Important things to remember about investing
Investment returns aren’t guaranteed. The value of your investment can go down as well as up and may be worth less than what was paid in. Laws and tax rules may change in the future. Personal circumstances like where you live and if you’re married also have an impact on tax treatment.


At Self Investor we offer two types of account: a Stocks & Shares Individual Savings Account (ISA) and a Trading Account. These are both closed to new customers, but if you already have an account you can still fully manage your investments online.

Our Stocks & Shares ISA

A Stocks & Shares ISA is a tax-efficient way of investing. You can invest up to £20,000 for the 2022/2023 tax year. As a minimum, you can invest from as little as £50 per month or a lump sum of £500 or more each year.

Log in to view your ISA

Our Trading Account

Unlike an ISA, there’s no maximum limit to how much you can invest in our Trading Account (also known as a General Investment Account). You also have access to a full range of investment funds.

However, there are no tax benefits with this account. Any income from your investments could be subject to income tax, and when you cash in your investments you may need to pay Capital Gains Tax.

Log in to view your Trading Account

Compare investment accounts

Features Stocks and Shares ISA Trading Account
Invest up to £20,000 for the 2022/2023 tax year
Invest an unlimited amount
Tax-efficient *
Choose from over 1,200 funds
Minimum monthly payment of £50
Minimum initial lump sum payment of £500
Transfer in from another provider
No cost to transfer in or out **
No transaction fees

For both options, if you know which funds you’d like to invest in, you can choose them through our online services. You could also use money in your Trading Account to top up your Stocks & Shares ISA if you have allowance still to use for the current tax year, to make the most of your tax-efficient allowance.

If you are unsure which funds to invest in you, you can place cash into your account and choose funds later. Self Investor will pay interest on cash balances held within the Smart+ Stocks and Shares ISA and the Trading Account.

Learn more about interest rates on cash balances

* This depends on your personal circumstances and if you’ve used your capital gains tax (CGT), dividend and personal savings allowances to cover the growth and distributions you receive from your investments. Laws and tax rules may change in the future. Personal circumstances also have an impact on tax treatment.

** abrdn does not take a charge for transferring in, but you may be charged by your current provider for transferring out. 


If you have another Cash ISA or Stocks & Shares ISA, you can transfer all or part of this into our Stocks and Shares ISA. And if you hold investments outside of an ISA, you can transfer all or part of this into our Trading Account. This makes it easier to manage your funds in one place. The minimum amount you can transfer is £100.

How to transfer

To start a transfer, call us on 0800 1522 522 and one of our dedicated team members will help you. Please be prepared to provide your National Insurance number and details of the investments of ISA you want to transfer. Call charges will vary.

You can also initiate a transfer yourself by logging in to your account, then clicking on 'Manage portfolio' and selecting 'Transfer to Self Investor' from the drop down. Follow the steps on screen then print, read and sign the confirmation form, then return it to us.

You should check with your current provider if you will be charged for transferring out. 

What happens during the transfer process?

We'll arrange the transfer for you by liaising with your current provider, so once we have your signed transfer form you won't need to do anything. Please don't withdraw money from your current ISA to reinvest with us as it will impact this year's ISA allowance.

We'll transfer your investments as long as we offer the same funds. If we don't, we'll arrange for your current provider to sell your funds or investments and transfer across as cash for you to invest in new funds.

  • If you transfer as cash you'll be out of the market until the transfer is complete. You won't lose out if the market falls but your money won't be subject to any potential income or growth if the market rises in this period
  • If you're transferring funds you'll remain invested during the transfer. You'll be unable to switch or sell these funds while the market falls or rises during this time

Existing Self Investor customers (account numbers starting SM)
Call us

0800 1522 522
Monday to Friday: 9am - 5pm

Email us

If you've got a non-urgent query you can email us. Please remember email is not secure so don’t send personal details.

(This mailbox can only deal with enquiries about Self Investor – not any other accounts).

New customers

Start investing by opening a new Stocks & Shares ISA online.

Find out more about our ISA