I am a very small time investor, this is the first account of this type I have opened and was drawn to it because of the very low interest rates at the moment. As a complete novice, the Stocks and Shares Isa account was easy to set up. I went through Money Savings Expert and hopefully will receive the £40 bonus once the six months are up. My main gripe is I occasionally send a transfer aside from my monthly DD; Ten working days since the money was sent and it's still 'pending'! where is this money? it's not in my bank and it's not in my plan....nine working days since it actually left my account, is a bit excessive (and it's still not appeared); whilst its a very small amount of money however, I'm not impressed by this and am glad it wasn't a large amount. I have read the comments about the time it takes to take out money and I think I will be rethinking where my money goes in the future....this was a first dabble in stocks and shares therefore used this as a safer platform; whilst the initial process, the App and the 'quick support' tool are great I'm not convinced yet this is the best place to invest more funds. Will update in 6 months.