Our investment fees and charges
Important information - please keep in mind that the value of investments can go down as well up, so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity's advisers or an authorised financial adviser of your choice.
Fees at a glance
It's important to understand fees and charges; that's why we make it easy to keep track.
- There are low cost fees charged directly by Fidelity, which pay for our service.
- Then there are investment charges, which are set by the companies and funds you are investing into.
Please read the Doing Business with Fidelity document for more detail on our fees and charges.
Fees charged by Fidelity
Our service fee
This pays for everything we offer. It is typically 0.35%, but depending on how much money you hold in your personal accounts, it can be as little as 0.2% and is not charged on investments over £1m.
Our dealing fee
We don't charge anything for buying, selling or switching funds, however there is a £7.50 charge for online deals on shares, exchange-traded funds and investment trusts (£30 for phone deals).
Our great value service fee
Our service fee can be as low as 0.2% but is typically 0.35% and pays for everything we offer. This includes our guidance tools, news and insights from industry experts, and our secure, easy-to-use investing platform. We don't charge a service fee for junior accounts or for exchange traded investments held in an Investment Account, or on cash held in your accounts.
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What’s more, we will give you a Cash Management Account that is separate from your other accounts. We collect fees from any cash held there, before we look to take money or sell from investments held in other accounts, for example your tax-wrapped ISA or SIPP. For joint accounts that you hold, we take the fee directly from those accounts, and not from the Cash Management Account.
Calculate your estimated fees
We appreciate how important it is to understand fees and charges. Our fees calculator makes it easier for you to get some clarity, by giving you an estimate of the annual service and dealing fees you'll pay when investing with us.
Calculate estimated feesOur straightforward dealing fees
Fidelity does not charge for dealing on funds, although there may occasionally be a buy or sell charge we collect on behalf of the fund manager. If this charge is applicable then the fund's factsheet will say so.
For shares, ETFs and investment trusts, Fidelity charge the following dealing fees, and there may also be government levies, Stamp Duty or taxes that apply.
- £1.50 for deals as part of a regular savings or withdrawal plan, or for a reinvestment of income or a dividend.
- £7.50 for online deals.
- £30.00 for deals placed by phone.
- When you deal an international share, you'll also pay a foreign exchange (FX) charge. There may also be additional government and local stock exchange charges for certain international markets. You can see these charges when you place the deal and on your contract note.
We've got it covered
There are many things which Fidelity doesn't charge extra for, but that our competitors might. For example: annual charges, exit fees, switching or selling charges, and pension admin charges. With Fidelity, all of this and more is provided at no extra cost.
Read the full list of things we don’t charge for
Fees and charges from the companies you invest in
Investment charges
Investment charges are set by the company managing your funds and sit outside of our service fee and dealing charges.
Ongoing fund charges start from 0.05%, but some funds may have a performance fee, a fund manager buy/sell charge, or a bid-offer spread (a charge applied when you buy or sell).
We've negotiated a discount on these charges for hundreds of funds on our platform (see below).
Details of the specific charges can be found on the investment's factsheet or Key Information Document.
Hundreds of fund discounts
We've negotiated discounts on many funds on our platform and we're always looking to add more.
These discounts may be built into the fund's ongoing charges, so you pay a lower charge than usual. In others, the discount will be a payment that will be reinvested at the end of every quarter into the qualifying funds. This is known as a quarterly rebate.
Any rebates you receive in an Investment Account are potentially liable to income tax at your marginal tax rate.
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We offer a Stocks and Shares ISA, a SIPP, an Investment Account, and a Junior ISA and Junior SIPP. Find out which one may be right for you.
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Transfer investments
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Investment ideas for 2024
If you're looking for investment ideas, Investment Director Tom Stevenson shares four funds he's chosen to invest in this year.
Important information: Tax treatment depends on personal circumstances and all tax rules may change in the future. You cannot normally access money in a SIPP until age 55 (57 from 2028). It’s important to understand that pension transfers are a complex area and may not be suitable for everyone.
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.
Members of the UK Platform Group have developed a factsheet to help consumers compare platform charges – the factsheet outlines the types of charges imposed by platforms and the different labels that are used across the industry to describe such charges. If you're interested, you can read the factsheet here.
| Account charges | |
|---|---|
| Set up charge | No charge |
| Annual charge | No charge |
| Account closure | No charge |
| Service fee on Junior ISA and Junior SIPP | 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 |
Here are the things that we include in our standard, simple and transparent service fee, but which our competitors sometimes charge for.
If you're interested, you can take a look at a factsheet that members of the industry body - the UK Platform Group - have developed to help you compare platform charges. It outlines the types of platform charges and the different labels that are used across the industry to describe them. You can read the factsheet here
