Launch winning investment offerings in the UK

Offer modern wealth, trading, and pension products that your end users will love.

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Map of Europe with the United Kingdom highlighted in white and the rest of Europe in blue grid pixels.

Offer any
proposition

Whether you are launching investments, modernising or expanding your D2C offering or streamlining your advised proposition, Upvest offers trading and wealth functionality via a single API.

Stand out on product and UX

Build industry-leading propositions with account opening in less than a second, instant funding, and competitive costs below £1 per trade.

Capture first-mover advantage

Benefit from regulatory changes (e.g. targeted support, ISA and pension reforms) and exceed retail investor expectations with engaging and AI-enhanced investment propositions.

Global investment infrastructure, localised for the UK market

Tax wrappers and pensions

Stocks and Shares ISAs and JISAs, and SIPPs, including contribution tracking, tax relief, and transfers.

Account types

Support for a range of account types (individuals, joint, business and child accounts).

Local and global asset coverage

Real-time and fractional access to 100k+ instruments including stocks, ETFs, mutual funds, ELTIFs/LTADs and bonds in GBP, USD and EUR.

End-user and regulatory reporting

End-user reporting (e.g. tax certificates, valuation reports, costs and charges, transaction statements) and regulatory reporting (e.g. HMRC and MiFIR) out-of-the-box.

Protected client assets and money

Custody of client assets in strict compliance with local CASS safeguarding requirements.

Cash accounts

Flexible cash account and settlement options. We can support your existing cash accounts or offer Upvest’s cash account solution.

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Product

Investment infrastructure across brokerage, settlement, and custody

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Licences

Full investment firm licence coverage by the FCA*

Operations

Embedded middle- and back-office services for investment operations

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Offer the full spectrum of UK investment accounts and tax wrappers

SIPPs (Self invested personal pensions)

Win the UK's pension investors with a flexible, tax-efficient account that gives them control over their retirement savings.

Mobile screen showing SIPP total £74,365.64 with fund allocations and gains, plus add cash option.

The tax-efficient pension built for modern UK investors

  • Tax-advantaged pension

    Gross contributions are topped up by 20% by the government, within the annual allowance of up to £60,000. Higher- and additional-rate taxpayers can claim further relief via their tax return

  • Annual allowance

    Up to 100% of earnings per year or £60,000 (whichever is lower)

  • Tax-free growth

    Growth and income accumulate free of tax, with income tax deferred until withdrawal (i.e. no tax on UK dividends, interest, or capital gains)

  • Tax-free lump sum

    In retirement, 25% can be claimed tax free, up to a maximum of £268,275

Be the pension provider UK investors choose first

  • SIPP accounts

    Leverage end-to-end SIPP account functionality including fully digital user onboarding and account creation, contribution management, tax relief, transfers, decumulation, and drawdown management

  • Pension finding and consolidation

    Automated transfers and consolidation of end-user pension pots

  • Regulatory and end-user reporting

    Handling of end-user level reporting and regulatory reporting throughout the SIPP lifecycle

  • Investing on autopilot

    Customisable recurring investments, with automated withdrawals at decumulation

Stocks & Shares ISAs (Individual savings accounts)

Win the UK investors who make every penny count.

Mobile screen showing Stocks & Shares ISA with total £14,203.47, funds, and allowance details.

The investment account to grow wealth tax-free in the UK

  • Tax-free investing

    No tax on dividends or capital gains

  • Annual allowance

    Up to £20,000 per tax year across all ISAs

  • Flexible access

    Unlimited withdrawals and replacement contributions in the same year without impacting the allowance

Tap into the UK’s most trusted investment wrapper to drive long-term user retention

  • Flexible ISA accounts

    Manage ISA allowances, contributions, and withdrawals within the tax year, all tracked automatically

  • Transfers handled end-to-end

    Leverage full and partial transfers in and out, including moving from existing Cash ISA to Stocks & Shares ISA

  • Built-in compliance

    Streamline and automate HMRC and end user reporting, instrument eligibility management, and support for voids and repairs

  • Choose your model

    Choose whether Upvest operates as the ISA manager or supports you in the role via outsourcing

Stocks & Shares JISAs (Junior individual savings accounts)

Encourage long-term wealth building from an early age.

Mobile screen showing Junior ISAs for Emma and Jack with balances, growth, and investment details.

The investment account that gives children a head start

  • Tax-free savings account for children

    No tax on dividends, interest, or capital gains on investments

  • Annual allowance

    £9,000 per tax year

  • Converts into an ISA

    At 18, the JISA automatically converts to an adult ISA which can be withdrawn from or used for continued investing

Let your end users set up their children for success with a tax-efficient JISA

  • JISA accounts

    Offer end-to-end JISA account functionality including allowance and contribution tracking as well as bonus administration and tax deferral (£9,000 tax-exempt investments annually)

  • Flexible account funding

    Allow JISA contributions from family members (e.g. grandparents) and friends for account funding

  • Automated conversion

    Retain end users seamlessly as JISAs automatically convert into ISAs when a child turns 18

GIAs (General investment accounts)

Launch flexible investment accounts to capture trading activity year-round and increase user engagement.

Mobile app screen showing investments total £52,794.42 with details for GIA, ISA, and SIPP accounts.

The investment account for every investor and every goal

  • Unlimited contributions

    No annual cap on how much can be invested

  • Full flexibility

    No limits on investible assets or withdrawals

  • Invest together or as a business

    Joint, business and trust accounts available to invest collectively or as an entity

Launch modern investment accounts that keep end users engaged all year

  • Self-directed trading

    Offer real-time fractions from £1 and recurring investments across all assets in GBP, USD and EUR

  • Discretionary portfolio management

    Deliver personalised investment experiences with multi-asset model or end-user portfolios (with custom instrument weightings and rebalancing logic)

  • End-user lifecycle made easy

    Manage the full end-user lifecycle, including account opening, funding, and management, reporting (with tax certificates), and corporate actions

How Zopa launched flexible ISAs in the UK within 6 months

End users can start investing in seconds with as little as £1 through instant onboarding.

Seamless transfer of assets from Cash ISAs to Stocks & Shares ISAs.

Instant buying power by leveraging Zopa’s existing cash accounts for investments.

Read the full story

How Webull expanded into the UK with Upvest’s investment infrastructure

Fast-to-launch, fully regulated investment setup for the UK market.

End users have access to UK stocks and ETFs through Upvest's API-first brokerage and custody stack.

Premium experience for retail investors with minimal operational overhead.

Read the full story

Build investment experiences
your end users in the UK will love

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