Our investment fees and charges

Clear and simple pricing

Our pricing has no hidden fees and charges, so you know exactly what you pay for and when you pay it.

Our statements are clear and easy to understand so you don’t have to waste time trying to figure it out. When you log in online, your transaction history will help you find and understand our service fee, and any charges, easily and transparently.

And did we mention all the award-winning guidance, on-the-go access and support with investing you get? That’s all included in our service fee.

Our service fee structure

We believe in giving you great value, so we charge an annual service fee, payable monthly, based on the value of all your investments. We add all your accounts together before we work out which fee band you’re in, meaning we’ll charge you the lowest rate.

The chart below shows how this fee changes, as your investments increase.

Total value of investmentsService fee (annual amount or rate)
Worth less than £7,500 £45 without monthly regular savings plan
0.35% with monthly regular savings plan
£25 for Junior ISAs/Junior Pensions
£7,500 or more but less than £250,000 0.35%
£250,000 or more but less than £1 million 0.20%
No further service fee is charged for assets held above £1 million.
* Please note that the service fee will be charged on the entire portfolio.
For exchange traded instruments including investment trusts, this is capped at £45.
There is no service fee for these investments held in the Fidelity Investment Account.

What you pay for

Fidelity Personal Investing service fee

One flat-rate of £45 a year if you've got less than £7,500 invested — that’s only £3.75 a month; or 0.35% if you have a monthly regular savings plan (RSP) of £50 or over.

Standard service fee of 0.35%* if the total value of your investments are £7,500 to £249,999.99.

Drops to 0.2%* if you hold more than £250,000 of investments with us.

No further service fee is charged for assets held above £1 million.

Children's accounts with less than £7,500 invested have a flat-rate of £25 a year — even if they hold more than one.

*Please note that the service fee for exchange traded instruments including investment trusts is capped at £45. There is no service fee for these investments held in the Fidelity Investment Account.

Read more about how our service fees work.

Investment charges set by the company managing your funds

Ongoing fund charges start from 0.06%.

Some funds have a bid-offer spread, which is effectively a charge applied when you buy or sell.

Some funds have a performance fee.

Some funds have a fund manager buy/sell charge.

We’ve negotiated reduced ongoing charges on hundreds of funds on our platform.

Share dealing and other charges

Share dealing charges (including ETFs and investment trusts) — there is a charge made for each buy and sell transaction you place (including switches and dividend reinvestments). This will be deducted from the amount invested or raised through a sale.

Simple charge of £10.00 for each deal placed online within an ISA or Investment Account*.

Phone trades are charged £30.00 for each deal within an ISA or Investment Account*.

Regular savings or reinvestment are charged at £1.50*.

*Dealing charges for buying or selling an investment trust or ETF within a SIPP are 0.1%.

Stamp Duty, levies and taxes:

  • UK Stamp Duty of 0.5% applies when you buy UK shares
  • Irish Stamp Duty of 1.0% applies when you buy Irish shares
  • UK Panel of Takeovers and Mergers levy of £1 applies on UK share deals of over £10,000
  • Irish Takeover Panel levy of €1.25 applies on Irish share deals of over €12,500

Foreign exchange charge applies for dealing in offshore funds that are not in sterling.

Download Doing business with Fidelity for more fees and charges information.

What you don’t pay for

Here are the things that we include in our standard, simple and transparent service fee, but which our competitors sometimes charge for.

Account charges  
Set up charge No charge
Annual charge No charge
Account closure No charge
Fund dealing charges (phone, online and paper)
Switching charge No charge
Selling charge No charge
Transfer charge No charge
Tax relief re-investment into funds No charge
Pension charges
Annual admin charges per capped drawdown account No charge
Annual admin charges per flexible drawdown account No charge
Transfer out to UK scheme No charge
Transfer out to overseas scheme No charge
Arranging death benefits No charge
Triviality payment No charge
Pension splitting on divorce No charge
Other charges  
BACS payment No charge
Printed valuation statement No charge
Exit fees No charge