Interactive Brokers ISA in 2025

The Interactive Brokers ISA (IBKR ISA) seems to be a solid option if you seek an easy and inexpensive way to trade in stocks, funds, and other assets through a tax-free investment wrapper. There have been some tweaks as we progress through 2025 which we will cover shortly. This guide brings you updated facts, pricing, and features so that you can determine if it is the right ISA for you.

Table of Contents

What is the Interactive Brokers ISA?

IBKR ISA is a Stocks and Shares ISA offered by Interactive Brokers, one of the leading low-cost brokerage firms frequently used by day traders and long-term investors alike. It enables UK residents to invest up to £20,000 per annum (2024/2025 allowance) without worrying about capital gains or dividend taxes.

Interactive Brokers unlike some UK-focused platforms allows its users access to global markets including but not limited to US and European stocks, Asian stocks, ETFs, and bonds. This feature makes it an excellent option for investors looking for diversification beyond the UK.

2025 Update: What is New?

Below is the summary of the recent updates:

Update	Details
Lower Fees for Small Portfolios	The monthly minimum fee has been reduced for accounts under £100,000.
Expanded Fund Selection	More UK and international funds added, including sustainable and thematic ETFs.
Improved Mobile App Features	Better ISA-specific tracking for contributions and performance monitoring.
Faster Withdrawals & Transfers	ISA transfers now take 3-5 working days (previously 7+).

Key Features & Benefits

Feature	Benefit
Low-Cost Trading	Competitive commissions, especially for frequent traders.
Global Market Access	Trade US stocks, European ETFs, and more with ease.
Advanced Tools	Useful for both beginners and experienced investors.
Tax Efficiency	No capital gains or dividend tax within the ISA.

Fees & Charges in 2025

When trading bigger volumes, Interactive Brokers uses a tiered pricing model, meaning fees decrease as trade sizes increase. Here’s a breakdown of the costs:

Fee Type	Cost
UK Stocks & ETFs	From £1 per trade.
US Stocks	0.005pershare(min0.005pershare(min1).
ISA Maintenance Fee	£3/month (waived if commissions exceed £3 in that month).
Currency Conversion	0.002% (min £2) for converting GBP to USD or EUR.

IBKR ISA Best For?

Investor Type	Why It’s a Good Fit
Active Traders	Low commissions make frequent trading cost-effective.
Global Investors	Access to US, European, and Asian markets.
Tech-Savvy Users	Advanced tools for research and execution.

How to Open an Interactive Brokers ISA

Step	Action Required
1. Sign Up	Register on the IBKR website.
2. Verify Identity	Provide a UK address & passport/driving licence.
3. Fund Your Account	Transfer money via bank transfer.
4. Start Investing	Buy stocks, ETFs, or other assets.

Transfers from existing ISAs are also supported.

Is It Worth It In 2025?

For global investors who are cost mindful, the Interactive Brokers ISA is still an excellent choice. It remains a strong contender with lower fees for smaller portfolios and faster transfers, as well as improved app functionalities—especially if you trade often, are interested in international markets, or just want to unlock your full trading potential.

But if you only invest in UK funds, or prefer a more straightforward user interface, then AJ Bell or Fidelity would likely be better for you.

For a detailed breakdown of this year’s top investment platforms, read our Best Stocks & Shares ISAs in 2025 – Top Platforms Compared, Cash ISAs Overview and The Best Accounts and Rates and Lifetime ISA (LISA): Buy Your First Home or for Retirement– we analyze fees, investment options, and exclusive features to help you choose the perfect tax-efficient account for your portfolio.