Available Cash allows you to hold money in your investment account as cash - your Available Cash isn’t invested and instead earns interest. For our Stocks & Shares ISA, Junior ISA, and General Investment Account, cash earns an interest rate of 3.50% AER (variable). For our Stocks & Shares Lifetime ISA, this rate is 3.25% AER (variable).

You can use your Available Cash to invest in our range of funds (and/or stocks, if you hold a Stocks & Shares ISA), either individually or in line with your current allocation, in Accounts > Tap on your account > Available Cash > Invest now. Buys from cash typically complete within 2-4 working days, and you’ll also get an email from us to let you know this has completed.

Available Cash can also be withdrawn to your bank account in Accounts > Tap on your account > Available Cash > Withdraw.

We do not charge a customer service fee on funds held as Available Cash- instead, we will retain the difference (if any) between the interest received from the underlying third party banks and the amounts paid on your product.