Home Services Investment Account Fees and charges

Investment Account

Access a wide range of investment opportunities beyond your tax-efficient allowances.

A clear approach to fees

We believe in giving you great value, so we charge an annual service fee, payable monthly, based on the value of all your investments. 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.

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 portion of the fee you pay on exchange-traded investments (shares, exchange-traded funds (ETFs), bonds, etc.) is capped at £45.
  • However, you do not pay a service fee on exchange-traded investments held in an Investment Account.

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.

In addition to our service fee, there may also be charges set by the company managing your funds, and there will be additional charges for any share dealing you engage in. For more details, please read the Fidelity pricing guide or visit our main fees and charges page.

Total value of investments Service fee (annual amount or rate)
Less than £7,500 0.35% if you have a regular savings plan or £45 if you don't
Less than £7,500, held in a Junior ISA/SIPP 0.35% if you have a regular savings plan or £25 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%
£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, and not 0.35% on the first £249,999 and then 0.20% a year on the remaining £50,001. 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.

How and when we take our fee

Individual accounts
Joint accounts

Putting it into practice

Here are some scenarios, for illustrative purposes only, that show how we would calculate what you would be charged. If you have less than £7,500 in total there will be a flat fee of £45 a year (£25 for Junior ISA and Junior SIPP), 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 (or £2.08 for Junior ISA and Junior SIPP).

Example of what 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)
£7,500 £26.25 (0.35%)
£12,500 £43.75 (0.35%)
£20,000 £70.00 (0.35%)
£55,000 £192.50 (0.35%)
£249,999 £874.99 (0.35%)
£250,000 £500.00 (0.2%)

These fees does 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.

Read the guide

Find out more about our fees and charges

Download our Fidelity Pricing Guide
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