Fund and Share Account
Investing on your terms. Your way.
Invest globally with our easy to manage, low-cost dealing account.
Before you invest: investing for 5+ years increases your chances of positive returns compared to cash savings. But investments rise and fall, so you could get back less than you put in. You’re responsible for your investment decisions.

What is a Fund and Share Account?
A refreshingly simple investment account helping you build your own investment portfolio and invest in what you want, when you want.
Trade UK and Overseas shares
Access global markets and trade in what you want, when you want.
No investment limits
There's no annual limit to what you can invest. You can start big or small.
Free to hold shares
No account charge to hold shares, ETFs, investment trusts, Venture Capital Trusts, gilts and bonds. View account charges.
Why choose the HL Fund and Share Account?
HL offers simplicity, flexibility, and expert guidance to help you invest for your future.
Live share prices, research and insight.
Huge investment choice with the UK's largest retail stockbroker
Speak to our UK-based helpdesk if you have any questions
Trade on the go with HL's award-winning app.
Is the Fund and Share Account right for me?
Consider investing in a Fund and Share Account if:
You have already used or do not want to use your ISA allowances
You're clear on the differences between saving and investing and you have cash savings to cover emergencies
You understand the value of your investments will rise and fall, so you could get back less than you invest
You're happy to invest for the long term - we suggest at least five years
You're comfortable choosing your own investments and you're happy to check in to make sure they're continuing to meet your objectives
This isn't personal advice. If you're not sure what's right for you, ask for financial advice.

Get started in minutes
Open a Fund and Share Account from a £1 lump sum, or £25 a month.
Flexible investing.
Built for you.
Free to all HL clients, live share prices are available on the HL website and HL mobile app.
Learn more about live share prices
Help protect your portfolio with stop losses and help meet your price target in a volatile market at no extra charge.
Learn more about stop loss & limit orders
Keep track of existing and potential investments all in one place.
Spot trends and opportunities with a range of technical analysis and comparison tools. You can even add your own purchases to track profit and losses.
Market updates three times a day and free weekly emails containing our experts' latest views and opinions on shares and more.
Register for share insight emails

Transparent fees.
Exceptional value.
0%
Free to hold shares, ETFs, investment trusts, VCTs, gilts and bonds. Some investments will have their own annual charges.
Dealing charge between £5.95 and £11.95 per deal.
0.45%
Maximum annual charge of 0.45% for funds.
No dealing charge for buying or selling funds. Some investments will have their own annual charges.
Experts in the industry
Insights and tips from our team of analysts and experts.
Service and Security
Enjoy peace of mind. We've been helping clients save and invest securely for over 40 years.
Award-winning service
Over 200 awards, including 'Best for Investment Research' and 'Best for Customer Service' for 2025.
FAQs
Common questions about a Fund and Share Account.
To open a Fund and Share Account online, you’ll need to be over 18, live in the UK and a UK resident for tax purposes. If you’re not, please contact us so we can check if you’re eligible to open an account.
You should also be:
Comfortable choosing your own investments
Confident making long-term investment decisions
Free from significant debt (other than a mortgage)
Clear on our charges and how you’ll be affected by tax
If you’re not sure which investments are right for you, please ask us about financial advice.
You can open a Fund and Share Account with £1 as a lump sum, or by setting up a Direct Debit from £25 per month.
Yes, you can transfer the following into a Fund and Share Account:
Funds
UK and overseas shares
Corporate and government bonds
Exchange Traded Funds (ETFs)
Investment trusts
If you're already a client, you may be able to transfer online. Otherwise, it takes five minutes to download and fill in a form.
It's free to transfer to us, but some companies may charge exit fees. It's a good idea to check whether yours does before transferring.
It may be possible to request a partial transfer of your investment account to HL instead of transferring your account in full. However, not all providers can facilitate a partial transfer so we’d recommend checking with your current provider first.
A partial transfer can only be requested over the phone or via a transfer form and cover letter in the post. There are specific regulations regarding this so please call our transfer helpdesk on 0117 906 7816 if you need any help.
We've won over 200 awards for our services



