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What is a General Investment Account (GIA)?

Unlike ISAs or pensions, there are no caps on how much you can deposit into a GIA each year. This makes it ideal if you’ve maxed out other tax-efficient accounts or need a place for larger sums.

During Transfer Season, invest £20,000+ in your GIA before 1 September 2025 and benefit from 10 years of no platform fees.

Capital at risk. Investments can go down as well as up.

30+ ETFs with absolutely no fund fees

We are the only business we know who 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. Because we believe you shouldn’t be trading single stocks to maximise your long term wealth over the long term, we make a point of keeping our fund list focussed.

Money doesn’t grow on fees

Benefits of a Prosper GIA

No contribution limits

Move money in and out easily

Free to open, easy to manage

Annual platform fee on a £250,000 investment

Fund fees

Set by the asset managers

In-app cash marketplace

Multiple banks and accounts

Private markets

Pay-as-you-go financial guidance

Interest paid on uninvested cash

Free

Refunded fund fees on over 30 ETFs from top asset managers, including BlackRock, Vanguard, and Fidelity.

£625

0.25%. Reduced rates for higher balances.

Annual ongoing charges ranging from 0.31% to 0.50% for different funds.

£1,125

0.45%. Reduced rates for higher balances.

Average ongoing charge figure of 0.81% on funds.

£240

Flat monthly fee of £19.99 for Super Investor plan.

Access to different investments with varying fund fees.

Our investing principles

Trusted reviews

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