iWEB ISA platform recommended for best value?

lpgm

talexuser wrote: »

It is worth telling them if a fund is not available, I did once and a couple of weeks later it appeared in their lists.

Exactly. If you don't ask, you don't get!

Elijah_Bailey

I am another contented customer.

It is only £25 to open the account (a few yeas ago for me) and since then I only pay £5 per year as the only purchase I make is my full ISA allowance.

No other platform I am aware of can match those prices.

The recent revamp of the website has made the site much more accessible, even on a tablet or a phone.

dellboy102

Thank you all, it seems so much cheaper then the others I wanted to make sure I wasnt missing anything however sounds like everyones happy with it so I'll sign up too

paddytt

I have just applied for an iWeb account and realised that it is owned by Halifax which in turn is owned by Lloyds. THat gave me some confidence that they are fully regulated, and thus represent good value for money.

It’s probably rare that the cheapest provider is a high-street bank, but I’ll be watching out for proice hikes in the future!

slinga

Do iWeb like HL have a cash account for ISA cash where you can transfer from an ISA if you think things may not be too good for a while, say closer to actual Brexit, and then reinvest back into an ISA when you think things have calmed down??

slinga

When clicking on the Research button for the AXAFram fund I have in iWeb I get a page pop up as follows:


https://www.markets.iweb-sharedealing.co.uk uses an invalid security certificate. The certificate is not trusted because the issuer certificate is unknown. The server might not be sending the appropriate intermediate certificates. An additional root certificate may need to be imported.


I use Firefox as my browser.


Any ideas and do others get this pop up?

eskbanker

paddytt wrote: »

I have just applied for an iWeb account and realised that it is owned by Halifax which in turn is owned by Lloyds. THat gave me some confidence that they are fully regulated, and thus represent good value for money.

It’s probably rare that the cheapest provider is a high-street bank, but I’ll be watching out for proice hikes in the future!

Their ownership by Halifax/Lloyds may give assurance about corporate scale and stability, etc (no 2008-inspired sniggering at the back please) but indicates nothing about regulation as such - Halifax Share Dealing Limited is indeed regulated by the FCA but as a separate registration from the parent retail banking entities....

slinga wrote: »

Do iWeb like HL have a cash account for ISA cash where you can transfer from an ISA if you think things may not be too good for a while, say closer to actual Brexit, and then reinvest back into an ISA when you think things have calmed down??

Surely you'd still want to keep the cash within the ISA but uninvested? This is indeed possible with IWeb, but pays no interest - however, if you really wanted to withdraw from the ISA then it would make sense to put the cash somewhere else entirely, where you could earn interest on it, such as transferring to a cash ISA with another provider to preserve the tax-free status.

slinga

eskbanker wrote: »

Their ownership by Halifax/Lloyds may give assurance about corporate scale and stability, etc (no 2008-inspired sniggering at the back please) but indicates nothing about regulation as such - Halifax Share Dealing Limited is indeed regulated by the FCA but as a separate registration from the parent retail banking entities....

Surely you'd still want to keep the cash within the ISA but uninvested? This is indeed possible with IWeb, but pays no interest - however, if you really wanted to withdraw from the ISA then it would make sense to put the cash somewhere else entirely, where you could earn interest on it, such as transferring to a cash ISA with another provider to preserve the tax-free status.

I want to keep the cash within the ISA envelope the same as you can do with HL.
I just don't see plainly how it is done.
Sorry for confusion.

eskbanker

slinga wrote: »

I want to keep the cash within the ISA envelope the same as you can do with HL.
I just don't see plainly how it is done.
Sorry for confusion.

I don't have experience of HL so can't offer a direct comparison, but IWeb's S&S ISA is a single account within which you can hold both a cash balance and investments, rather than these being in different accounts as such. I can't quite follow how HL would differ from this, do they offer some sort of sub-account facility below the ISA itself?

ColdIron

No, they have 3 cash accounts (capital, income and loyalty bonus) held within the ISA (or SIPP or GIA)