How we protect your cash

When you hold cash in your Investment ISA, Junior ISA or Investment Account we spread that cash across several banks for your security.

The amount we allocate to each bank is based on the table shown below. The amounts deposited with each bank and the proportions will vary throughout the day.

Bank Percentage allocated to that bank*
Barclays Bank Plc 81%
Royal Bank of Scotland Plc 11%
Lloyds Bank Plc 8%

*These allocations are correct as of 19 January 2018 and will be updated every quarter.

Deposits held in these bank accounts are covered by the Financial Services Compensation Scheme (FSCS), which guarantees you get your money back up to a maximum of £85,000 per bank in the event of financial problems. Any other deposits you hold with the bank(s) we use will also count towards this limit.

For more information about how the FSCS might apply to your cash, you can read more at

Current rate of interest

In this low interest rate environment, we are not paying any interest on cash held in your accounts. If this changes, we’ll update this page to let you know. Interest will be calculated daily and paid into your account after the end of every month, less any applicable withholding tax.


We currently don’t charge a service fee for holding your cash. However, we reserve the right to retain an amount of up to 0.25% of the interest received from the bank(s) we deposit your money with to cover the cost of providing the service.

Still need help?

Talk to our team

Give one of our UK-based associates a call on

0333 300 3351

Contact us

Send us your question online or visit us at our Investor Centre in London.