About the product
What is an Investment Account?
A General Investment Account (GIA) is a straightforward, flexible investment wrapper with no contribution limits and no restrictions on withdrawals. Unlike a SIPP or ISA, there are no annual limits — making it ideal for investing larger lump sums or building wealth beyond tax-advantaged allowances.
The Invinitive Investment Account supports multiple currencies, giving clients the freedom to invest globally without unnecessary FX conversion friction.
Key product features
How it works
Six things to know about the Invinitive Investment Account
Multi-currency
Hold and invest across GBP, USD, EUR and more. Reduce FX friction on international investments.
Instant access
No lock-in periods, no notice requirements. Access your funds whenever you need them.
Lump sum investing
Deploy capital immediately — ideal for one-off investments from savings, inheritance or asset sales.
Regular savings plans
Set up ongoing contributions to build wealth steadily over time on your own schedule.
Broad investment access
Equities, ETFs, mutual funds and bonds across UK, US and international markets.
Simple online platform
A clean, intuitive interface. View holdings, transact, and manage your account in minutes.
Suitability
Who is this product designed for?
This is general information only and does not indicate suitability for any individual.
Multi-currency
Invest in your currency of choice
The Invinitive Investment Account supports multiple currency balances — GBP, USD, EUR and others. This means you can hold, fund and invest in different currencies without unnecessary conversion costs.
For internationally-based clients or those investing in US or European markets, this is a significant advantage over single-currency platforms that force conversions on every trade.
UK equities, ETFs, gilts and funds on the London Stock Exchange.
US equities, ETFs and funds on NYSE, NASDAQ and other US exchanges.
European equities and ETFs across major Continental exchanges.
Additional currencies supported — contact us for details.
Charges
Transparent fee structure
We keep charges clear and predictable. No hidden commissions, spreads or undisclosed costs. Underlying fund charges are set by fund managers and disclosed separately.
| Charge | Amount |
|---|---|
| Account setup | No fee |
| Annual platform custody fee | 0.25% p.a. (capped at £400) |
| UK & US equities, ETFs, funds, bonds | £7.95 per trade |
| International equities & ETFs (excl. US) | £7.95 + 5bps |
| FX transactions | £7.95 |
| Faster payments (GBP withdrawal) | £15.00 |
| International / currency payments | £25.00 |
Effective from 1 May 2026. Please refer to the current Costs & Charges document before opening an account.
Getting started
Open and fund in minutes
Apply online
Complete our straightforward online application and identity verification — no paperwork required.
Fund your account
Deposit via bank transfer in GBP, USD, EUR or other supported currencies.
Start investing
Browse and invest across equities, ETFs, funds and bonds across global markets.
Access anytime
No lock-in. Withdraw funds or switch investments whenever you need to.
Important considerations before investing
Get started
Ready to open an
Investment Account?
Open an account online in minutes. No minimum investment, no lock-in, no hassle. Our team is available to answer any questions about the product, charges or how to get started.
Contact us
Website
www.invinitive.co.uk
info@invinitive.co.uk
Regulated by
Financial Conduct Authority (FCA)
Important information: This brochure is provided for general information only and does not constitute financial advice, a personal recommendation or a suitability assessment. The value of investments can fall as well as rise. You may get back less than you invest. Tax treatment depends on individual circumstances and may change in future. A General Investment Account does not benefit from the same tax advantages as a SIPP or ISA. Please read all relevant product documentation, terms and the current Costs & Charges document before opening an account.
© 2026 Invinitive Financial UK Ltd. All rights reserved. Authorised and regulated by the Financial Conduct Authority.
www.invinitive.co.uk