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Stocks & Shares ISA fees and charges

Important information - please keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. 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.

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.

And did we mention all the award-winning 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.

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 visit our main fees and charges page.

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%
£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.

View fund discounts

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
  • 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

We deduct your service fee around the 1st of every month. This is calculated based on the total value of your investments held over the previous month.

We include any joint accounts when we’re adding up all your investments to work out what service fee rate you pay, ensuring the lowest possible charge.

The total value is then divided by 12 to determine the monthly amount that’s taken from your individual account.

When you pay service fees, they are always taken from your Cash Management Account.
 

  • If you have cash in there, we will take your fees from this rather than any tax-wrapped ISA and SIPP investments you may have.

  • If you don't have enough cash in there, we will sell from your investments to make up the outstanding balance and transfer that to the Cash Management Account. When we do this, we have a hierarchy and start by selling from your largest investment by value and by asset class. This means for example we would take the fee from the largest fund before we take it from an exchange-traded fund or investment trust.

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.

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