A clear, transparent charging structure
We follow a responsible pricing approach that includes reducing our charges as our business grows. We have reduced our charges at least 18 times since 2008, delivering ever-increasing value for money.
Family linking
To support intergenerational wealth planning we offer family linking, which can reduce the platform charge your clients pay. Family member portfolios can be linked online in a few clicks, and trust and third-party (SIPPs, SASSs, bonds) portfolios can also be linked by providing a few extra details.
100% of cash interest paid to clients
Unlike many of our competitors, we repay all interest earned on client money to clients and in 2025 we paid over £210 million to clients in cash interest. The rate of interest we pay varies in line with the rates available from the banks we use.
Where other platforms choose to retain cash, this acts as a cost to the client, affecting client outcomes. This is likely to be a relevant consideration when assessing value as part of a suitability assessment.
£210m
Annual charge
Single or consolidated portfolios of £100,000 and above | Annual charge |
|---|---|
£0–£600,000 | 0.26% |
>£600,000 and <£1,200,000 | 0.17% |
>£1,200,000 and <£5,000,000 | 0.07% |
On the remainder | 0.05% |
Single or consolidated portfolios of less than £100,000 | Annual charge |
|---|---|
£0–£60,000 | 0.50% |
>£60,000 and <£100,000 | 0.26% |
Wrapper charges
Transact investment wrapper type | Quarterly fee |
|---|---|
General Investment Account | £0 |
ISA*, JISA | £3 |
Onshore Bond | £18 |
SIPP, Personal Pension Plan, Executive Pension Plan, Section 32 Buy-out Bond | £20 |
Offshore Bond | £60 |
*ISA includes the Cash ISA, Stocks and Shares ISA and Lifetime ISA.
Where a client holds more than one wrapper of the same type, they will only be charged one wrapper fee per wrapper type each quarter.
The quarterly fee for the Personal Pension Plan, SIPP and JISA wrappers will be waived for a client in a linked family group until they reach age 18, at which point the quarterly fee will become effective.
A single quarterly PP or SIPP wrapper fee will apply for clients in a linked family group. The single fee applies to PP and SIPP wrappers separately and will be split equally between the number of clients within the family group that hold a PP or SIPP pension. If applicable, the quarterly fee can be taken from the wrapper of a nominated client within the group.
Dealing charges
There are no charges for trading OEICs or unit trusts. Dealing charges only apply when trading assets that are listed on a stock exchange, for example equities or exchange traded funds.
For each transaction to buy or sell investments listed on or admitted to a stock exchange: | |
|---|---|
Single transaction | Up to £3.75 per transaction (economies apply; this £3.75 charge is shared amongst clients where more than one client is requesting the same transaction for the same investment at the same time) |
Phased transactions | Up to £1.00 per transaction |
Regular transactions | Up to £0.50 per transaction |
Express trades | £10 per transaction |
Please note: different charges will apply when we use other parties to execute transactions and these are applied proportionately to all clients. Third-party dealing charges vary by security type, market and transaction value.
