This tax year, clarity is in short supply. Cut through the clutter with a flexible Stocks & Shares ISA designed for investors who know the difference.
Pay no platform or transfer fees to access over 200 expertly selected funds, including 30+ leading ETFs with refunded fund charges.
Capital is at risk. Investments can go down as well as up.
If you’ve taken a train, opened a newspaper or glanced at your phone today, you’ve probably seen an ISA ad – or five. Ours included. Millions are spent on marketing this time of year. But beyond the colour and slogans, what’s really on offer?
A Stocks & Shares Individual Savings Account (ISA) lets you invest your money in the stock market tax-free. Every tax year, you can invest up to £20,000 without paying capital gains or income tax on your earnings.
With a flexible ISA, you can withdraw money whenever you need to and replace it in the same tax year without affecting your annual allowance.
The tax year ends on 5 April 2026. After that, your £20,000 ISA allowance resets and any unused portion disappears. That’s why you see the annual rush.
If you plan to use this year’s allowance, Prosper’s flexible Stocks & Shares ISA takes just minutes to open.
Capital is at risk.
£0 annual platform fee
On any portfolio size.
30+ ETFs with refunded fund fees
From the likes of BlackRock, Vanguard, and Fidelity. Low, varying charges on other funds.
Cash marketplace with 50+ products
Market-beating rates from trusted UK banks with FSCS protection.
Access to private markets
Only available to professional investors.
Pay-as-you-go financial guidance
First session FREE, then £200 per hour (VAT excluded).
No interest paid on uninvested cash
Or cash held in the Prosper Wallet.
£625 annual platform fee
On a £250,000 investment (0.25%). Reduced rates for higher balances.
Varying annual ongoing charges
Charges ranging from 0.31% to 0.50% for different funds.
Cash Savings Hub
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
£1,125 annual platform fee
On a £250,000 investment.(0.45%). Reduced rates for higher balances.
Varying annual ongoing charges
Average 0.81% annual ongoing charge across the range of funds.
Access to multiple products from banking partners
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
£179.88–£479.88 annual platform fee
On a £250,000 investment. Based on selected flat-fee plan: Plus (£14.99/mo) or Premium (£39.99/mo).
Varying annual ongoing charges
Charges ranging from 0.10% to 1.00%+ for different funds.
Access to Flagstone's cash deposit platform
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
£1,137 annual platform fee
On a £250,000 investment (0.45% + £12 subscription).
Varying annual ongoing charges
Charges ranging from 0.17% to 0.25%+ for different funds.
No savings marketplace
No access to private markets
Moneybox Aurora not yet available on all accounts
Interest paid on uninvested cash
But they retain a portion.
Sources: Unbiased, Prosper, AJ Bell, Hargreaves Lansdown, interactive investor, Moneybox.
Pick from 200+ funds with zero platform, transfer, or exit fees. Invest up to £20,000 each tax year, free from UK income and capital gains tax.
Uninvested cash doesn't earn interest.
Access 30+ ETFs from top-tier asset managers such as BlackRock, Vanguard, and Fidelity, with all fund manager fees fully refunded back to you.
Effortlessly combine your existing ISAs into one powerful Stocks & Shares ISA. Enjoy full flexibility to add or withdraw money at any time, without affecting your £20,000 annual allowance.
When you invest your capital is at risk.
Tax relief depends on personal circumstances and current rules can change.
Sign up for free in minutes. The Prosper app is available on iOS and Android, giving you secure, 24/7 access to your investments from your phone.
It only takes a couple of minutes to open your flexible Stocks & Shares ISA. Already have an ISA elsewhere? You can transfer it in with zero transfer fees. Uninvested cash doesn't earn interest.
Choose from 200+ professionally curated funds, including 30+ ETFs from top providers like Vanguard, BlackRock and Fidelity. Prefer a ready-made option? Our Standard Fund offers a diversified, low-cost starting point. Capital at risk.
As featured in
Managed by BlackRock, Prosper’s Standard Fund is a ready-made solution for long-term growth, ideal for new investors or those overwhelmed by choice. Trusted globally with $10tn in assets.
Take control of your investments with Prosper’s curated selection of over 200 funds — including index, mutual, and ETFs — to build a portfolio that fits your goals.
Capital at risk.
Capital at risk.
Prosper uses SECCL as the custodian to hold your investment assets which is regulated by the FCA and wholly owned by Octopus Group
Prosper is authorised and regulated by the Financial Conduct Authority under registration number 991710
Already have an ISA elsewhere? Consolidating your ISAs into one powerful Prosper Stocks & Shares ISA makes managing your money easier, and more rewarding.
You’ll get a clear view of your investments in one place, benefit from our zero platform and transfer fees, and unlock fund fee refunds on 30+ top ETFs. Less hassle, more growth.
We retain interest on cash left uninvested in investment products and any cash held in your Prosper Wallet. We do this unapologetically because it aligns our incentives with yours. We want your money invested and growing, not sitting idle.
Capital at risk.
We are the only business we know that refunds the fees on over 30 funds from the best known asset managers around the world.
We bring you a curated selection of sectors, categories, geographies, and currencies to create the portfolio to match your needs and interests.
