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BMO ISAs

Located in Essex, BMO is a private investor platform that has been managing clients’ money since 1817. It now has over 20 offices in 14 countries worldwide.

BMO Stocks and Shares ISA

BMO’s Stocks and Shares ISA allows you to invest up to £20,000 in the 2023/24 tax year. This tax-efficient investment plan lets you tap into the potential of the stock market to help your investments grow over the long-term.

The ISA acts as a wrapper to hold a range of different investments. The right ISA for you depends on your goals and your attitude towards risk – it offers the opportunity for stronger returns over the long-term, but you should be prepared to take on a higher level or risk. The annual account charge for this ISA is £60 with a dealing charge of 0.2% on sales and purchases.

Stocks and Shares Junior ISA

BMO’s Stocks and Shares Junior ISA allows you to invest on behalf of your child with a current annual limit of £9,000 for the 2023/24 tax year. This tax-efficient investment plan lets you tap into the potential of the stock market to help your child save up for university fees, a house deposit or other life needs.

This award-winning ISA lets you invest from as little as £30 a month or contribute a £500 lump sum up-front.

Other Services

As well as ISA, BMO offers a range of related financial services including investment accounts, trust funds and more.

BMO Reviews and Ratings

Online reviews for BMO are overwhelmingly bad with users complaining about very poor customer service levels, unhelpful staff, slow responsiveness and inept processes.

Trustpilot – 1.2/5 (based on 439 reviews)

Pros

  • A long established, credible company since 1817
  • Experienced fund managers
  • Large range of investment trust options
  • Access to a diversified and professionally run portfolio of shares
  • Option to ‘pool’ via 10 Investment Trusts
  • Award-winning Junior ISA: Online Personal Wealth Awards 2020
  • Useful online help guides, documents and glossary
  • 20 offices in 14 countries worldwide
  • Authorised and regulated by the Financial Conduct Authority
  • Assets are protected by the  Financial Services Compensation Scheme
  • Fast easy online setup

Cons

  • Stocks and Shares ISAs only
  • Cash ISAs, Lifetime ISAs or other ISA products not offered
  • Account fees and dealing charge fees
  • Very bad customer reviews
  • Multiple reports of poor customer service and inept, uncaring staff

Website: BMO

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Disclaimer: OurLifePlan.co.uk is a retirement and end of life information website only. We are not an insurer, financial planer, financial advisor, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. We strongly urge you to seek independent professional advice before buying any financial product and/or service. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We do our best to make it clear when information was published and try to keep it up to date and correct. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, prices, products and/or services. You use this website at your own risk and we accept no liability for any loss suffered. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use and will be fully disclosed. OurLifePlan.co.uk is the trading name of Brilliant British Ltd (Company number 10490224)