Should you open a Hargreaves Lansdown GIA or ISA?

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I’d say open a GIA after you have exhausted your ISA allowance. With a Hargreaves Lansdown general investment account, you can invest as much as you like but with an ISA you are limited to £20k a year in the tax-free wrapper.

Hargreaves Lansdown General Investment Account Review
Hargreaves Lansdown

Name: Hargreaves Lansdown General Investment Account

Description: Hargreaves Lansdown is good for investors looking for an investment platform that provides more added value than just somewhere to buy and sell shares. HL offers the most account types of all the investment platforms we compare, including a general investment account, stocks and shares ISAs, lifetime ISAs, and junior ISAs. Plus, they have one of the best research portals to help you choose your own investments. They also have some of the widest market coverage, including thousands of UK and international shares, over 3,000 funds, ETFs, investment trusts, and corporate bonds.
Capital at risk


  • Investments: Shares, ETFs, bonds & funds
  • Minimum deposit: £1
  • Account types: GIA, ISA, SIPP, JISA, JISA, JSIPP
  • Account charge: Shares £0, funds 0.45%
  • Dealing fee: Shares £5.95 – £11.95, funds £0


There is no account charge for shares in a general investment account with Hargreaves Lansdown. Funds are charged at 0.45% for the first £250,000. There is no charge for buying funds, but shares are charged at £11.95 per deal or £5.95 if you do over 20 deals per month.

Investing Platforms:

Hargreaves Lansdown investment platform is one of the best around. HL provide a huge amount of technical and fundamental data to help you choose investments.

HL GIA Platform


  • Thousands of UK and international shares, bonds & funds
  • Ready-made portfolios with different levels of risk
  • Excellent research and analysis
  • An established and listed company on the LSE.


  • Can be expensive for large fund portfolios
  • Pricing
  • Market Access
  • Online Platform
  • Customer Service
  • Research & Analysis
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