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• How to access your GIC account with our Mobile Banking App and Online Banking
• What you can manage with the app vs online banking

• How to research funds via the mobile app
• How to research funds with online banking
• How to research UK shares and ETFs via the mobile app
• How to research UK shares and ETFs with online banking
• How to review your investments

• How to buy a fund
• How to set up a monthly investment plan
• How to change or cancel a monthly investment plan
• How to switch funds
• How to sell funds
• How to buy UK shares and ETFs
• How to top up UK shares or ETFs that you already hold
• How to sell UK shares or ETFs
• How to transfer an ISA to your account
• How to move funds / shares / ETFs from your GIA to your ISA
• How to use your uninvested cash account (UCA)

• How to check your account fees
• How to open an additional ISA or GIA
• How to reactivate an ISA
• Useful documents for the Global Investment Centre

• Any other questions?

Remember, when you manage your investments online, you’ll be making your own decisions without advice. Find out more about our investment advice.

To access your GIC account on the app:

1. Log on to the ���سԹ� UK Mobile Banking App
2. Select ‘GIC ISA’ or ‘GIC GIA’ from the list of accounts on your home screen
3. Go to the ‘Portfolio’ tab to view your account dashboard, or switch to the ‘Explore’ tab to see what GIC has to offer

To access your GIC account through online banking:

1. Log on to your online banking as normal
2. Select ‘Account services’ on the top menu, then go to ‘Investments’ and select ‘Investment dashboard’
3. On the ‘Account summary’ page, you can see the holdings in your GIC ISA / GIA by selecting ‘Show Holdings’ next to the account name

If you've never invested with us before you'll need to:

1. Log on to the ���سԹ� UK Mobile Banking app
2. Select ‘Save & Invest’ and then ‘Explore investments' with us
3. We'll then walk you through everything you need to know to get started

 If you already have investments with us you can:

1. Log on to the ���سԹ� UK Mobile Banking app
2. Select ‘Save & Invest’ and then ’Invest in more’
3. On the 'Explore' screen, select 'Explore 100s of funds across our full catalogue'
4. Once the catalogue is open, you can sort the funds alphabetically, or filter by provider, investment type and more
5. Select a fund to view more details, including its current price and past performance

Once you've logged on to the GIC, you can start researching our full range of funds.

To do this:

• Select 'Investing’ > 'Discover funds’

To find a specific fund you can either:

• Type in a keyword, the fund name or the Stock Exchange Daily Official List code (SEDOL) in the quick search box, or
• Pick an option to refine your search

You can also search and compare the information and performance of up to 5 funds.

1. Log on to the app
2. Select ‘Save & Invest’ at the top of the screen
3. Tap on ‘Invest in more’ to go to the explore tab
4. You can search by typing the name of a UK share or ETF into the search box - or pick one of the options available to explore your investment options
5. On the details page, you can find out information about the specific investment, such as a past performance chart and other Key Documents

1. Log on to online banking
2. Select ‘Account services’ on the top menu followed by ‘Investment dashboard’ under ‘Investments’
3. Go to ‘Your investment dashboard’ under ‘Account summary’
4. Select ‘Discover shares & ETFs’ under ‘Quick Links’
5. Choose from ‘Explore shares’ or ‘ETF Screener’ to explore your investment options
6. You can also select ‘Heatmap’, ‘Indices’, ‘Market Movers’ or ‘News’ to continue your research

To review your investments:

On the app:

1. Log on to the app
2. Tap on ‘Save & Invest’ in the top menu
3. Select “GIC investments” under “Overview – breakdown”
4. Review your investments under the “Portfolio” tab

Via online banking:

1. Log on to online banking
2. Select ‘Account services’ on the top menu followed by ‘Investment dashboard’ under ‘Investments’
3. Go to ‘Your accounts’ under ‘Account summary’
4. Click on ‘Show holdings’ next to your GIC ISA or GIC GIA account to check the performance of your holdings

1. Decide if you'd like to invest a new fund, or top-up an existing fund

You can review the fund details and find all the documents you might want to read before buying the fund.

When you're ready, select 'Buy' and you'll continue to 'Buy order details'.

To buy a fund, you'll need to enter your:

• Order instruction – this will be selected as 'Buy'
• Chosen investment account – this is usually either your 'Stocks & shares ISA' or your 'General Investment Account'
• Payment account – select which ���سԹ� current or savings account you’d like to make the payment from. Or, if you have money available in your uninvested cash account, you can select this instead
• Amount – enter how much you’d like to invest and select ’Preview order'

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agree to the terms.

You’ll see a confirmation that we’ve received your buy instruction. If you’re paying for your funds from an ���سԹ� bank account, we’ll move the amount you’re investing into your uninvested cash account while we process the purchase. 

To track your order:

• Select ‘Investments transactions’ 
• Then 'Order status'

Within 1 business day of purchasing your funds, we’ll send you a contract note. You'll receive this either via the 'My documents' section on your online banking or by post. And within 4 business days, we’ll collect the money from your cash account to complete your purchase.

After your purchase is fully complete, your shares will be shown on the 'Your holdings' page under 'Account summary'. This will be regularly updated with recent fund valuations, so you can track the performance of your shares.

You can set up automatic investments instead of logging on each month to make a trade. Follow the steps in How to buy a fund to choose if you'd like to set up automatic investments for a new or existing fund. Please note that monthly investment plan is currently only available for managed funds, but not for shares nor ETFs.

Once you've chosen a fund that you'd like to set up automatic investments for, review the fund details and find all the documents you might want to read before buying the fund. 

When you’re ready, select 'Monthly investment plan' at the top of the page.

You'll need to enter your:

• Monthly investment plan name – enter a name that you’ll recognise for example, it could be linked to your investing goal, such as, retirement fund
• Chosen investment account – this is usually either your 'Stocks & shares ISA' or your 'General Investment Account'. To set up a monthly investment plan into an ISA Account, your ISA must be active. Find out how to reactivate your ISA
• Payment account – select which ���سԹ� current or savings account you’d like to make the payment from
• Monthly savings amount – enter how much you'd like to invest each month
• Monthly savings date – select the date you’d like the payment to be taken from your account
• Start month – select the month you want us to collect your first payment and then select ‘Preview order’

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.

We’ll send you confirmation of your monthly investment plan. You'll receive this either via the ‘My documents’ section on your online banking or by post.

Each monthly investment plan payment will appear in your Global Investment Centre statements. You’ll also be able to see the transactions via the ‘Investments transactions’ tab in your online Global Investment Centre.

You can change the amount you invest, the collection date or the account the payment is taken from for your monthly investment plan.

To do this:

1. Log on to the GIC
2. Select ‘Manage monthly investment plan' in the ‘Quick Links’ 
3. Select the plan name you'd like to change or cancel - if you can change or cancel the plan yourself, you’ll see ‘Modify’ and ‘Cancel’ buttons 
4. Once you've followed the steps, you’ll see a confirmation page. We’ll also send you a confirmation either via the ‘My documents’ section on your online banking or by post.

If you don't have the option to 'Modify' or 'Cancel' your monthly investment plan, this may be because your plan was set up when you received financial advice from us, or it's associated with a fund that's been discontinued. If this is the case, give us a call and we can help you over the phone instead.

You can switch from one fund to another if you want to change the balance of your investments. This guide is how to switch funds you’ve chosen yourself. If you want to switch funds you’ve bought through an adviser, call us and we’ll do this for you over the phone. Please note that we currently only allow switching of managed funds but not switching of shares nor ETFs.

• Select ‘Account summary’ > ‘Your holdings’
• Find the fund you want to switch from and choose ‘Trade’

This will take you to the 'Fund details'.

Select ‘Switch’ and enter your:

• Order instruction – this will be selected as 'Switch’
• Investment account – choose your 'Stocks & shares ISA' or your 'General Investment Account'
• Amount to switch – select whether you want to ‘Switch all’ or ‘Switch part’ of it. If you'd like to switch part of it, enter how much you’d like to switch, which can be either a GBP amount or an amount of shares. Then, select ‘Continue’.

Either enter the fund code or name in the quick search box, or choose ‘See all available funds’. Then, choose ‘Preview order’.

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.

You’ll see a confirmation that we’ve received your instruction. 

Switching trades normally take longer than a 'Buy trade' because we need to sell shares from the existing fund before we can purchase shares from the new fund.

Within 1 business day of switching your funds, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post.

To track your switch order, select ‘Investments transactions’ > ‘Order status’.

Part of managing your own investments is deciding which funds you want to sell and when, so we'll explain how to sell them.

Select ‘Account summary’ and select ‘Your holdings’. Find the fund you want to sell and click ‘Trade’. This will take you to the 'Funds details' page.

2. Place an order

Select ‘Sell’ from the top of the page and then enter your:

• Order instruction – this will be selected as ‘Sell’
• Investment account – choose your 'Stocks & shares ISA' or your 'General Investment Account'
• Amount to sell – select whether you want to ‘Sell all’ of your current fund or ‘Sell part’ of it. If you'd like to sell a partial amount, enter how much you’d like to sell, which can be either a GBP amount or an amount of shares. Then, select ‘Continue’.

Review the information to make sure it’s correct. Then, check the tick box at bottom of page to confirm you’ve read the documents and agreed to the terms.

You’ll see a confirmation that we’ve received your instruction. 

Within 1 business day of selling your funds, we’ll send you a contract note. You'll receive this either via the ‘My documents’ section on your online banking or by post. The proceeds of the sale will be paid to your uninvested cash account within 4 business days of us receiving your sell order. Remember that uninvested cash accounts pay 0% interest so you may not wish to leave the cash uninvested for a long period of time.

To track your sell order, choose the ‘Investments transactions’ tab, then ‘Order status’.

When you sell fund shares from an ISA Account, the cash you receive in your ISA’s cash account stays within your ISA. This means it retains its tax-efficient status so you can re-invest it into another fund or funds whenever you’re ready.

But remember, if you withdraw cash from your ISA uninvested cash account, it will no longer be contained within an ISA, so any potential ISA-related tax benefits will be lost.

Or, you can transfer the cash out to another ISA, which pays interest on cash. 

On the app:

1. Log on to the ���سԹ� UK Mobile Banking app
2. Once you’ve found the shares or ETFs you’d like to buy, select it to enter the ‘Shares and ETFs details’ screen
3. From here, tap ‘Continue to buy’ on the app
4. Choose which investment account you want to use (Stock & Shares ISA or GIA) and select ‘Get started’
5. Enter your payment details
6. Choose 'Limit Order' or 'Market Order'. If you choose 'Limit Order', you'll need to input the limit price
7. Input quantity or amount you want to buy
8. Confirm your order

Via online banking:

1. Log on to online banking
2. Once you’ve found the shares or ETFs you’d like to buy, select it to enter the Shares and ETFs detail screen
3. From here, click ‘Buy’
4. Choose which investment account you want to use (Stock & Shares ISA or GIA)
5. Choose which payment account you want to use
6. Choose 'Limit Order' or 'Market Order'. If you choose 'Limit Order', you'll need to input the limit price
7. Input the amount or quantity you want to invest
8. Select 'Preview Order'
9. Check the details you’ve input and confirm

On the app:

1. Log on to the ���سԹ� UK Mobile Banking app
2. Select your ‘GIC ISA’ or ‘GIC GIA’ from the account list on your home screen
3. Choose your account (GIC ISA or GIA)
4. Tap the investment holdings you want to invest more in under ‘Portfolio’ to go the UK shares or ETFs detail screen
5. From here, tap ‘Buy more’
6. Continue the journey according to the Buy UK shares or ETFs section

Via online banking:

1. Log on to online banking
2. Find the investment holdings that you want to top up via the steps in “Review your investments”
3. Select ‘Trade’ and this will take you to the UK Shares or ETFs detail screen
4. From here, tap ‘Buy’
5. Continue the journey according to the Buy UK shares or ETFs section

On the app:

1. Log on to the ���سԹ� UK Mobile Banking app
2. Select your ‘GIC ISA’ or ‘GIC GIA’ from the account list on your home screen
3. Find the investment holdings that you want to sell
4. Select the investment holdings to enter the UK shares or ETFs detail page
5. Select ‘Sell’
6. Choose the account you want to sell from (ISA or GIA) if you have the same holdings under both accounts
7. Select 'Order type' (market order or limit order)
8. Input the amount or units you want to sell
9. Review your order and confirm

Via online banking:

1. Log on to online banking
2. Find the investment holdings that you want to sell via the steps in “How to review your investments”
3. Select ‘Trade’ and this will take you to the UK shares or ETFs detail screen
4. From here, tap ‘Sell’
5. Choose the account you want to sell from (ISA or GIA) if you have the same holdings under both accounts
6. Select 'Order type' (market order or limit order)
7. Input the amount or units you want to sell
8. Review your order and confirm

You can transfer any of the following ISAs or holdings from another provider to your Global Investment Centre account:

• Cash ISAs
• Matured Child Trust Funds
• Stocks & Shares ISAs with other providers – either cash or fund holdings (if we offer the same fund as your current provider)
• holdings held outside an ISA (if we offer the same fund as your current provider)

To make a transfer:

1. Log on to online banking
2. Select ‘Account services’ on the top menu followed by ‘Investment dashboard’ under ‘Investments’
3. Go to ‘Your investment dashboard’ under ‘Account summary’
4. Select ‘Transfer to us’ under “Quick Links”
5. Fill in the application form

Once you've done this, you’ll be shown what to do next. In some cases you may need to print the form, sign it and return it to us by post.

If you'd prefer to receive a printed form, just call us and we’ll send one to you.

To transfer your paper shares into GIC, print out our UK Share Transfer Form and follow the instructions.

If you have funds / shares / ETFs in your general investment account (GIA), you could choose to reinvest them in your ISA to take advantage of your yearly ISA allowance. You’ll need to have an active ISA.

To move funds, shares, or ETFs from your GIA to your ISA:

1. Sell funds from your GIA. Find out how to sell funds. Or sell shares & ETFs from your GIA. Find out how to sell shares & ETFs.
2. Once the funds / shares & ETFs have sold, the proceeds will be paid into your GIA uninvested cash account. Funds may take 4 business days to do so
3. Move the funds / shares & ETFs from your GIA to your ISA uninvested cash account
4. Buy funds / shares & ETFs in your ISA, making sure to select ‘ISA uninvested cash account’ as the payment account. Find out how to buy funds / Find out how to buy shares & ETFs

Your uninvested cash account (UCA) is linked to your General Investment Account (GIA) or ISA. It's an integral part of the account, so you can’t close it without closing your GIA and/or ISA first.

If you have both a GIA and ISA, you’ll have 2 UCAs – one for each type of account. If you have cash in your ISA UCA, it will count as part of your annual ISA subscription.

Your UCA pays 0% interest, as it's not designed to hold excessive amounts of cash for long periods.

Find out more about how and when you could use your UCA(s).

To see pending and previous quarterly account fees via online banking:

1. Log on to online banking
2. Select ‘Account services’ on the top menu followed by ‘Investment dashboard’ under ‘Investments’
3. Go to ‘Your investment dashboard’ under ‘Account summary’
4. Select ‘Account fee’ under ‘Quick Links’
5. Select the Investment account you want to check out on the Account Fee charged

Your account fee is paid from your nominated ���سԹ� UK account. If we’re unable to collect it from there, we’ll try your uninvested cash account.

If we’re still unable to collect the fee, we’ll sell some of your investments to cover it.

If you already have a General Investment Account (GIA) and want to open an ISA, or you have an ISA and want to open a GIA, here's how to do so with online banking:

1. Log on to your online banking as normal
2. Find 'GIC Investments' in your list of accounts
3. Select 'Investment dashboard' to access your full account
4. Select 'Open new account' from the 'Quick links'

And here is how to do so via the app:

1. Log on to the ���سԹ� UK Mobile Banking app
2. Select ‘Save & Invest’ at the top of the screen
3. Tap on ‘Invest in more’ to go to the explore tab
4. Scroll down to ‘More actions’ session. Select ‘Open a General Investment Account’ or ‘Open a Stocks & Shares ISA Account’

An ISA can become inactive due to:

• No subscriptions being made in the previous tax year
• A declaration to make subscriptions not being completed yet
• Your country or region of residency changing

You can find more information about our GIC fees and charges in our Fee Schedule. You can also read our Global Investment Centre Best Execution Disclosure Statement and Terms & Conditions.

If you've got a question we've not covered, log on to your Global Investment Centre account and select ‘Chat’ to get in touch.

Or if you'd prefer to speak to one of our team, give us a call on:

03456 076 180

Lines are open from 08:00 to 18:00 Monday to Friday, excluding bank holidays.