18 - 25 Accounts

Aged 18 - 25? Get started for free with our 18 – 25 investing accounts.

 

Benefits

  • No admin fee (until you’re 26) 
  • Free regular investing through our scheduled investment service.
  • Smart tools to help you invest.
  • All in one dedicated app.

 

It’s a new tax year

Remember, you have a £20,000 ISA allowance each tax year, and with the new tax year starting your allowance has reset. Open an 18-25 ISA today and take advantage of your 2025/26 allowance.

Open an 18 – 25 ISA opens in a new tab

Easy as 1 2 3

Step one.

Choose an account:

  • 18 - 25 Stocks and Shares ISA – invest up to £20,000 ISA allowance each tax year.
  • 18 - 25 Share Dealing Account – if you’ve already maxed your £20,000 ISA allowance
Step two.

Do your research:

Step three.

Get going:

  • Free regular investing 
  • Deal now for £9.50
  • No commission on international trades (1.25% FX fee applies).

Is investing for you?

You can start from just £20 a month with our free regular investment plan. Yes, there are risks, so make sure you do your homework.

Due to the risks involved with investing, you should only invest if you have enough cash savings. Having savings is essential to make sure you can cover any expenses or emergencies without having to prematurely sell any of your investments.

If you’re not sure about investing, seek financial advice and keep reviewing your goals. Investing is for the medium to long term, at least 5-10 years.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. Invested money, historically, has earned a higher level of return than savings but nothing is guaranteed.

Risk explained

Investing with Halifax: A Journey for the Future

Investing with Halifax is like embarking on a long journey. You take the time to plan out your route and set your goals. By concentrating on your financial future and steering clear of fleeting trends or short-term risks, you can avoid impulsive decisions that might hinder your progress.

Instead, embrace the market's fluctuations, allowing your investments to grow steadily over time. Whether you're aiming to build wealth for your dream home, future travels, or financial independence, keeping to a long-term strategy is the wise approach to achieving your goals. Start small and stay consistent to hit your future goals.

Choose an account

Ensure you apply for an account using your main residential address. Your application may be rejected if we cannot verify you at the address provided.

18 - 25 Stocks and Shares ISA

Perfect for investing your £20,000 ISA allowance.

  • Invest up to £20,000 tax efficiently every year.
  • Choose when, where and how to invest.
  • Any increase on your investment is free from UK income and capital gains tax.
Open an ISA now

18 - 25 Share Dealing Account

Perfect if you hit the £20,000 ISA limit.

  • No limit on the amount you can invest.
  • Choose when, where and how to invest.
  • Any income or gain may be subject to tax.
Open a Share Dealing Account

Let’s take a closer look

Smarter Investing

We’ve teamed up with investment legends iShares by BlackRock to bring you the future of easy, affordable investment picks.

 Say hello to Exchange Traded Funds (ETFs).

Open the ETF Quicklist

Let your money work harder

Pay the same fees with us, no matter how much you invest. 

Transferring is free and easy (just use the ‘transfer’ option in your account).

Help me to transfer

Don’t stop now

26 doesn’t mean your investing life is over. 

You’ll pay £36 a year but that doesn’t mean you can’t keep investing in your future goals.

View our charges

FSCS protected logo. 

Financial Services Compensation Scheme

Eligible deposits held with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.  

Visit our FSCS page

Important legal information

Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Boost your investment skills

Even with 170 years financial experience behind us, we’re still hungry to learn. If your investment skills need a top up, take a look at our articles. Bite-sized bits of investment inspiration you can chomp through whenever you like.

Boost your skills

Boost your investment skills

Even with 170 years financial experience behind us, we’re still hungry to learn. If your investment skills need a top up, take a look at our articles. Bite-sized bits of investment inspiration you can chomp through whenever you like.

Boost your skills