In this section
How do you want to invest with Fidelity International?
Ready to start investing with Fidelity International or top up an existing account? You can move money from your Stock Plan Account to invest with Fidelity International. You can also use cash that's already in your bank account, or transfer cash or investments from another investment provider.
Employer's stock plan
Bank account or another investment provider
Please come back to this page for stock plan guidance and ways to transfer your cash or shares to Fidelity International.
Please come back to this page for stock plan guidance and ways to transfer your cash or shares to Fidelity International.
Investing from your employer's stock plan
Explore and choose an account with Fidelity International to invest your Stock Plan Account cash or shares
Important information - investment values can go down as well as up, so you may get back less than you invest. SIPP/ISA eligibility and tax treatment depends on individual circumstances and tax rules may change. This is not a personal recommendation for a product, service or action. If you're not sure which investments are suitable for you, consult Fidelity's advisers or another authorised financial adviser. You cannot normally access money in a pension until age 55 (57 from 2028). Withdrawals from a Junior ISA are not possible until the child reaches age 18.
Transfer and start investing
Whether you have shares, cash or both that you’d like to bring over to the UK, Fidelity International has a range of accounts that could help you to make your money work harder.
1. Choose an account
2. Follow our step-by-step guide
3. Choose your investments
Looking for personalised financial advice?
Fidelity International has financial advisers who can give you a personal recommendation (this is a paid-for service). Just call us for a free, no-obligation initial chat. It's for people with more than £100,000 to invest. This can be money you hold with Fidelity International or elsewhere, for example in pensions, ISAs, or your Stock Plan Account.
1. Choose an account
To invest for yourself or a child you must be a UK resident and aged 18 or over.
Move cash to a Stocks and Shares ISA or SIPP (tax-efficient accounts) - typically 1 working day
ISAs and Self-Invested Personal Pensions (SIPPs) are both tax-efficient ways to save as you won't pay UK tax on any growth in your cash or investments. An ISA can be used to save for all sorts of goals as it's easy to access, while a SIPP is typically for retirement. Withdrawals from a SIPP will not normally be possible until you reach age 55 (57 from 2028).
ISA and pension allowances reset at the start of every tax year, which runs from 6 April to 5 April the following year. These allowances are separate, so you can put money in both types of accounts. You can also save for a child's future by investing in a Junior ISA (JISA) and a Junior SIPP (JSIPP), which have their own tax benefits.
Move cash or shares to an Investment Account (subject to UK tax) - typically 1 working day for cash and 3 weeks for shares
Unlike an ISA or pension, cash or investments (such as shares) in an Investment Account are not held within a tax wrapper. This means that, depending on your situation, your income or gains may be taxed if they exceed your personal allowances.
You can move shares into an Investment Account for yourself or your spouse and later diversify your portfolio. Please note, you may pay Capital Gains Tax on any gains you make from selling investments in the account. Learn more about Capital Gains Tax and ways to reduce it.
We can only accept a share transfer if we offer the same investment on our platform. You can check this on our Investment Finder.
Open an ISA
New customer
Existing customer
Invest cash into a Stocks and Shares ISA
Please note down the following steps to transfer your cash:
Step 1 - Open an ISA with Fidelity International
Read the steps and select Open an ISA at the end of this screen. Or skip to Step 2 if you've already opened an ISA.
Step 2 - Link your Stock Plan Account (via NetBenefits) and Fidelity International accounts
Linking your accounts means the cash can go straight into your Fidelity International account.
- New to Fidelity International - you'll be shown the link as part of the ISA account opening process.
- Already have an ISA - please visit NetBenefits.com* to link your accounts.
Skip to Step 3 if you've already done this.
Step 3 - Go to NetBenefits to transfer your cash from your Stock Plan Account to Fidelity International
Visit NetBenefits.com*.
The money will arrive in your Fidelity International Cash Management Account (CMA), which is automatically created when you open an account. This typically takes one working day. You can then move this to your ISA.
Step 4 - Move the cash from your Fidelity International Cash Management Account (CMA) to your ISA
Step 5 - Invest your cash
Your money isn't invested until you've chosen your investments. We’ve got tools to help you
choose investments.
*Please note when visiting NetBenefits.com this will take you to a separate website. Review the new site's terms, conditions, and privacy policy, as they will be different.
You can move cash from an employer's stock plan to a Stocks and Shares ISA.
- Save up to £20,000 each tax year.
- You won't pay UK tax on growth, income or withdrawals.
- Take your money out at any time.
- Use it for goals like university fees, a house deposit, wedding or alongside your pension to save for retirement.
- Set up a regular savings plan from £25 or invest a lump sum from £1,000.
- Choose from funds, shares (UK, US and Europe) investment trusts and exchange-traded funds (ETFs).
Fidelity International’s fees and charges
We don't charge a fee to transfer cash to Fidelity International or to hold it in your account. We apply a foreign exchange (FX) charge of 0.35% to convert the transferred cash from US dollars to pounds sterling. For transfers of US$200,000 or more, the charge is 0.25% on the whole amount.
Once you transfer cash to a Stocks and Shares ISA and invest it, you'll pay:
0.35%
0.2%
£7.50
*0.35% service fee applies if you have a regular savings plan or have more than £25,000 invested. Otherwise, a £7.50 per month service fee applies. 0.2% service fee applies to accounts with over £250,000 invested, and applies to the total value of your investments. There will also be investment charges set by the companies and funds you’re investing into which sit outside of our service and dealing fees.
You can move cash from an employer's stock plan to a Self-Invested Personal Pension (SIPP).
You can contribute and get tax relief up to the Annual Allowance of £60,000 or 100% of your earnings if you earn less than this. For example, for every £80 you pay in, HM Revenue & Customs (HMRC) will add £20 basic-rate tax relief (20%), making a total of £100. Even if you have little or no earnings, you can still pay in up to £2,880 each tax year into your pension. HMRC will add basic-rate tax relief (20%) to each contribution so you could have up to £3,600 in total. Learn more about pension allowances.
If you pay a higher or additional rate tax, you can claim extra relief through your Self-Assessment tax return at the end of the tax year.
You won’t pay Capital Gains Tax on any growth in your investments.
You can usually start taking out money from age 55 (rising to 57 from 2028).
You can usually take up to 25% tax free, within your lump sum allowance (LSA). The rest is taxed as earnings.
You can build up a savings pot to take an income from when you reach retirement. Your money’s locked away so you’re not tempted to dip in early.
Set up a regular savings plan from £20 or invest a lump sum from £800.
Choose from funds, UK shares, investment trusts and exchange-traded funds (ETFs).
Fidelity International’s fees and charges
We don't charge a fee to transfer cash to Fidelity International or to hold it in your account. We apply a foreign exchange (FX) charge of 0.35% to convert the transferred cash from US dollars to pounds sterling. For transfers of US$200,000 or more, the charge is 0.25% on the whole amount.
Once you transfer cash to a SIPP and invest it, you'll pay:
0.35%
0.2%
£7.50
*0.35% service fee applies if you have a regular savings plan or have more than £25,000 invested. Otherwise, a £7.50 per month service fee applies. 0.2% service fee applies to accounts with over £250,000 invested, and applies to the total value of your investments. There will also be investment charges set by the companies and funds you’re investing into which sit outside of our service and dealing fees.
You can move cash or stock from an employer's stock plan to an Investment Account.
- No limit to how much you can invest.
- Depending on your personal circumstances you may pay tax on your income if it exceeds your personal allowances.
- If you sell any investments (including shares) held in an Investment Account, you may pay Capital Gains Tax on your gains. Learn more about Capital Gains Tax and ways to reduce it.
- Set up a regular savings plan from £25 or invest a lump sum from £1,000.
- Choose from funds, exchange-traded funds (ETFs), investment trusts or shares.
- Available to UK residents aged 18 or over.
Move cash | Keep and move shares |
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Fidelity International’s fees and charges
We don't charge a fee to transfer cash or move shares to Fidelity International or to hold either in your account.
We apply a foreign exchange (FX) charge of 0.35% to convert transferred cash from US dollars to pounds sterling. For transfers of US$200,000 or more, the charge is 0.25% on the whole amount.
Once your cash or shares are in an Investment Account (and the cash invested), you'll pay:
No service fee
Up to 0.75%
£7.50
*0.35% service fee is applied to the value of any funds you hold in an Investment Account if you have a regular savings plan or have more than £25,000 invested. Otherwise, a £7.50 per month service fee applies. 0.2% service fee applies to accounts with over £250,000 invested, and applies to the total value of your investments. There will also be investment charges set by the companies and funds you’re investing into which sit outside of our service and dealing fees.
Junior ISA (JISA)
You can move cash from an employer's stock plan to a JISA.
- A parent or guardian can set up a JISA for a child (who must be 17 or under).
- Save up to £9,000 each tax year.
- There's no tax for you to pay on growth, income or withdrawals.
- The child will have control of the account and can access the money in it from their 18th birthday.
- Set up a regular savings plan from £25 or invest a lump sum from £100.
- Choose from funds, shares (UK, US and Europe), investment trusts and exchange-traded funds (ETFs).
Junior SIPP (JSIPP)
You can move cash from an employer's stock plan to a JSIPP.
- A parent or guardian can set up a JSIPP for a child (who must be 17 or under).
- You can contribute up to £2,880 each tax year and HM Revenue & Customs (HMRC) will add basic-rate tax relief (20%) to each contribution. For example, if you contributed the maximum £2,880 in a tax year, you'll receive £720 in tax relief, making a total of £3,600.
- You won’t pay Capital Gains Tax on any growth in your investments.
- The child will have control of the account from age 18. They can usually start taking out money from age 55 (rising to 57 from 2028). Withdrawals could be subject to income tax and tax rules could change in the future.
- Set up a regular savings plan from £20 or invest a lump sum from £800. HMRC adds basic-rate tax relief (20%) to each contribution. For example, for every £20 you pay in, HMRC will add £5, making a total of £25.
- Choose from funds, UK shares, investment trusts and exchange-traded funds (ETFs).
Fidelity International’s fees and charges
We don't charge a fee to move cash to Fidelity International.
Once your cash is in your JISA or JSIPP and invested you'll pay:
No service fee
No fund dealing fees
£7.50
There will also be investment charges set by the companies and funds you’re investing into, which sit outside of our service and dealing fees.
Open a SIPP
New customer
Existing customer
Invest cash into a SIPP
Please note down the following steps to transfer your cash:
Step 1 - Open a SIPP with Fidelity International
Read the steps and select Open a SIPP at the end of this screen. Or skip to Step 2 if you've already opened a SIPP.
Step 2 - Link your Stock Plan Account (via NetBenefits) and Fidelity International accounts
Linking your accounts means the cash can go straight into your Fidelity International account.
- New to Fidelity International - you'll be shown the link as part of the SIPP account opening process.
- Already have a SIPP - please visit NetBenefits.com* to link your accounts.
Skip to Step 3 if you've already done this.
Step 3 - Go to NetBenefits to transfer your cash from your Stock Plan Account to Fidelity International
Visit NetBenefits.com*.
The money will arrive in your Fidelity International Cash Management Account (CMA), which is automatically created when you open an account. This typically takes one working day. You can then move this to your SIPP.
Step 4 - Move the cash from your Fidelity International Cash Management Account (CMA) to your SIPP
Step 5 - Invest your cash
Your money isn't invested until you've chosen your investments. We’ve got tools to help you
choose investments.
*Please note when visiting NetBenefits.com this will take you to a separate website. Review the new site's terms, conditions, and privacy policy, as they will be different.
Open an Investment Account
New customer
Existing customer
Invest cash for myself into an Investment Account
Please note down the following steps to transfer your cash:
Step 1 - Open an Investment Account with Fidelity International
Read the steps and select Open an Investment Account at the end of this screen. Or skip to Step 2 if you've already opened an account.
Step 2 - Link your Stock Plan Account (via NetBenefits) and Fidelity International accounts
Linking your accounts means the cash can go straight into your Fidelity International account.
- New to Fidelity International - you'll be shown the link as part of the Investment Account opening process.
- Already have an account - please visit NetBenefits.com* to link your accounts.
Skip to Step 3 if you've already done this.
Step 3 - Visit NetBenefits to transfer your cash from your Stock Plan Account to Fidelity International
Visit NetBenefits.com*.
The money will arrive in your Fidelity International Cash Management Account (CMA), which is automatically created when you open an account. This typically takes one working day. You can then money the cash to your Investment Account.
Step 4 - Move the cash from your Fidelity International Cash Management Account (CMA) to your chosen account
Step 5 - Invest your cash
The money isn't invested until you've chosen your investments. We’ve got tools to help you
choose investments.
*Please note when visiting NetBenefits.com this will take you to a separate website. Review the new site's terms, conditions, and privacy policy, as they will be different.
Open a joint Investment Account
New customer
Existing customer
Invest cash into a joint Investment Account
Please note down the following steps to transfer your cash:
Step 1 - Withdraw your cash in your Stock Plan Account (via NetBenefits) to your bank account
Login to NetBenefits*
Step 2 - Open an Investment Account with Fidelity International
Read the steps and select Open a joint Investment Account at the end of this screen. Or skip to Step 3 if you've already opened an account.
Step 3 - Add or transfer your cash to your Fidelity International account
You can do this during or after opening your account or top up an existing account.
Step 4 - Invest your cash
Your money isn't invested until you've chosen your investments. We’ve got tools to help you
choose investments.
*Please note when visiting NetBenefits.com this will take you to a separate website. Review the new site's terms, conditions, and privacy policy, as they will be different.
New customer
Existing customer
Invest cash for a child
Please note down the following steps to transfer your cash:
Step 1 - Withdraw your cash in NetBenefits to your bank account
Step 2 - Open a junior account with Fidelity International account (please skip this step if you've done this)
Please select from the options below.
Step 3 - Add or transfer your cash to your Fidelity International junior account
You can either do this during or after opening your account or top up an existing account .
Step 4 - Invest your cash
We’ve got tools to help you choose where to invest the money.
Keep and move shares to a spouse
Please note down the following steps to keep and move your shares to a spouse:
Step 1 - Transfer your shares into an Investment Account with Fidelity International Transfer shares
Step 2 - Complete a stock transfer form to move the shares to your spouse Stock transfer form
Move cash for a child
Please note down the following steps to transfer your cash:
Step 1 - Withdraw your cash from your Stock Plan Account (via NetBenefits) to your bank account
Log in to NetBenefits*
Step 2 - Open a junior account with Fidelity International
Read the steps and select an account at the end of this screen. Or skip to Step 3 if you've already opened an account.
Step 3 - Add or transfer your cash to your Fidelity International account
You can do this during or after opening your account or top up an existing account.
Step 5 - Invest your cash
Your money isn't invested until you've chosen your investments. We’ve got tools to help you
choose investments.
*Please note when visiting NetBenefits.com this will take you to a separate website. Review the new site's terms, conditions, and privacy policy, as they will be different.
Open a JISA
New customer
Existing customer
Open a JSIPP
New customer
Existing customer
Please come back to this page for stock plan guidance and ways to transfer your cash or shares to Fidelity International.
Please come back to this page for stock plan guidance and ways to transfer your cash or shares to Fidelity International.
Continue to Investment Finder
Please come back to this page for stock plan guidance and ways to transfer your cash or shares to Fidelity International.
Please come back to this page for stock plan guidance and ways to transfer your cash or shares to Fidelity International.
Please come back to this page for stock plan guidance and ways to transfer your cash or shares to Fidelity International.
Help and support
US stock plan assistance
Moving cash or shares to the UK
FAQs
Please note - Fidelity International and Fidelity Stock Plan Services, LLC are separate companies that operate in different jurisdictions through their subsidiaries and affiliates.
Policies and important information
Accessibility | Conflicts of interest statement | Consumer Duty Target Market | Consumer Duty Value Assessment Statement | Cookie policy | Diversity, Equity & Inclusion | Diversity, Equity & Inclusion Reports | Doing Business with Fidelity | Investing in Fidelity funds | Legal information | Modern slavery | Mutual respect policy | Privacy statement | Remuneration policy | Staying secure | Statutory and Regulatory disclosures | Whistleblowing programme
Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. This website does not contain any personal recommendations for a particular course of action, service or product. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document or Product Summary document which contains important information about the fund.
This website is issued by Financial Administration Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA Register number 122169) and registered in England and Wales under company number 1629709 whose registered address is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.
