revtothelimit - motorbike forum

Anyone using it?

I was looking at Stocks and Share's ISAs and they were recommended on the MSE website for people wanting to build their own with no fees.

They've been advertising on TV a lot recently too.

Using the link on the MSE website to sign up gets you some bonus free shares (randomly anywhere between £8-100 worth).

I've just signed up and started a stocks and shares ISA and added £25 to my account, it's given me £11.90's worth of Nvidia shares, which is nice.

I just have to work out what to buy with my £25 now

BTW, I have no idea what I'm doing (but I don't mind if I lose £25).

The wife is going to sign up too and we'll see who can make the most (or lose the least) over the next couple of months.

KungFooBob wrote: Fri Jan 09, 2026 5:58 pm Anyone using it?

I was looking at Stocks and Share's ISAs and they were recommended on the MSE website for people wanting to build their own with no fees.

No fees? How are they making any money out of it?

But no, not used them (hadn't heard of them tbh, but if MSE says they're OK I'd guess they are).

I use Charles Stanley for some things and Fidelity for others. Used to use egg but that ended up in various bits with Charles Stanley, Yorkshire Building Society, Fidelity and their credit card business went somewhere else as did the call centre in Derby. Completely atomised!

This could be a cool thread if a load of us do it with the same £25

It seems the exchanges charge a buying fee, but the platform itself doesn't have any that I can see.

I bought £5 worth of Alphabet and only got £4.99 worth after the buying fee.

weeksy wrote: Fri Jan 09, 2026 6:20 pm This could be a cool thread if a load of us do it with the same £25

We'd all get different amounts of 'Free' shares tho'

Free shares value probability

80%

£8.00 - £25.00

15%

£25.01 - £50.00

3%

£50.01 - £75.00

2%

£75.01 - £100.00

It's a bit fantasy football init?

There's even an option to do it with pretend money.

I'm already a penny down!

KungFooBob wrote: Fri Jan 09, 2026 6:24 pm I'm already a penny down!

All a bit tech-heavy and USA oriented...you've built a USA index tracker!

Count Steer wrote: Fri Jan 09, 2026 6:45 pm

KungFooBob wrote: Fri Jan 09, 2026 6:24 pm I'm already a penny down!

All a bit tech-heavy and USA oriented...you've built a USA index tracker!

I'm 4p up now, it sure changes quickly.

AI and Venezuelan petrol are the future!

I joined Nutmeg/JP Morgan after Gremmers mentioned it and bunged £600 in. Looks like things are going swimmingly after a brief drop!

KungFooBob wrote: Fri Jan 09, 2026 6:46 pm

Count Steer wrote: Fri Jan 09, 2026 6:45 pm

KungFooBob wrote: Fri Jan 09, 2026 6:24 pm I'm already a penny down!

All a bit tech-heavy and USA oriented...you've built a USA index tracker!

I'm 4p up now, it sure changes quickly.

AI and Venezuelan petrol are the future!

Wait until your Alphabet share dividend lands. Panigales all round!

(It's 0.27%)

The wife got £11.30 worth of free Tesla shares.

She's buying UK stuff and the markets don't open until Monday, so I've got a proper head start

I'm up 12p now, this is quite fun.

I've got £5K in an ISA with them. Decent app. No issues.

Do you have to do all the buying and selling yourself.?

Dodgy69 wrote: Fri Jan 09, 2026 8:26 pm Do you have to do all the buying and selling yourself.?

KFB has paid his mortgage off, so is landed gentry now! He probably has a stockbroker for such things...

Taipan wrote: Fri Jan 09, 2026 8:32 pm

Dodgy69 wrote: Fri Jan 09, 2026 8:26 pm Do you have to do all the buying and selling yourself.?

KFB has paid his mortgage off, so is landed gentry now! He probably has a stockbroker for such things...

Dodgy69 wrote: Fri Jan 09, 2026 8:26 pm Do you have to do all the buying and selling yourself.?

I've only looked at the Shares ISA option.

It's a bit of a faff to sign up, but once you're on, add some funds (get some free) and pick the companies you want to buy shares in.

It's like a fantasy league, you can buy and sell whenever the markets are open (but it will cost you a few pence, depending on how many you have), it's quite interactive.

If you want a managed plan where someone else makes the decisions, then this isn't for you.

For me it's just a bit of fun, I'm not expecting to make a mint (or any money at all), but my £25 will last longer than it does in the amusements at Cleethorpes

I'll have a look tomorrow, only £25 mind.

I opened a cash isa the other week, interest paid 1st of the month. It made £38 this month. 11k but made up to 16k around Xmas.

KungFooBob wrote: Fri Jan 09, 2026 6:21 pm It seems the exchanges charge a buying fee, but the platform itself doesn't have any that I can see.

I bought £5 worth of Alphabet and only got £4.99 worth after the buying fee.

There's usually a flat fee per trade (£10-ish), never seen anything that made buying a fivers worth of shares a sensible option before. Usually think in terms of £1k minimum.

Then there's the spread - the difference between the Buy price and the Sell price.

So that's where the money handle usually gets cranked but I can't see much income upside for this actual platform. Hopefully it puts the wind up a few others and they cut their charges.

(Charles Stanley key charges are
0.30% Platform charge
£4 Online fund trading charge
£10 Online share trading charge)