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.
Our service fee
We believe in giving you great value, so we charge an annual service fee, payable monthly, based on the total value of your investments, this means you pay the lowest rate possible. We do not charge a service fee on Junior ISA and Junior SIPP accounts.
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. Cash Management Accounts aren’t available for Investment Accounts that you hold jointly with someone else and we’ll collect fees directly from these accounts.
And did we mention all the expert guidance, on-the-go access and support with investing you get? That’s all included.
- The portion of the fee you pay on exchange-traded investments (shares, exchange-traded funds (ETFs), etc.) within an ISA or SIPP is capped at £45.
- You do not pay a service fee on junior accounts, on exchange-traded investments held in an Investment Account, or on cash you hold.
The table below shows how this fee changes as your investments increase.
To see this in more detail please read the Doing Business with Fidelity document.
|Value of investments||Service fee (annual amount or %)|
|Less than £7,500||0.35% if you have a regular savings plan or £45 if you don't|
|£7,500 or more but less than £250,000||0.35%|
|£250,000 or more but less than £1 million||0.20% - and you will automatically qualify for the Fidelity Wealth Service benefits|
|£1 million+||0.20% a year for the first £1 million and no service fee for investments over £1 million. This means the maximum fee you will ever pay for all of your personal accounts is £2,000 a year.|
The same service fee is charged across all of your investments. So, if you hold £300,000 - the fee would be 0.20% across the full amount. For exchange-traded instruments, this portion of the fee is capped at £45 and there is no service fee for these investments when held in the Fidelity Investment Account. There’s also no fee for investments held in a Junior ISA or Junior SIPP.
Investment charges set by companies managing your funds
Ongoing fund charges are set by the companies who manage the funds and start from 0.05%.
Some funds may also have:
- a bid-offer spread, which is effectively a charge applied when you buy or sell
- a performance fee
- a fund manager buy or sell charge.
We’ve negotiated discounted ongoing charges on hundreds of funds on our platform. We recommend checking each investment's factsheet for more information, as investment charges can differ between funds.
Details of the specific charges can be found on the investment's factsheet or Key Information Document.
Share dealing and other charges
- 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.
- £1.50 for deals as part of a regular savings or withdrawal plan, or for a reinvestment of income or a dividend.
- Simple charge of £10.00 for each deal placed online
- Phone trades are charged £30.00 for each deal.
- 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
- Financial Transaction Tax - A charge on the purchases of some exchange-traded instruments from a number of countries internationally, including some in Europe. The current charge for instruments domiciled in Spain is 0.2%.
- Foreign exchange charge applies for dealing in offshore funds that are not in sterling.
Download the Doing Business with Fidelity document for more fees and charges information.
Charges on cash within your account
Cash in your Fidelity accounts is currently held as ‘Cash Within Your Account’.
We currently don’t charge a service fee on Cash Within Your Account. However, we reserve the right to retain an amount of the interest received from the bank(s) we deposit your money with to cover the cost of administering these cash balances. Please go to www.fidelity.co.uk/cash for further details.
How and when we take our fee
Putting it into practice
Here are some scenarios, for illustrative purposes only, that show how we would calculate the service fee you would be charged. If you have less than £7,500 in total there will be a flat fee of £45 a year, although this changes to 0.35% if you have a monthly regular savings plan (RSP). We will usually collect this fee in arrears in monthly instalments of £3.75. Remember, there are no fees charged on junior accounts or on exchange-traded investments held in an Investment Account.
Examples of what service fee you could pay
|Amount invested||Annual service fees with monthly RSP||Annual service fees without monthly RSP|
|£5,000||£17.50 (0.35%)||£45 (flat fee)|
|£7,499||£26.24 (0.35%)||£45 (flat fee)|
These fees do not apply to customers using an adviser please see below.
Fidelity fees if you also use an adviser
The fees mentioned above are for investments held directly with Fidelity.
If you hold some investments through a financial adviser, then the charges will be different from the ones you hold directly with us.
We suggest you speak with your financial adviser to find out more about what charges and fees will be applied.
Changes to Fidelity’s service fee
ISA, SIPP and Investment Accounts
- On or around 1 September, we will start collecting the service fee on your accounts on the 1st of every month (currently the 15th).
- In September we will automatically open a Cash Management Account for you (if you do not already have one) and we will collect service fees from that account from 1 October onwards. This excludes joint Investment Accounts.
- If there is insufficient cash held in the Cash Management Account, the outstanding fee balance will be taken from the relevant accounts in the same way as it is today.
- The Cash Management Account also gives you the ability to hold cash outside of your other accounts, and to freely move cash around from one account to another (depending on individual account restrictions and allowances).
We'll be in touch with all of our customers to inform you of these changes formally, or to find out more now, you can read our Doing Business With Fidelity document.
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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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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.