Skip Header

Open an account

Everything you need to know to get started

Important information - the value of investments and the income from them can go down as well as 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. Tax treatment depends on individual circumstances and all tax rules may change in the future. Withdrawals from a Junior ISA will not be possible until the child reaches age 18. You can't normally access money in a pension until age 55 (57 from 2028).

Open an account in 3 steps


Choose an account

Whether you're saving for a specific goal, retirement or your children's future, we have an account to support you.


Add money to your account

As part of opening your account you'll need to add cash to it or transfer your investments from another provider. You'll then be ready to invest - step 3.


Choose your investments

Now your cash is in your account, it's time to choose your investments from the thousands on offer and start investing.

1. Choose an account

Stocks and Shares ISA

Our award-winning Stocks and Shares ISA benefits from great tax advantages. Invest up to £20,000 a year - from as little as £25 a month or a £1,000 lump sum - with tax-free returns.

Self-invested personal pension (SIPP)

Invest for your retirement from £20 a month and HMRC will contribute at least 20% to each payment you make. You can withdraw from your pension at 55 (57 from 2028).

Investment Account

There's no limit to how much you can invest with our Investment Account. Any earnings are subject to UK tax. Start from as little as £25 a month or a £1,000 lump sum.

We don't charge service fees on our junior accounts, so more of your contributions go towards the investments for them.

Junior ISA

Invest up to £9,000 a year for a child's future, starting from as little as £25 a month or a £100 lump sum, and pay no UK tax on any earnings. The child can access the money when they reach 18.

Junior SIPP

Invest up to £2,880 a year - from £20 a month - and HMRC will add 20% to each payment you make. Control passes when the child reaches 18 and they can withdraw from 55 (57 from 2028).

2. Add money to your account

As part of opening your account you'll be shown how to add cash to it. There's three ways you can do this:

  • a single payment with a debit card
  • setting up a regular savings plan
  • or transferring your investments from another provider

If you've got ISAs, pensions or investment accounts spread across different providers, transferring them to Fidelity can help you manage them quickly and easily in one place. We'll cover any exit fees your current provider may charge when transferring your investments - up to £500 per person. *T&Cs apply. Learn more about transferring to Fidelity.

3. Choose your investments

Once you've opened an account, it's time to choose your investments. We've plenty of tools to help you decide, depending on how much support you want.

Important information - please note that these guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to one of Fidelity's advisers or an authorised financial adviser of your choice. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.

What funds have investors been buying this month?

Every month we take a look at where our customers have chosen to invest. It's a good place to start if you're looking for inspiration for your own portfolio.

Open an account FAQs

What do I need to open an account?
How many ISAs can I have?
How many pensions can I have?
How many Junior ISAs can a child have?
How many Junior SIPPs can a child have?
What should I expect when opening an account?
What are the fees for holding an account?
How do I pay fees and when?
How do I manage my account?

New to investing?

We'll help you get on the right track. Our Investing for beginners page introduces you to key investing terms and tools that will help you decide how and if you're ready to invest.

Personal financial advice

If you have more than £100,000 to invest, our financial advisers can help you make the most of your money. Just call us on 0800 222 550 for a free no-obligation discussion about your needs.