit, make a single payment of £250, or transfer over an existing account for free.
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
-
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
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.
Why choose AJ Bell for your online Dealing account?
Live UK & international pricesDeal at the right time for you
Invest regularlyGrow your wealth gradually by putting in as little as £25 a month
Huge investment choice2,000+ funds, shares from 24 international markets, and hundreds of ETFs, investment trusts and more
Help if you need itLeave the hard work to our investment specialists with our investment ideas and range of AJ Bell funds
Move with the marketsLog in 24/7 and deal on the go with our mobile app
Trusted nameWe're a 7x Which? Recommended Provider, and a multi-award-winning FTSE 250 company
Which? Recommended Provider seven years running, 2019–2025
0.25% annual account 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
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
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
Frequently asked questions
Learn more about our Dealing account
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 Which? recommended, seven years running, with an award-winning range of accounts.
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.