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interactive investor (ii) Review

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Should I use interactive investor (ii)?

UK's flat-fee investment platform (page itself shows a browser-support notice) - ii.co.uk

· 2 weeks ago

Strong pick if you hold a large ISA or SIPP, where the flat monthly fee beats percentage charges. Small portfolios and beginners pay over the odds and should choose a cheaper or simpler platform.

Confidence

Medium. Based on ~20 public sources; most snippets were truncated, so exact prices and ratings could not be verified.

Ratings

  • Value for money
  • Ease of useNo direct usability evidence
  • Feature depth
  • Support quality
  • Security postureNo findings either way in sources

Pricing

Monthly flat-fee plans

Flat monthly fee — exact amounts not in evidence

ModelFlat monthly fee
Monthly feesNot disclosed
HardwareNot disclosed
Free tierNo

Best for

  • Large ISAs and SIPPs
  • Long-term DIY investors
  • Flat-fee fans consolidating pensions
  • Investors who read research

Not for

  • Guess: Small pots under ~£25k — percentage platforms cost less
  • Beginners wanting guided, hand-held investing
  • Active traders needing zero-commission dealing
  • Anyone spooked by the ongoing fee-structure changes

Gotchas - check before you buy

high

Flat-fee maths: expensive on small balances — model your costs before switching

medium

Fee structure changing around Feb 2026; verify current charges before committing

medium

Recent fee changes drew visible Reddit anger — pricing trust is a live issue

medium

Guess: Dealing charges vary by plan; confirm per-trade costs on the charges page

Pros and cons

Pros

  • Flat monthly fee, not percentage of assets — cheaper at scale
  • One home for ISA, SIPP and trading accounts
  • 300,000+ UK customers; claims UK number one flat-fee platform
  • Trustpilot reviews frequently praise the service
  • Substantial in-house analysis and commentary included

Cons

  • Guess: Flat fee penalises small portfolios versus percentage rivals
  • New platform fees triggered customer pushback on Reddit
  • Feb 2026 cost changes leave customers uncertain

Sources & method

- 12 sources - No known vulnerabilities found in the sources reviewed.

official x2review x8security x1news x1

Key stats

  • Value for money: 3/5

    Rating

  • Flat monthly fee — exact amounts not in evidence

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 3/5. Flat fee wins large pots; fee changes debated
  • Ease of use. No direct usability evidence
  • Feature depth: 4/5. ISA, SIPP, trading plus editorial research
  • Support quality: 4/5. Award-winning claim; Trustpilot shows praise
  • Security posture. No findings either way in sources
  • 300,000+ UK customers per Wikipedia
  • Flat monthly fee Pricing model not a % of assets
  • ISA, SIPP, trading Account types plus research content

Pricing

Monthly flat-fee plans

Flat monthly fee — exact amounts not in evidence

  • Multiple plan tiers exist
  • Fee changes in flux around Feb 2026
  • ii Family perks for members

Security

No known vulnerabilities found in the sources reviewed.

What users say

Trustpilot shows frequent praise for the service, while Reddit threads show active debate over recent and upcoming fee changes.

Alternatives

Compare interactive investor (ii) with each alternative.

  • Freetrade

    Simple low-cost app for investing beginners

Full analysis

Based on ~20 public sources; most snippets were truncated, so exact prices and ratings could not be verified.

Flat-fee UK investing platform: great for big ISAs and SIPPs, pricey for small pots. Fee changes stirring debate.

Methodology

Based on ~20 public sources; most snippets were truncated, so exact prices and ratings could not be verified.

Read how a report is made.

Sources

  1. interactive investor Reviews | Trustpilottrustpilot.com
    review
  2. interactive investor - Wikipediaen.wikipedia.org
    news
  3. ii fees & chargesii.co.uk
    official
  4. ii price plan comparisonii.co.uk
    official
  5. Boring Money: Is interactive investor good?boringmoney.co.uk
    review
  6. Reddit r/FIREUK: How good are ii for ISA and SIPP?reddit.com
    review
  7. Reddit r/HENRYUK: New platform fees thoughtsreddit.com
    review
  8. Reddit r/UKPersonalFinance: Lower costs from Feb 2026?reddit.com
    review
  9. This is Money: Interactive Investor reviewthisismoney.co.uk
    review
  10. Unbiased: ii platform pros and consunbiased.co.uk
    review
  11. Citywire forum: Changing Platforms - from HL to IImoneyforums.citywire.com
    review
  12. ii security centre: How to protect yourselfii.co.uk
    security

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