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Our low-cost charges mean more money for you.
We’re committed to transparent and fair charges that offer you excellent value, and are among the lowest in the market.
This is our annual charge for managing your account, which is payable monthly – there is a different charge for holding shares or funds.
| Holdings | Charge |
|---|---|
| Shares account charge: | 0.25% (max £3.50 per month) |
| Funds account charge: | 0.25% |
This is the charge you pay each time you buy or sell shares or funds.
| Holdings | Charge |
|---|---|
| Shares dealing: | £5.00 |
| Frequent shares dealing charge: (If you make 10 or more share deals in a month, you’ll be eligible for our lower charge) | £3.50 |
| Fund dealing: | £1.50 |
Shares – includes ETFs, investment trusts, gilts and bonds
Funds – includes unit trusts, OEICs and structured products
Remember that the value of investments can change, and you could lose money as well as make it.
We make sure our stocks and shares Lifetime ISA charges are among the lowest in the market, so you’ll always get excellent value on your investments.
We make sure our stocks and shares Lifetime ISA charges are among the lowest in the market, so you’ll always get excellent value on your investments.
Joe has an investment Lifetime ISA with us valued at £4,850. That includes £1,200 invested in shares, £3,600 invested in funds and £50 in cash. Below you can see what account and dealing charges Joe would pay (you can click between the tabs to see the full charges breakdown).
£4,850
| Calculation | Example charge |
|---|---|
| £1,200 in shares Calculation: 0.0025 x 1,200 / 12 | £0.25 |
| £3,600 in funds Calculation: 0.0025 x 3,600 / 12 | £0.75 |
| £50 in cash | No charge |
£1.00 |
*This is only an example of our charges. Your actual monthly charge will depend on the exact value of your account and investments at the end of each month, which may vary due to market fluctuation and growth.
Dealing charges depend on how many investments you buy and sell. The example below illustrates Joe’s dealing activity in a given month:
| Deal | Calculation | Charge |
|---|---|---|
| 1 share deal | Calculation: £5.00 x 1 | £5.00 |
| 1 fund deal | Calculation: £1.50 x 1 | £1.50 |
£6.50 |
If you don’t buy or sell any investments during the month, you won’t pay any dealing charges.
Use our charges calculator to estimate the charges you’ll pay for investing in a Lifetime ISA with us.
There are circumstances where investments you choose to make may have some additional charges attached. These are separate from Account and Dealing charges, and will be associated with the specific fund or share that you invest in.
Each fund you invest in will have its own ongoing charges figure (OCF). This is an annual charge paid to manage the fund. It’s taken out over the course of the year for as long as that investment is held. The OCF you pay is calculated based on the amount you hold in that specific fund and is taken directly from the assets you hold in that fund.
You will pay our standard dealing charges to buy international shares. In addition, there is a foreign exchange charge on international shares and foreign currency funds. For full details please visit our international dealing page.
| Dealing by telephone | £25 |
| Regular investment | £1.50 |
| Dividend reinvestment | £1.50 |
| Paper application form completion This applies where we’re required to complete a paper application form, e.g. for structured products, private placings and IPOs | £100 |
| UK stamp duty | 0.5% on purchases of UK shares |
| PTM (Panel on Takeover and Mergers) | £1.50 on UK share deals over £10,000 |
| Irish stamp duty | 1% on purchases of Irish shares |
| French financial transactions tax | 0.3% on purchase of certain French shares |
| Italian financial transactions tax | 0.1% on purchase of certain Italian shares |
| Spanish financial transactions tax | 0.2% on purchase of certain Spanish shares |
If you’re looking to move an account to us, we’ll do all the heavy lifting – it’s FREE to transfer in. And if you want to transfer your account to another provider, we won’t charge you any exit fees, either.
We understand that sometimes you might hold cash in your account, whether that’s to cover any charges or while you decide on where you’re going to invest.
Until you decide what to do with this cash, you have the added benefit of gaining interest on it. See our latest cash interest rates to find out how much you can earn.
Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about stocks and shares LISA fees.
Your monthly charges depend on the account type and the funds held in it:
No, you don’t. But you do need to keep enough cash in your account to cover your monthly account charges.
If you’re planning on opening an account, you’ll need to make an initial minimum deposit, set up a monthly direct debit, or transfer over an account, so that your account is funded.
When you buy an investment, there needs to be enough cash in your account to cover the investment and the…
The dealing charge for shares is based on the number of deals you placed in the previous calendar month. This is calculated across the accounts in your individual name (excluding any regular investment and dividend reinvestment deals).
For example, if you make 10 or more online shares deals in January, then the frequent dealer charge of £3.50 will apply for February.
You can withdraw money from your LISA account at any time. But you’ll only receive the full amount if you withdraw it under specific circumstances:
However, you'll pay a charge if you withdraw your Lifetime ISA…
Read moreOur customer support team are here to help when you need it. Here’s how to get in touch.
We’ve been helping our customers put their money to work for over 30 years. And with over 620,000 customers, that’s a lot of people taking control of their financial futures.
We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re a Which? Recommended provider seven years running, 2019-2025.
So, when you're ready to feel good, investing, we're here to help.
