Is there a minimum or maximum I can invest?

  • Updated

Whether you're investing £100 or £100,000, InvestEngine is designed to make getting started as simple and cost-effective as possible. With no account fees on ISAs, Self Invested Personal Pensions (SIPPs), General Investment Accounts (GIAs) or Business Accounts, fractional investing from just £1, and a range of portfolios to suit every level of experience, it’s easy to take that first step towards your financial goals.

Here’s everything you need to know about minimum and maximum investment amounts.

Minimum investment amounts

  • £100 minimum to open a portfolio (GIA, ISA, SIPP, or Business Account)
  • £1 minimum per ETF order in DIY portfolios (thanks to fractional investing)
  • £10 minimum for recurring top-ups or AutoInvest
    (AutoInvest places trades once each ETF allocation reaches £1 or more)

There’s no minimum value for ISA or SIPP transfers, but the £100 portfolio minimum still applies once funds arrive.

Maximum investment amounts

While InvestEngine doesn't set a maximum limit on how much you can invest, certain account types are subject to HMRC rules:

ISA (Individual Savings Account)

  • £20,000 per tax year (2025/26)
  • This limit applies across all your ISAs combined
  • Contributions can be split across different types of ISAs (Cash, Stocks & Shares, Innovative Finance, and Lifetime ISAs)
  • Read more on ISA types here 

HMRC: ISA allowance rules

SIPP (Self-Invested Personal Pension)

  • Up to £60,000 per tax year, or 100% of your relevant earnings (whichever is lower)
  • Non-earners can contribute up to £3,600 gross per year
  • Contributions may be eligible for tax relief depending on your circumstances

HMRC: Pension tax relief

GIA (General Investment Account) & Business Accounts

  • No maximum contributions
  • However, Capital Gains Tax and Dividend Tax may apply depending on your returns

HMRC: Capital Gains Tax
HMRC: Dividend Tax

Transfers

  • There is no minimum transfer value for ISA or SIPP transfers
  • Once funds arrive, the £100 portfolio minimum and £1 ETF minimum (DIY) still apply

Your money is secure

  • Uninvested cash is protected by the FSCS up to £85,000
  • ETFs are held in your name with a regulated custodian

Read more about how we keep your investments safe here

Want to Learn More?

If you're unsure how much to invest or how to make the most of your allowances, you’ll find helpful resources in:

Our section on Tax-Free Investing – SIPPs & ISAs
 

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