The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
If you want to take advantage of our trading reserve facility, we expect you to deposit at least £10,000 of eligible shares in your InvestDirect Plus account. We suggest you deposit these shares before you submit your trading reserve application. The trading reserve is subject to a variable credit limit of up to 50% of the value of eligible shares held in your account.
InvestDirect and InvestDirect Plus are execution only share dealing services. We don't give advice on share dealing. This product is offered without advice and, as such, we are not required to assess the suitability of this product for you. This means that the protection offered by the Financial Conduct Authority's rules on assessing suitability will not apply to this transaction.
As you will not be registered as the owner of company shares with the company's Registrar, you will not receive any correspondence or shareholder benefits from the company in which you hold shares. However, we will inform you of any corporate actions, for example, rights issues, where we receive due notification from the company. Instructions for these can be given online, by letter or by telephone. For further information regarding our nominee accounts please refer to the Bank InvestDirect and Bank InvestDirect Plus Terms and Conditions.
InvestDirect and InvestDirect Plus are provided by Bank Bank PLC which is authorised and regulated by the Financial Conduct Authority.
Most investments should be considered as a medium- to long-term commitment, meaning you should be prepared to hold them for at least five years.
The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.
† Our opening hours are Monday to Friday 7.30am to 9.30pm (excluding Bank Holidays), Saturday 10.00am to 4.00pm, Sunday Closed