020 7608 4900
Contact us
Adviser Update

Transact 2025 Charge Reduction

In December 2024 we announced another charge reduction, with:

  • A single pension wrapper fee for clients in a linked family group, from 1 April 2025.*
  • The quarterly £20 pension fee can be split equally across a linked group or allocated to an individual portfolio.
  • The single wrapper fee applies to Personal Pension and SIPP wrappers separately.

This reduction is set to benefit both new clients and existing clients (with up to 45,000 existing clients with pensions currently in linked family groups). This means:

  • Improved inter-generational planning.
  • More options to respond to Budget changes related to IHT and pensions.
  • Better value for lower value portfolios which could have no pension wrapper fee.
  • Consistency from the leading** UK adviser only platform.

This is the latest in a long track record of Transact reducing charges for clients with eighteen charge reductions in the past 17 years.

We continue to pay all interest earned on pooled cash to clients and pay market leading rates as we actively manage the cash across a range of mainstream UK banks. In fact, around a quarter of clients using the platform benefit from the complete offset of their platform annual charge from the interest earned on their relatively small cash balances.

Transact previously removed buy commission for all clients in 2024 and does not charge wrapper fees on junior (aged under 18) client portfolios in linked family groups.

 

* Under the current charging structure, each client incurs a wrapper fee for a personal pension and/or SIPP. ** Transact has been rated the UK’s top investment platform for overall satisfaction for 15 consecutive years (2010-2024 inclusive) in the Investment Trends UK Adviser Technology & Business Report (among primary users).

 

1. Introduction
2. TOL Recent Enhancements 
3. Transact 2025 Charge Reduction
4. Why Some Firms Integrate Directly With Transact
5. Transact & US Trading
6. Succession Planning Update 
7. Transact – BlackRock MPS & Growth
8. A Study Of Gifting: Loan Trusts 
9. The Name’s Bond: Are Investment Bonds The 007 Of Financial Planning?
10. ISAs – Treatment Of Accounts Following Death
11. Interest On Cash
12. Transact Events 2025

 

 

 

This website is designed to be used by financial advisers, their clients and professionals. It is intended as general guidance only and should not be viewed as a recommendation to use or rely on any features mentioned. The information is not advice, nor is it a substitute for advice.
Contact Information
  • 29 Clement's Lane, London EC4N 7AE
  • 020 7608 4900
  • Find us on social media
Quick Links
Our Other Sites

© 2025 Integrated Financial Arrangements Ltd
"Transact" is operated by Integrated Financial Arrangements Ltd. 29 Clement's Lane, London EC4N 7AE. Tel: 020 7608 4900 Fax: 020 7608 5300. (Registered office: as above; Registered in England and Wales under number: 3727592). Authorised and regulated by the Financial Conduct Authority (entered on the Financial Services Register; no. 190856).