General Investment Account

Invest outside your ISA allowance with a NuWealth Standard GIA. Capital at risk. Fees apply.
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What is a General Investment Account?

A General Investment Account allows you to make unlimited investments outside of ISA limits associated with a Stocks & Shares ISA.

Capital gains and dividends tax

You will have to pay capital gains and dividends tax on profits above your annual allowances. The 2024/25 allowance for capital gains tax is £3,000, and for dividends tax it’s £500.

Tax treatment

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Beginner investor

If you are a beginner investor looking to start off small, then you shouldn’t feel put off as chances are you’ll fall below the profit allowances (unless you get lucky).
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GIA

NuWealth General Investment Account.

A General Investment Account allows you to make unlimited investments outside of ISA limits associated with a Stocks & Shares ISA.

Stocks & Shares and Themed ETFs

Our Standard GIA allows you to invest in ETFs and shares in US, UK and EU companies. Use Auto Invest and Round Ups to create life-long good money habits.
Benefits

Why open a General Investment Account with NuWealth?

At this time, we offer the following assets and features with our Standard GIA plan; UK, EU and US shares, Themed Funds (ETFs), Auto Invest and Round Ups. *Other fees apply.

Commission-free

Commission-free investing*.

US, UK and EU shares

Diversify with access to US, UK and EU shares.

Fractional shares

Invest in fractional shares from £10

30+ Themed Funds

30+ Themed Funds (ETFs) to match your ambitions.

Auto Invest

Invest any amount automatically with Auto Invest

Round Ups

Easily invest your spare change with Round Ups

Compare Accounts

Instant GIA

GIA (Standard account)

FEATURES

Fractional shares from £10

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Unlimited commission-free trading i

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US shares

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UK & European shares

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Themed Funds (ETFs)

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Round Ups

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Auto Invest

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Instant Investing i

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Instant Deposits

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Instant Withdrawals

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Cashback i

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Costs

Subscription fee

FREE

£1 per month

Platform fee

-

0.10%

Foreign exchange fee i

0.65%

0.75%

Fund manager fee i

-

0.07 - 0.75%

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Remember, when investing your capital is at risk and you may get back less than what you put in. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
Features

Fractional shares from £10

green tick in a circle

Unlimited commission-free trading i

green tick in a circle

UK & European shares

green tick in a circle

Themed Funds (ETFs)

green tick in a circle

Round Ups

green tick in a circle

Auto Invest

green tick in a circle

US shares

green tick in a circle

Instant Withdrawals

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Costs

Subscription fee

£1 per month

Platform fee

0.10%

Foreign exchange fee i

0.75%

Fund manager fee i

0.07 - 0.75%

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Remember, when investing your capital is at risk and you may get back less than what you put in. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
Pricing

Simple and transparent

We’ve got your goals covered today, tomorrow, for life. Where will you start?

ISA

Stocks and Shares ISA
£1/mth
Learn more
Access to US, UK, EU stocks
30+ Exchange-Traded Funds (ETFs)
Invest from £10
Auto Invest & Round ups
Invest up to £20,000 per year with tax-free gains.

GIA

General Investment Account
£1/mth
Learn more
Access to US, UK, EU stocks
30+ Exchange-Traded Funds (ETFs)
Fractional shares from £10
Auto Invest & Round ups
Instant Deposits
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Remember, when investing your capital is at risk and you may get back less than what you put in. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

How to open a General Investment Account

Opening a GIA is easy. You'll need your National Insurance number and a form of ID to get started.

Create your account

Download our app and create your account. Capital at risk
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Choose Standard GIA

Create and verify your account and identity.

Explore & Invest

Invest in Themed ETFs and Fractional Shares.

Your dream portfolio

Invest in leading brands and funds across tech, business, entertainment and sustainability. Remember, when you invest your capital is at risk. See our pricing
Support

Frequently asked questions

Are there any restrictions on how often I can trade with a Standard GIA, ISA or Junior ISA (JISA)?

You can make as many trades as you like, but the trades will only complete when the stock market is open. 

The majority of shares available for our Standard accounts are traded on the UK market, however, a selection of US stocks are available too. We trade once a day (enabling us to keep account fees low) shortly after 15:00 each business day. Trades on this account complete shortly after 15:00 (if placed before the market opens, any trades placed after this will complete on the next working day).

Please note, trades placed on ‘The Adventurer’, ‘Fly the Flag,’ ‘Bond, Global Bond’, ‘Slow and Steady’ or ‘The Balanced’ need to be placed before 11am on a working day in order to be processed the same day. If trades are placed after 11am, the trade will typically be processed on the next working day. However, please be aware that all trades placed on ‘The Adventurer’, ‘Fly the Flag,’ ‘Bond, Global Bond’, ‘Slow and Steady’ or ‘The Balanced’ can take up to four working days to complete.

What are the fees for a NuWealth Standard GIA, ISA or Junior ISA (JISA)?

There is a £1 per month fixed subscription fee covering all transaction and investing costs, and grants you access to the Learning Hub, Round Ups and Auto Invest.

There is also a platform fee of 0.10% of your portfolio value, e.g. £10 per £10,000 per year which is charged monthly. At any time, you can view the fees you will pay per month for your Standard accounts by opening the NuWealth app > 'Account' > 'Fees & Charges'. These low fees make NuWealth one of the cheapest providers out there!

On some occasions, a 0.75% FX fee will be applied to trades on foreign shares only. 

Plus, where applicable, an ETF provider fee (0.07% and 0.75% variable based on the fund) will be charged annually, and billed monthly, depending on which themed fund you select. This isn’t deducted from your account but rather is reflected in the value of your fund.

View our pricing.

What is a General Investment Account (GIA)?

GIA stands for General Investment Account, and it’s a standard investing account which is not tax-free. This means that you are liable to pay taxes on any realised capital gains. However, there is no limit to how much you can invest, or how many GIAs you can have. 

With NuWealth's Standard GIA you can execute daily orders in ETFs and fractional shares, and utilise Round Ups and Auto Invest. 

View more information on our GIA webpage. Please note, tax treatment depends on the individual circumstances of each client and may be subject to change in future.

What can I invest in with NuWealth?

Themed Funds (or Exchange-Traded Funds)

With NuWealth, you can invest in themed funds (ETFs) in a range of sectors, such as gold, technology and ethical investing from just £10. We work with a number of ETF providers such as BlackRock, Vanguard, Amundi and Rize. Explore our ETFs to see the full range of options. Please note, ETFs are only available with a NuWealth Standard account.

Fractional Shares

You can also choose to purchase shares in global companies with fractional shares. Sometimes the value of a whole share can be high, which is why we provide fractional shares; fractional shares allow you to purchase part of a whole share for as little as £10. No matter your budget, you can own a piece of brands like Tesla, Apple, Amazon or AMC. Please note, some stocks are only available with certain accounts; the selection of individual fractional shares we offer differs on Standard and Instant accounts. Fractional shares are only available in General Investment Accounts, though whole shares are also available in ISAs and Junior ISAs.

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Build your wealth your way. Capital at risk
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