QuilterStocks & Shares ISA
£100 Free Cash
Value
£100
Quilter Invest is a UK investment app from Quilter plc, the FTSE 250 wealth manager that administers around £141.9 billion in assets for over 900,000 customers across its group. The app lets you open a Stocks and Shares ISA, Junior ISA, or general investment account, with no trading commission and shares available from £10.
Customers
900k
UK accounts
Founded
2017
9 years old
App Store
4.8 ★
33k reviews
Google Play
4.8 ★
6.8k reviews
Live offers
1
Worth £100
Quilter Invest is provided by Quilter Invest Limited, authorised and regulated by the Financial Conduct Authority (FRN 955775). Investments are held by Seccl Custody Limited (FRN 793200) and are FSCS-protected up to £85,000.
Quilter at a glance
A zero-commission investing app from FTSE 250 wealth manager Quilter plc, covering Stocks and Shares ISA, JISA, and general accounts. Quidsy's tracking a £100 TopCashback offer on it. Good shout if you want a familiar UK name without dealing fees eating into trades. No SIPP or Lifetime ISA wrappers here, though.
Updated:
Current Quilter offers
Review notes· 5 min read
Quilter details
Quilter Invest is a UK investment app from Quilter plc, the FTSE 250 wealth manager that administers around £141.9 billion in assets for over 900,000 customers across its group. The app lets you open a Stocks and Shares ISA, Junior ISA, or general investment account, with no trading commission and shares available from £10.
It's a sensible pick if you want a familiar UK name behind the app rather than the newest neobroker. The platform was incorporated as Wombat Invest in 2017, rebranded to NuWealth in mid-2024 after Quilter acquired it, then took the Quilter Invest name in October 2025.
Where it works best: anyone who wants to open an ISA, drip-feed money in, and pick a handful of funds or shares without paying per trade. It's less of a fit if you want a huge fund selection (Hargreaves Lansdown still beats it on choice), or if you're after wrappers like a SIPP or a Lifetime ISA, which Quilter Invest doesn't offer. If a no-trading-fee app from an established UK wealth manager sounds appealing, it's worth a look.
Is Quilter safe?
Yes, Quilter Invest is safe in the way any regulated UK investment platform is safe. The app is provided by Quilter Invest Limited, authorised and regulated by the Financial Conduct Authority under firm reference number 955775. Your investments are held in custody by Seccl Custody Limited (FRN 793200), and the FSCS protects up to £85,000 per person if Seccl were to fail.
Quilter Invest Limited is a wholly owned subsidiary of Quilter plc, a FTSE 250 company listed on the London Stock Exchange under the ticker QLT. The parent group has been managing UK money under various names since 1979, including the predecessor brands Skandia and Old Mutual Wealth, and administers around £141.9 billion across its platforms today.
Quilter plc's 2025 full-year results showed adjusted profit of £207 million, and Q1 2026 was a record quarter for net inflows.
One note on what "safe" actually means: FSCS protection covers you if the custodian or the platform fails. It does not cover investment losses. If the shares or funds you buy through Quilter Invest fall in value, that's normal market risk, not something the FSCS makes you whole on. That's true for every investment app, but worth saying clearly.
Who is Quilter Invest for?
Quilter Invest is aimed at people who want to invest in stocks and shares without paying trading fees. The app is straightforward and works well for beginners who want to open an ISA or buy their first shares.
It is particularly good for hands-on investors who want to pick their own investments but do not want to pay per trade. You can buy fractional shares from £1.
What does Quilter Invest do?
No trading fees
Buy and sell shares, ETFs, and funds with zero commission. The 0.25% annual platform fee is how Quilter Invest makes its money instead.
Stocks and Shares ISA and Junior ISA
Open an ISA and shelter up to £20,000 a year of investment growth and dividends from tax, or a JISA in a child's name.
Fractional shares from £10
Buy a slice of an expensive share like Apple or Tesla from £10 per trade, without needing the full share price up front. Note: fractional shares are only available in the general investment account, not the ISA.
Backed by a FTSE 250 wealth manager
A FTSE 250-listed wealth manager since 2018, with predecessor brands (Skandia Life, Old Mutual Wealth) dating back to 1979. Administers around £141.9 billion in assets across the group today.
Pros and cons
What stands out
4 pros- No trading commission on shares, ETFs, or funds
- Stocks and Shares ISA, Junior ISA, and general investment accounts
- Shares and themed funds from £10, with fractional shares available in the general investment account
- FSCS protection up to £85,000 and a FTSE 250 wealth manager behind the app
Worth knowing
4 cons- £2 per month subscription fee (currently not waived by the active NEWYEAR26 promo)
- 0.25% annual platform fee on top (drops to 0.15% with NEWYEAR26 until 31 May 2026)
- Smaller fund selection than older platforms like Hargreaves Lansdown
- No SIPP or Lifetime ISA wrappers available
Honestly, Quilter Invest is one of the more sensible investment apps for someone who's just starting out. The no-trading-fee model is properly useful if you plan to buy or sell more than a couple of times a year, the ISA wrapper is solid, and the FTSE 250 parent gives the app something the newer challenger brokers can't really match on history.
The £2 a month subscription plus the 0.25% platform fee isn't the cheapest setup on the market. The NEWYEAR26 promo code knocks 40% off the platform fee (down to 0.15%) until 31 May 2026, which makes it properly competitive on the percentage charge, though the £2 monthly fee stays in place.
For the £100 TopCashback offer we feature here, the steps are simple: open a Stocks and Shares ISA, deposit £1,000, hold it for about four months for TopCashback to validate the sale, and you collect the £100 in the fifth month. Use the NEWYEAR26 code at signup to keep the platform fee low while you wait. That £100 sits on top of whatever the £1,000 itself does in your chosen investments, up or down.
Worth it if you were planning to open an ISA anyway and you're comfortable holding the £1,000 in for the four months.
Quilter FAQs
Quilter Invest charges two things on your account. The first is a £2 per month subscription fee. The second is a 0.25% annual platform fee on the value of your holdings, which drops to 0.15% with the NEWYEAR26 promo code (valid until 31 May 2026). Quilter plc, the parent group, also earns from financial advice, asset management, and discretionary investment services across its wider business.
Quilter Invest doesn't publish a fixed account-opening minimum for the Stocks and Shares ISA. Once your ISA is open, individual investments start from £10 for themed funds or whole shares; fractional shares are only available in the general investment account, not the ISA. For the £100 TopCashback offer specifically, the minimum deposit is £1,000, and that money has to stay in the account for around four months before TopCashback validates the cashback and pays it out in the fifth month.
Yes, the same way you can with any investment platform. Your investments are held in custody by Seccl Custody Limited and are protected by the FSCS up to £85,000 if Seccl were to fail, but that's a different thing. FSCS doesn't compensate you if the funds or shares you've picked drop in value. Investment value rises and falls with the market, so anything you put into the app is at risk in the ordinary investment sense.
Quilter Invest charges £2 a month as a subscription, plus a 0.25% annual platform fee on the value of your account. With the NEWYEAR26 promo code (valid until 31 May 2026) you get 40% off that platform fee, bringing it down to 0.15%; the £2 monthly subscription is not waived. There are no trading commissions on shares, ETFs, or funds. Foreign exchange fees apply on overseas trades at a flat 0.40% of the trade value.
Next step
Choose your route with Quilter
£100 Free Cash is the strongest live Quilter route we have listed right now.