We calculate your fees based on your total investment value, not per account.
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 one of Fidelity's advisers or an authorised financial adviser of your choice.
Here's what you'll pay
You can download the Doing Business with Fidelity document for more detail on our fees and charges.
Fees charged by Fidelity
Our service fee is charged for administering your accounts, with flexible options for amounts less than £25,000.
Shares
Service fee applied to any exchange-traded investments, including shares, in an ISA or SIPP - 0.35% (reduced to 0.20% if you invest £250,000 or more) and capped at £7.50 per month
No service fee for
Junior accounts (ISAs and SIPPs), and exchange-traded investments held in an Investment Account
Our dealing fees are charged on buy and sell transactions you place through our share dealing service.
Funds
Shares
Please note: additional charges may apply when trading exchange-traded instruments (shares, ETFs and investment trusts). To learn more, go to the fees in more detail section.
Investment fees and charges (set by the manager of your investments)
The wide choice of funds available have a range of ongoing charges, which start from as low as 0.05%. And some funds may have additional fees and charges. Specific details are found in the investment's factsheet or Key Information Document. We negotiate discounted ongoing charges on hundreds of funds on our platform and we're always look to add more. Take a look at the full list here.
You'll be pleased to know that there are many things that we don't charge for, including:
These scenarios are examples to give you an idea of how we calculate the service fee you would be charged.
| Amount invested | Annual service fees with monthly RSP | Annual service fees without monthly RSP |
|---|---|---|
| £5,000 | £17.50 (0.35%) | £90 (£7.50 a month) |
| £24,999 | £87.49 (0.35%) | £90 (£7.50 a month) |
| £25,000 | £87.50 (0.35%) | |
| £55,000 | £192.50 (0.35%) | |
| £100,000 | £350.00 (0.35%) | |
| £250,000 | £500.00 (0.2%) | |
| £1,000,000+ | £2,000 (0.2%) is maximum fee you will ever pay for all of your personal accounts a year | |
When you invest with us, we provide you with a separate account called a Cash Management Account (CMA) to pay your service fees from*
*If there's not enough cash in your CMA, we'll collect fees from cash within your account before selling some of your investments in your other accounts to cover charges.
We want you to have full transparency of our fees so that you have a clear understanding of what to expect when you invest with us. If you want to read more detail about our fees and charges in your own time, please download the Doing Business with Fidelity document.
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.
Need help deciding? Whether you're a beginner or an advanced investor, we have the right tool to help you find your next investment.
Transfer ISAs, pensions, investment accounts, or junior accounts to Fidelity to manage them quickly, easily and all in one place.
Important information - please note that these guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to an authorised financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.
ISA, SIPP and Investment Accounts
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.
Here are the things that we include in our standard, simple and transparent service fee, but which our competitors sometimes charge for.
Members of the UK Platform Group have developed a factsheet to help consumers compare platform charges – the factsheet outlines the types of charges imposed by platforms and the different labels that are used across the industry to describe such charges. If you're interested, you can read the factsheet here.
| Account charges | |
|---|---|
| Set up charge | No charge |
| Annual charge | No charge |
| Account closure | No charge |
| Service fee on Junior ISA and Junior SIPP | No charge |
| Fund dealing charges (phone, online and paper) | |
|---|---|
| Switching charge | No charge |
| Selling charge | No charge |
| Transfer charge | No charge |
| Tax relief re-investment into funds | No charge |
| Pension charges | |
|---|---|
| Annual admin charges per capped drawdown account | No charge |
| Annual admin charges per flexible drawdown account | No charge |
| Transfer out to UK scheme | No charge |
| Transfer out to overseas scheme | No charge |
| Arranging death benefits | No charge |
| Triviality payment | No charge |
| Pension splitting on divorce | No charge |
| Other charges | |
|---|---|
| BACS payment | No charge |
| Printed valuation statement | No charge |
| Exit fees | No charge |
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 £25,000 in total there will be a flat fee of £90 (£7.50 a month) 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 £7.50. 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%) | £90 (£7.50 a month) |
| £24,999 | £87.49 (0.35%) | £90 (£7.50 a month) |
| £25,000 | £87.50 (0.35%) | |
| £55,000 | £192.50 (0.35%) | |
| £100,000 | £350.00 (0.35%) | |
| £249,999 | £874.99 (0.35%) | |
| £250,000 | £500.00 (0.2%) | |
Here are the things that we include in our standard service fee.
Members of the UK Platform Group have developed a factsheet to help consumers compare platform charges – the factsheet outlines the types of charges imposed by platforms and the different labels that are used across the industry to describe such charges. If you're interested, you can read the factsheet here.
| Account charges | |
|---|---|
| Set up charge | No charge |
| Annual charge | No charge |
| Account closure | No charge |
| Service fee on Junior ISA and Junior SIPP | No charge |
| Fund dealing charges (phone, online and paper) | |
|---|---|
| Switching charge | No charge |
| Selling charge | No charge |
| Transfer charge | No charge |
| Tax relief re-investment into funds | No charge |
| Pension charges | |
|---|---|
| Annual admin charges per capped drawdown account | No charge |
| Annual admin charges per flexible drawdown account | No charge |
| Transfer out to UK scheme | No charge |
| Transfer out to overseas scheme | No charge |
| Arranging death benefits | No charge |
| Triviality payment | No charge |
| Pension splitting on divorce | No charge |
| Other charges | |
|---|---|
| BACS payment | No charge |
| Printed valuation statement | No charge |
| Exit fees | No charge |
What you can expect to pay for FX charges
| Value of investment | FX charge |
|---|---|
| £0 to £10,000 | 0.75% |
| £10,000.01- £20,000 | 0.50% |
| £20,000.01 + | 0.25% |
Example of Fidelity total dealing charges for an international share
| Investment of £15,000 | FX Charge tiers | Charge |
|---|---|---|
| £0 - £10,000 | 0.75% | £75 |
| £10,000.01 - £15,000 | 0.50% | £25 |
| Fidelity standard dealing charge for each deal placed online. | £7.50 | |
| Total | £107.50 |
On top of these charges, there may be additional government and local stock exchange charges for certain international markets. You can see these charges when you place the deal and on your contract note.
Download the Doing Business with Fidelity document for more fees and charges information.
