What is an investment account?
An investment account (sometimes called a General Investment Account) is a great way of investing when you have used your ISA allowance.
You can invest your money into ready-made investments or decide to choose what you want to invest in.
How can an investment account benefit me?
Ideal if you've used your £20,000 ISA allowance for the tax year
- Start with as little as £20 a month or a £100 single amount
- Invest as much or as little as you like. All returns in an investment account are subject to tax.
- Relax knowing you have full access to your money.
How much can you pay into an investment account?
There's no max on how much you can put in each year. But they don't have the same tax-efficient benefits (sometimes known as a tax wrapper) as a Stocks and Shares ISA. So you may pay tax on any returns you make.
You can open an Investment account if:
- you’re 18 or over
- you’re a UK resident for tax purpose.
Santander Investment Hub lets you buy, sell and manage your investments funds easily
Our Investment Hub gives you a clear way to view and manage your money when investing.
Join the Investment Hub, with no commitment to add any money or invest until you’re ready. Once in the hub you can choose to open an Investment Account or Stocks and Shares ISA and decide how much to invest.
Welcome to the Investment Hub
Whether you've never invested before or are confident to invest without advice, the Santander Investment Hub puts you in control.
The Investment Hub is a convenient and secure way for you to manage your investments online, in one place.
With hundreds of investment funds from across the market, as well as a range of Santander funds to choose from, it allows you to select the funds to help you best achieve your personal investment goals.
Want to know more?
Want to know more before deciding to invest? The Investment Hub gives you access to the key information, past performance and risk rating of every fund, which allows you to identify the fund for your goals and save the funds in your favourites list so you can go back to them at a later date, should you choose to invest.
Alternatively, if you’re not quite ready to invest yourself, we offer specialist advice from our qualified Financial Planning Managers.
You can decide how much to invest, by either investing a regular monthly amount, a lump sum payment, or both.
Getting started is easier than you think with lump sum contributions starting from £100, and regular contribution from £20.
Once you’ve selected your investment fund, you can sit back and watch how your investments perform.
You can also switch, buy, or sell Investments online anytime, with 24-hour access.
Registration to your Investment Hub is quick and simple.
A Platform Service Fee will apply
To make the most of the Santander investment Hub, first choose to invest inside a Stocks and Shares ISA Account or an Investment Account, whichever suits your circumstances.
Investing is straightforward with a mixture of regular contributions or lump sum payments allowed. Then choose to invest by Direct Debit or by using your debit card.
There is always the option to add additional money to invest at any time.
Then select your investment fund. Once you've made your choices, confirm you’re happy to proceed. Then the investment Hub will set up the account and purchase the funds you've chosen.
Giving you access to your document library, which is where we hold all your important documents online. This means you have paper-free access to everything you need.
When you have invested, you can view, manage and interact with your investments when and where you want, being able to quickly check your investment performance or buy or switch to alternative funds.
You can also look to consolidate your investments you have elsewhere, transferring them to your Investment Hub.
The Investment Hub is accessible across all your devices, including your smartphone tablet or computer. This is a powerful extension of Santander Online Banking service, helping to give you a full picture of your finances in one place.
All with a clear charging structure
A maximum Platform Service Fee of 0.35% per year
As with all investments, your capital is at risk, and you may get back less than you invest. Investments should be held for the medium to long term (5+ years).
The tax treatment of your investment depends on your individual circumstances and may be subject to change in the future.
Why invest with Santander?
A General Investment Account can be useful if you've already used your ISA allowance.
There are no limits on how much you can invest and you can access your money at any time.
An investment account doesn’t have the same tax perks as an ISA, so you may pay tax on any returns you make, depending on other income you have.
Yes. To transfer investments or cash to your Investment Account please call or write to us. It'll normally take us up to 5 working days from the date we receive your transfer request to complete the transfer of your investments. However, this may depend on your previous provider
You might not be able to hold the exact same investments as in your old account. So it's a good idea to check before you get the ball rolling.
We charge an annual platform fee to provide a secure place to invest, transact, and manage your investments. Each fund manager also charges a fee for running the fund.