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Invest from the same ledger you bank on
Investment Accounts
Funds and listed securities held on the same ledger as the rest of your money. Trades settle from your current account, custody is one capped percentage, and the annual gains report is generated rather than requested.
0.25%
annual custody, capped at 500
Rates & fees
- Custody
- 0.25% p.a., capped at 500
- Fund trade
- Free
- Listed security trade
- 4.95
- FX on trades
- 0.35% spread
- Managed portfolio
- from 0.55% p.a.
What you get
Funds and listings
Build from funds and listed securities in one account, general or tax-wrapped, with the same fee either way.
Monthly investing
From 50 a month on a date you choose. The instruction executes and posts like any other — visibly.
Managed portfolios
A managed allocation from 0.55% per year, rebalanced on a stated rule you can read before you opt in.
Gains, reported
An annual capital gains report generated automatically, with every disposal and its basis itemised.
Who can apply
The headline criteria, stated plainly. Full eligibility is confirmed during the application itself.
You will need
- Aged 18 or over
- An ICB Everyday Current account
- A short appropriateness assessment, completed once
- An understanding that capital is at risk — investments can fall as well as rise
How it goes
Apply online
About ten minutes, from any device. Save part-way and come back whenever you like.
Verify your identity
A photo of your ID and a short liveness check, reviewed within one business day.
Start using it
Your product is opened and ready the moment verification clears — no branch visit.
Questions, answered
Is my money protected like a deposit?
No — and the difference matters. Deposits are protected up to 250,000; investments are not, because their value moves with the market. Your holdings are held separately from the bank’s own assets, so they are yours whatever happens to us.
What does the custody cap mean?
Custody is 0.25% of holdings per year, charged monthly, and stops accruing at 500 a year. Above 200,000 invested, the effective rate falls every month you hold more.
Can I move an existing portfolio in?
Yes. A transfer in keeps your holdings intact where the funds are supported, and the cash portion moves as a single posted transfer. We handle the instruction with your current provider.
Open an account in under ten minutes
Verify your identity, choose your currency, and start moving money the same day.
Get started