What it does
Bestinvest provides UK investment accounts with fund and share research, ready-made portfolios and planning support. Customers can choose investments themselves or use a prepared portfolio. Free coaching helps existing clients discuss their approach, while personal investment recommendations belong to separate advice services.
Bestinvest offers separate searches for funds and shares, with sector views for narrowing a research list. Ready-made portfolios provide another route when you do not want to select every holding. Begin with the account type, then decide how much of the investment selection you want to handle yourself.
Existing customers can book a free coaching appointment through the Coaching tab in their account. Choose Book an appointment, select a time and describe the questions you want to discuss. Sessions take place by video or phone, generally last about an hour and include a follow-up summary. Coaching is educational: it does not give a personal recommendation to buy or sell a particular investment. A portfolio health check and financial advice are separate paid services.
Annual service fees are billed monthly. On the first £250,000, ready-made portfolios and US shares have a 0.2% rate; other funds and UK shares have a 0.4% rate. Lower tiers apply to larger balances. Online UK share and ETF trades cost £4.95; US share dealing has no commission but can incur a 0.95% currency-conversion charge. Fund dealing is free. Best SIPP has a £10 monthly minimum service fee, with Junior SIPPs excluded from that minimum.
The standard adult application is for residents aged 18 or over in the UK, Channel Islands or Isle of Man; ISA tax-residence rules are more specific. US citizenship and US tax connections can make applicants ineligible. Opening an account requires personal, address and tax-residence details.
Strengths
- Combines individual investment research with ready-made portfolios
- Existing clients can book a coaching session and receive a written follow-up
- Coaching and personal investment advice have clearly different scopes
Watch out for
- Free coaching does not include personal buy or sell recommendations
- Holding fees, dealing charges and currency conversion can add separate costs
Best for
- Eligible UK investors who want research plus help discussing their plans
- Customers comparing self-selected investments with prepared portfolios
Sources
- Bestinvest investment accounts, research and portfolio services (Oct 27, 2026)
- Bestinvest service fees and dealing charges (Oct 27, 2026)
- Bestinvest coaching scope and appointment process (Oct 27, 2026)
- Bestinvest account opening and eligibility (Oct 27, 2026)