I really can’t do without an ISA to be honest.
£20k a year tax free is a no brained as I will max it out every year easily. That’s over 25 years £500k, without any gains - and I’ll pay crazy taxes as I am a higher earner.
I know I got £12k allowance in a non-ISA wrapper, but per year I’ll have £10k I will stick in a traders account for shorting, so I’ll need that allowance for that.
DeGiro also has all that I need and low fees, but no ISA. EToro allows share purchases as well now and has all the ETFs I need, but again no ISA.
212 has zero commissions and CFD, but not the ETFs I need but I hope that they’ll add them if I ask nicely. If they do, it’s perfect. They don’t do options but applied for an international account for TastyWorks.
Your option sounds perfect, if only they did ISA. Thanks for recommending them, will keep an eye on them - the multi currency account definitely is a game changer.