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General Investment Account


An Investment Account lets you buy funds, shares and bonds, with no annual limit – so you can invest as little or as much as you’d like.

Whether you’re looking for just a single diversified fund or want to build a wide ranging portfolio of shares, our General Investment Account gives you the freedom to build a portfolio to suit you.

Our General Investment Account gives you access to a wide range of investment opportunities that could help you reach your financial goals.

If the value of your shares increases over time, you can sell some of those shares at a profit. But there is always a risk you could lose money, too. As such, you should never invest money you cannot afford to lose.

Some businesses also pay dividends – a piece of the company’s profit for every share you own, usually distributed twice a year. These are not guaranteed, as some companies might withhold dividends if they cannot afford it.

  • Build on your own diversified portfolio and choose from a wide range of funds, shares and other investments
  • Enjoy transparent fees, with no hidden or confusing charges
  • Invest as much as you like in an Investment Account with us – there’s no annual limit
  • Get the best price offered by our selected Retail Service Providers every time you invest in qualifying investments

Our Services

Terms & Conditions 
Key Features
Costs and Charges

Click here to view our policies and disclaimers prior to opening any type of account with us.

Need Help ?

Please feel free to contact us. You can submit a ticket, try live chat or just call us right now, either way we will get back to you immediately.

+44 (0) 800 048 8485

Apply for an Account

Our General Investment Account is a flexible investment account that enables you to hold further cash and investments outside of an ISA or Pension without limits or limitations.  The Invinitive GIA account will let you pay in lump sums of any size or to start from scratch with a monthly deposit with no minimums.  You can pay in and take out what you want, when you want.

Low Cost

Our super low cost fees are 0.25% on all assets we hold, capped at £400 p.a.  Therefore your annual policy fees will not exceed £400.

Asset Range

Access to an array of global markets covering a vast range of Equities, Exchange Traded Funds, and Mutual Funds / Investment Trusts.

Foreign Currency

Your account will let you exchange almost any currency pair, allowing you to invest in foreign currency assets.


Live Pricing with immediate market access at a fixed cost of £7.95 per transaction, including FX.


Whether an active or a buy and hold trader, our platform has been designed for both professionals and novices.


No paperwork, no scanning and uploading, fully automated for an enhanced client experience.

Our Super Simple Fees



capped at £400 per annum



fixed for all online trades & fx

What is a GIA ?

A GIA, or General Investment Account, is an account which allows you to hold investments outside of tax wrappers, such as ISAs or pensions. Unlike ISAs, there is no limit to how much you can invest in a GIA. They are therefore, ideal for those who have used up their ISA allowance and who have more to invest. There are no restrictions on when you can access money invested in a GIA, although you should generally look to invest for at least five years.

You can invest in a wide range of funds, shares, investment trusts and exchange traded funds (ETFs) and there are no restrictions as to when you can take your money out.

Tax Information

Any dividends received from your GIA investments that exceed your annual, tax-free dividend allowance or available personal allowance will be subject to income tax. The rate of income tax payable on dividend income depends on the overall level of your income. Income tax may be payable whether you choose to receive dividend income or to reinvest it.

Over and above your personal income tax allowance, any interest received from investments held in a GIA may be subject to income tax whether or not interest is automatically reinvested.

If a gain is made as a result of selling, or otherwise disposing of investments within your GIA and the amount of the gain exceeds your available capital gains tax allowance, capital gains tax will be payable.

Please note, we do not give tax advice, the above is public information and should not be relied upon.  Please seek tax advice if you require further information.

What can I buy through my GIA ?

The Invinitive General Investment Account provides you access to over 20 markets.  Through your account you can choose from thousands of assets including:

  • UK, US and European Stocks
  • UK, US and European ETF’s
  • Mutual Funds
  • Forex (spot) – you can hold GBP, EUR and/or USD

You can easily open and start contributing to a General Investment Account today.

The value of your investments and the income from them can go down as well as up, you may get back less than you invest.  Tax treatment depends on individual circumstances and all tax rules may change in the future.  None of the above information should be construed as a personal recommendation or advice.  If you are unsure about the suitability of an investment or pension product you should speak to an authorised independent financial adviser.

Ready to get Started?

Open a new GIA

Open your account through our automated application process and then fund your account with as much as you wish to deploy or set up a Direct Debit to pay one off or regular premiums.

Transfer an Existing Account

If you have an account with another provider you can transfer it to us. Open a GIA account then provide us with the details of your accounts and we will take care of it from there.

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