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Types of Account Overview

TD Direct Investing provides a range of accounts to suit every investing need.

Type of Account Investment Choices Who is it for?Key Benefits Costs
TD Trading Account UK equities, gilts, bonds, investment trusts, unit trusts, OEICs, Exchange Traded Funds (ETFs) and International equities. Investors looking for simple, fast and easy online trading in UK and International equities with the option to reduce paper received.
  • Limit Orders.
  • Company and share price research.
  • Extended settlement.
  • Personal Trading Level (subject to status).
  • Real Time Prices.
  • See full details of the risks involved.
Commissions for International trading are the same as for UK trading starting at just £8.95 online. See full rates and charges.
TD Trading Plus Account All of the above plus: Warrants and Securitised Derivatives including covered warrants. Investors and Traders who not only wish to trade UK and International shares but also Warrants and Securitised Derivatives such as covered warrants
  • Direct trading on 17 international markets.
  • Trade covered warrants long & short. Potential profits from price rises and falls.
Commissions for International trading are the same as for UK Trading starting at just £8.95. See full rates and charges.
TD Regular Investment Account UK-listed sterling quoted equities, including FTSE 350 company shares, Funds and Exchange Traded Funds (ETFs). Investors wishing to build up share and fund holdings on a monthly basis at low cost.
  • Normal Trading and Trading ISA available.
  • Min investment equities £25, funds £50 per month.
  • No tie ins.
  • Pound Cost Averaging.
  • See full details of the risks involved.
  • Commission is just £1.50 per trade for stocks.
  • No fund commission but possible fund manager charge.
  • Many funds discounted to 0%.
TD Trading ISA ISA eligible UK and International Equities, Gilts, Bonds, Investment Trusts, Unit Trusts, OEICs and Exchange Traded Funds (ETFs). Investors wishing to take advantage of tax free returns on investments.
  • Invest up to the maximum subscription limit per tax year.
  • No Income or Capital Gains Tax on investments*.
  • Multiple fund types allowed within one ISA.
  • See full details of the risks involved.
  • Commission from £8.95 online.
  • No initial set-up fee.
  • £0 annual fee on account valuations £5,100+.
  • £30 annual fee for account valuations up to £5,099.99.
TD SIPP (Self Invested Personal Pension) Cash deposits ,UK Equities (including AIM), International Equities, Gilts and Bonds, Investment Trusts, Unit Trusts, OEICs & Exchange Traded Funds, REITs ,Warrants and Securitised Derivatives including covered warrants. People saving for their retirement who want to control their own pension investments.
  • Flexibility to switch investments within your SIPP.
  • Investments grown free from UK Income and Capital Gains Tax*.
  • Investments grow free from UK Capital Gains Tax*.
  • See full details of the risks involved.
  • Trading commissions start from just £8.95 online.
  • No initial set up fee.
  • See full rates and charges for our SIPP.
TD Derivatives Trading Derivatives with exposure to UK, US, European and other international equities, indices, sectors, commodities and FX. Active traders who wish to place a portion of their assets into high risk investments in exchange for potentially high returns. Please note that losses can be large as well.
  • Low margin requirements.
  • Profit from falling or rising markets by trading long or short.
  • Stop losses to limit and manage risk.
  • Currently no UK stamp Duty*.
  • See full details of the risks involved.
Commissions are charged for Derivatives trades depending on the instrument purchased. Read full details of our charging structures.
TD Financial Spread Trading Financial Spread Bets on UK, US, European and other international equities, indices, sectors, commodities and FX. Active traders who wish to place a portion of their assets into high risk investments in exchange for potentially high returns. Please note that losses can be large as well.
  • Low margin requirements.
  • Profit from falling or rising markets by trading long or short.
  • No UK stamp Duty*.
  • Free from UK capital gains tax*.
  • See full details of the risks involved.
We do not charge commission, the cost of the service is built into the spread that we offer depending on the product purchased.
TD Certificated Account UK Equities(including AIM and the PLUS Market). Occasional traders wishing to hold your own paper share certificates and send payment as and when you trade.
  • Trade by telephone.
  • Real time prices through automatic quote line.
  • Postal or email contract notes.
  • See full details of the risks involved.
Trading in paper certificates is charged at our standard commission rates plus £50.
TD Savings Account Cash Investors wishing to earn competitive interest rates on uninvested cash.
  • Competitive interest rate of 0.25% AER** (0.20% net***, 0.25% gross****).
  • No restrictions on withdrawals.
  • Interest accrued daily and paid quarterly.
  • No minimum balance required.
  • Easy transfers and access to your cash.
  • See full details of the risks involved.
You can apply for a TD Savings Account free of charge with our Trading Account and Trading Plus Account.

Other Accounts

Live Streaming prices are available through TD ProTrader®, our subscription service.

TD also offer a range of specialist services such as accounts for overseas residents, Companies and Investment Clubs. » Find out more about our other accounts.

Open an Account Today

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    You can set up your account online today!

  • call 0845 607 6002

    By Phone

    Lines are open Monday to Friday 7.30am to 9pm and Saturdays 9am to 3pm

*Please note: The tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in the future.
**AER stands for Annual Equivalent Rate (contractual rate when paid and compounded each year). The AER as stated is calculated at 10.02.11.
*** Net rate is the amount of interest which would be payable after the deduction of income tax specified by law.
**** Gross rate is the contractual rate before the deduction of income tax at the rate specified by law.

 

Existing Customers

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    Upgrade your account to enable international trading.

    Login and go to Account Administration/Account Upgrades.

  • By Phone

    Call us to upgrade by telephone 0845 607 6002

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Risks

  • The value of your investments can go down as well as up. You may not get back all the funds that you invest.
  • TAX EFFICIENT PRODUCTS:
    Please note the tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in future.
  • INTERNATIONAL TRADING: The potential for profit or loss from transactions on foreign markets or in foreign denominated contracts will be affected by fluctuations in foreign exchange rates.
  • ISA: The annual admin fee on our Stocks & Shares ISA = £0 *Minimum valuation £5,100. Terms apply.
  • FUNDS: Funds do not incur commission but there may be a Fund Manager charge, which is a percentage of the value of your investment. This can differ depending on the fund.The potential for profit or loss from transactions on foreign markets or in foreign denominated contracts will be affected by fluctuations in foreign exchange rates.
  • WARRANTS: Warrants are not suitable for everyone. You should not deal in warrants unless you understand their nature and the extent of your exposure to risk. You should be satisfied that they are suitable for you in the light of your circumstances and financial position.
  • SIPP: The value of investments can go down as well as up. You may not get back all the funds that you invest and the amount provided for the pension upon retirement may be affected.
  • CAPITAL GAINS TAX/STAMP DUTY: Tax laws may change and are subject to individual circumstances.
  • Derivatives/Financial Spread Trading: Margin Products and Spread Trading carry a high degree of risk to your capital. Losses can quickly and substantially exceed your initial investment. Margin Products and Spread Trading are not suitable for all investors. The tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in future. Trading Margin Products may require you to make further margin payments. Whilst profits made from Spread Trading are not subject to Capital Gains Tax (CGT), you are unable to offset any losses against capital gains for CGT purposes. You should fully understand the risks and seek independent advice if necessary.  

**AER stands for Annual Equivalent Rate (contractual rate when paid and compounded each year). The AER as stated is calculated at 10.02.11.

*** Net rate is the amount of interest which would be payable after the deduction of income tax specified by law.

**** Gross rate is the contractual rate before the deduction of income tax at the rate specified by law.

The value of your investments can go down as well as up. You may not get back all the funds you invest.

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