Use this tool to find out how much a Stocks & Shares ISA might cost you from one of the UK’s major ISA providers.
Each company has its own fee structure, which means it can be hard to say who is cheaper overall. Enter your portfolio details below and we’ll help you decide which ISA is right for you.
Estimated fees
£0
per annum
Fidelity is an American financial services company.
Fidelity’s account fee depends on the value of your portfolio. The same percentage is applied to your entire portfolio:
0.35% if the total value is less than £250,000
0.20% if the total value is £250,000 or more.
The portion of the fee you pay on stocks and ETFs is capped at £90.
If your portfolio is worth less than £25,000 and you do not have a regular savings plan, Fidelity instead charges a flat fee of £90, which is more than the percentage fee you would otherwise pay.
Fidelity’s fee is capped at £2,000, which is reached when your portfolio value reaches £1 million.
The trading charge is £7.50 per trade, reducing to £1.50 for trades made as part of a regular savings plan. We’ve used the £7.50 figure in estimating your fees.
The forex fee is 0.75%, with discounts for trades over £10,000.
Hargreaves Lansdown (HL) is a British financial services company.
The annual account fee for holding funds is 0.45%, with a discount for holdings over £250,000 and a maximum fee of £4,000.
0.45% on the first £250,000 of funds
0.25% on any remaining funds up to £1 million.
0.1% on any remaining funds up to £2 million.
No charge on any remaining funds.
The annual account fee for holding stocks and other investments is 0.45%, capped at £45 p.a.
There is no charge for buying or selling funds.
The charge for dealing shares and other investments is £11.95 per trade.
HL offers discounted dealing fees if you made a lot of trades in the previous month:
10–19 trades in previous month: £8.95 per trade
20 or more trades in previous month: £5.95 per trade
Deals made by monthly Direct Debit are free. We’ve assumed all your deals will be manual in our fee estimation, but if you’re happy to automate your deals, you could pay less with HL.
The forex fee is 1%, with discounts on transactions over £5,000.
The Barclays ISA charges an annual fee of 0.2% of your fund holdings, and 0.1% of all your other investments, with a minimum total account fee of £48 and a maximum of £1,500.
Trading funds costs £3 per trade, and trading other investments costs £6 per trade.
If you set up automatic regular trades, these trades are charged at a discounted rate of £1 per trade. Just to be safe, our fee estimate assumes that all of your trades will be manual. If you plan to set up automatic trades, you could end up paying less.
The forex fee is 1%, with discounts for trades over £5,000.
Bestinvest is a British financial services company.
The annual account fee is 0.4%, with discounts for holdings over £250,000 and a maximum fee of £2,000.
0.4% on your portfolio value up to £250,000
0.2% on your remaining portfolio value up to £500,000
0.1% on your remaining portfolio value up to £1,000,000
No charge on your remaining portfolio value.
The forex fee is 0.95%.
Bestinvest offers discounts for investing in US stocks:
It does not charge a fee to trade US stocks (although it does still charge its 0.95% foreign exchange fee on these trades).
There is also a discount of 0.2% on up to £250,000 of US stocks held in your portfolio, giving a maximum saving of £500. Because we don’t ask which stocks you hold, our estimated fees don’t take this discount into account, but if you do invest in the US, you could end up paying less.
Charles Stanley is a wholly owned subsidiary of US banking firm Raymond James Financial.
The annual fee for holding stocks in this ISA is 0.35%, with a minimum charge of £24 and a maximum of £240. This fee is waived in any month in which you make any chargeable trades.
The annual fee for holding funds in this ISA 0.35%, with discounts for holdings over £25,000.
0.35% of all fund holdings below £25,000
0.2% of all remaining fund holdings below £50,000
0.15% of all remaining fund holdings below £100,000
0.05% of all remaining fund holdings.
The share dealing charge is £11.50 per trade.There is no charge to deal funds.
The forex fee is 1%, with discounts for transactions over £10,000.
The company offers two tiers of service to ISA customers: Standard (£71.88 p.a.) and Plus (£143.88 p.a.). The fees are flat and do not depend on the size of your portfolio.
Although the company’s user experience is focused on the app, they have a web-based interface in development which Plus customers can get early access to.
The forex fee is 0.59% for Standard customers, or 0.39% for Plus customers.
With this ISA, you will have to hold your funds as ETFs. Please check that any funds you wish to hold are available as ETFs before opening your ISA.
Interactive Investor is an online flat-fee investment service owned by UK investment company Abrdn, formerly Standard Life Aberdeen.
The company offers three ISA products:
Investor Essentials — £59.88 p.a., £5.99 per trade (£19.99 if not UK or US), maximum portfolio value £30,000.
Investor — £119.88 p.a., £5.99 per trade (£19.99 if not UK or US), one free trade per month, £5.99 credit against trading fees.
Super Investor — £239.88 p.a., £3.99 per trade (£5.99 if not UK or US), two free trades per month, £7.99 credit against trading fees.
For a portfolio and trading pattern like yours, you’d pay the least in fees with .
Trades made via automatic regular investing are free, although not all investments are available to invest in this way. Just to be safe, our fee estimate assumes that all trades will be manual.
The forex fee is 1.5%, with discounts on transactions over £25,000.
1.50% on transactions between £0 and £25,000
1.25% on transactions between £25,000 and £49,999.99
1.00% on transactions between £50,000 and £99,999.99
0.50% on transactions between £100,000 and £599,999.99
0.25% on transactions between £600,000 and £999,999.99
iWeb is an online share dealing platform operated by Halifax Share Dealing Ltd, a member of Lloyds Banking Group.
This ISA charges no custody fees, although it does charge a one-off £100 account opening fee. We’ve included this fee in your estimated price, but if you keep the account for several years, you’ll pay less from year 2 onwards.
Dealing funds and UK shares costs £5 per trade.
Dealing US (and international) shares has no fixed fee, but the forex fee is 1.5%. Forex fees over 1% are unusual, so you could consider the extra 0.5% to be the share dealing fee. On a deal worth £1,000, this would be £5.
The annual fee for holding funds is 0.25%, with discounts for holdings over £250,000 and a maximum fee of £875.
0.25% on the first £250,000 of funds
0.10% on any remaining funds up to £500,000
No charge on any remaining funds.
The annual fee for holding shares, ETFs and other investments is 0.25%, capped at £42.
Fund trades are charged at £1.50 each.
Stock trades are charged at £9.95 each, falling to £4.95 if you trade shares at least 10 times in the previous month.
Stock trades made by automatic regular investments are £1.50. This isn’t presently accounted for in our fee estimation, so if you’re willing to automate your trades, you could pay less with AJ Bell.
The forex fee is 0.75%, with discounts for transactions over £10,000.
