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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 an authorised financial adviser.

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.

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 £10 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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Here to help

Our UK and Ireland based call centres are open six days a week.

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Investment analysis

Review your portfolio with our comprehensive tools.

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Expert guidance

Get access to our online planning and investment selection tools and expert market insights.

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.

Our 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.  
  • £10.00 for online deals.  
  • £30.00 for deals placed by phone.

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, 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
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Fees and charges from the companies you invest in

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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.

View quarterly rebate fund discounts
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Let's start your saving journey

Open an account

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.

Choose Investments

Need help deciding? Whether you're a beginner or an advanced investor, we have the right tool to help you find your next investment.

Transfer investments

Transfer ISAs, pensions, investment accounts, or junior accounts to Fidelity to manage them quickly, easily and all in one place.

Important information: Tax treatment depends on personal circumstances and all tax rules may change in the future. You can't normally access money in a pension until age 55. It’s important to understand that pension transfers are a complex area and may not be suitable for everyone.