Instant

Trade US stocks instantly

Buy and sell top US stocks commission-free with Wombat’s Instant General Investment Account (GIA). Get started in minutes.
Commission-free trading
400+ US fractional shares
Start with £10
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4.6 - 750+ reviews

Remember, your capital is at risk. Foreign exchange & other fees may apply, please see our pricing table.

GIA app screens

FSCS Protected*​

Your money may be protected up to £85,000 by the Financial Services Compensation Scheme (FSCS)*

Security​

Bank-level encryption. No data sharing with third parties without consent.

Trusted

Loved by new and experienced investors alike. 
Fractional Shares

Fractional shares

Get instant access to the top companies on the NYSE. Don’t want an entire share? Own a piece of your favourite brands from just £10. Capital at risk. Other fees apply. Fractional shares only available with Instant GIA.
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Get started with a wombat account

General Investment Account (GIA)

Got long-term investment goals? Open a GIA in minutes and start investing from £10. You’ll need some photo ID to sign up.
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Cashback

Help your portfolio grow faster with cashback each time you invest with our Instant GIA. T&Cs apply.
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invest instantly

Buy and sell without the wait

Seize as many opportunities as you want with unlimited commission-free trading on Instant. Buy and sell without the wait. Other fees may apply, please see our pricing table.
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Instant GIA

Enjoy simple, accessible investing

Invest with confidence, not with high fees. Remember, your capital is at risk. Other fees may apply, please see our pricing table.
Unlimited commission-free trading
Open a GIA and start investing in minutes
Fractional shares in world-leading brands
Get cashback every time you invest
UK-based customer support team, available 7 days a week, 365 days a year
Access to the Wombat Learning Hub
Get started
See pricing

Download the app

You’re a tap away from commission-free investing. Capital at risk
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Trusted by thousands

If there’s one thing we love, it’s breaking down barriers.
"Super easy to use and great app. I will definitely keep using for future investing. Will also recommend to family and friends."
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"Awesome and user friendly with clear details"
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"Easy to use for a total beginner. The customer service is amazing, very quick to answer any questions and resolved issue easily."
Easy to use and easy to follow. Easy to use and easy to follow. Makes investing affordable and a lot less complicated.
" Perfect I'm pretty time poor & this app gives me great access to tech stocks in Europe and the US while also helping me build a balanced portfolio & save each month without having to worry..."
"Investment made easy, haven't been doing it for long but from what I hear, it's the start of something good "
"Great little app Would highly recommend to those new to investing in stocks and shares. Simple and effective UI."
"Great intro to investing I've been really into investing, as never really knew where to start! But Wombat has made a seemingly daunting topic really easy to get to grips with, and it's exciting..."
"I am so happy I downloaded this app. It's so easy to use and understand and just amazing!!"
"Great ux, low charges and easy to set up. Great ux, helpful guides for beginner investors, low charging structure and easy to register."
"Makes investing really accessable. I really like the mix of fractional shares and ETFs, helps me to build a really diverse portfolio really  quickly. UX is slick and easy to use. Top marks from me!"
"This is a great app This is a great app for the new investors. Very easy to use and it works like a saving account! 10/10"
"Wow, what a great app! Great, easy, intuitive UI. Easy investing with great returns (so far). I'm a big fan of the themed funds, gives the  user a sense of purpose behind their investment. All round ...
"Best trading app for beginners It's easy to use and best in the market app, specially for beginners."
Fantastic app, simple, quick and easy to understand with helpful customer service. Great for long term investors. Love the instant  deposit feature.. Keep up the good work Wombat!
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Frequently asked questions

How do I open an Instant GIA or Standard GIA/ISA/JISA?

Opening an investment account with Wombat is quick and easy. You’ll need to download the Wombat app, available on the Play Store or the App Store. Once you’ve installed the app, enter your details to register for Wombat, and select the account you’d like to open to start the ID verification process.

What are the fees for an Instant GIA with Wombat?

You can open a Wombat Instant GIA for free. There is no subscription fee, or annual platform fee, for this account.

We do charge a 0.65% Foreign Exchange (FX) fee on each individual buy and sell, which is simply to cover the costs of exchanging currencies from GBP to USD. 

Did you know that you also get 0.2% cashback on every buy you make with an Instant GIA? You just need to place a buy, and weekly, the cashback will automatically be applied to your Wombat cash account. See the full cashback T&Cs.

View our pricing.

What is Wombat’s cashback bonus?

Every time you invest in a share with our Instant GIA, you’ll get 0.20% cashback straight into your cash account. Cashback is uncapped so the more you trade; the more you earn. Exclusively with Wombat. You can view the full cashback T&Cs.

Are there any restrictions on how often I can trade with an Instant GIA?

You can trade as often as you like, as long as you are not day trading. A day trade constitutes buying and selling the same asset within the same day. Your account will be frozen for 90 days if you day trade 3 times or more within 5 days. Day trading is extremely high risk and market volatility can greatly amplify loss, leading to substantial financial risks. 

The shares available for our Instant GIA are traded on the New York Stock Exchange (NYSE) which is open Monday-Friday (excluding US bank holidays) 9:30 am to 4:00 pm New York (NY)/Eastern Time (ET). This is usually 14:30 - 21:00 UK time but is subject to change according to daylight savings time. If you place your trade outside of market hours, you can expect your pending trades to complete when the NYSE next opens.

What is a General Investment Account (GIA)?

GIA stands for General Investment Account, and it’s a standard investing account which is not tax-free. This means that you are liable to pay taxes on any realised capital gains. However, there is no limit to how much you can invest, or how many GIAs you can have. 

Wombat offers two GIAs: 

  • Instant GIA: Invest in real-time with live-pricing in 400+ US fractional shares, get price alerts on your favourite stocks and earn 0.2% cashback on investments. 
  • Standard GIA: Execute daily orders in ETFs and fractional shares, and utilise Round Ups and Auto Invest. 

View more information on both of there accounts on our GIA webpage. Please note, tax treatment depends on the individual circumstances of each client and may be subject to change in future.

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