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Fund and Share account banner Fund and Share account banner

Fund and Share Account

An easy to manage, low-cost dealing account

Switch your investments on

Open an account Transfer investments to us

Important information: investing for longer increases the likelihood of positive returns. Over a period of five years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value, so you could get back less than you put in.

This isn’t personal advice – please ask us for advice if you’re not sure which investments are right for you. Before transferring check for excessive exit fees or any loss of benefits.

Investing on your terms

The HL Fund and Share Account is designed to help investors build their own portfolios.

You can open an account online in minutes with your debit card and National Insurance number. Then view and deal your investments 24/7 online or with the HL app.

If you aren't sure about building your own portfolio, please visit the Learn section of our website, contact our Helpdesk, or speak to us about financial advice.

Please note investments can go up as well as down in value so you could get back less than you put in.

Discover how the HL Fund and Share Account can help investors build their own portfolios.

Your investment options

  • Over 3,000 funds
  • UK and overseas shares
  • Corporate and government bonds
  • Exchange traded funds (ETFs)
  • Investment trusts and much more

HL Charges

It's free to hold shares in the Fund and Share Account. Share dealing costs a maximum of £11.95 per UK deal online.

For funds, there's no dealing charges and a maximum annual charge of 0.45%.

View our charges and interest rates

Between£5.95 - £11.95per UK share deal online

How to open a Fund and Share Account

Start with a bank payment

It takes less than five minutes to get started.

You can open a Fund and Share Account with as little as £1, or by setting up a Direct Debit from £25 per month.

To invest in funds, you’ll need a minimum lump sum of £100. Or you can set up a monthly Direct Debit from £25 per investment.

Transfer investments

If you hold investments elsewhere, it’s easy to transfer them to HL.

The fastest way to transfer to a Fund and Share Account is online.

Learn more about transferring

Download the HL app to get live share prices on demand as well as peace of mind from secure login. It's your portfolio in your pocket.

Your investments anytime, anywhere

  • Fast, secure account access - Log in to your account securely using fingerprint login and Face ID on iPhone

  • See everything at a glance - Keep track of your investments so you always know how they're performing

  • Place trades on the go - Buy and sell investments, even on the move

Download the HL app from the App Store Available on Google Play

Find out more about the HL App

Why choose the HL Fund and Share Account?

  • Security - we're a FTSE-listed company, trusted by over 1.7 million clients
  • Ease - invest anytime, anywhere online or with the HL app
  • Inspiration - fund and share ideas from our investment analysts
  • Award-winning - we've won over 200 awards, including Best Online Stockbroker at the Personal Finance Awards in 2022, 2023 and 2024
  • UK-based helpdesk - speak to our client support experts if you have any questions

A tax-efficient alternative

If you're not sure the HL Fund and Share Account is right for you, we have other accounts to choose from.

Our most popular option is the HL Stocks and Shares ISA, which allows you to invest free from UK tax. See how the accounts compare before making your decision.

Learn about Stocks and Shares ISAs

New to investing?

Getting started could be easier than you think. Watch our videos to get to grips with the basics of investing.

Or read more about investing rules of thumb, and how to start building a portfolio.

Frequently asked questions

More Fund and Share Account FAQs

It’s clear, easy to deal, straightforward.


Finder Awards Winner Share Dealing 2024
Share Dealing Category 2024
Finder Customer Satisfaction Awards
Best Online Stockbroker 2023-2024
Best Online Stockbroker 2023/2024
The Personal Finance Awards
Best Buy Investment App 2024 award
Best Investment App
Boring Money 2024

See all our awards

Help and support

If you have any questions about the HL Fund and Share Account, you can speak to one of our client support experts.

Call us on 0117 900 9000

Contact us

Email us