What does your ISA platform cost?
Platform fees, dealing charges and currency conversion add up quietly. Enter your own numbers to see what a shares & ETFs Stocks and Shares ISA would cost a year at the main UK platforms.
With £20,000 and 24 trades a year, the cheapest here is InvestEngine (DIY) at £0.00 a year; the dearest is Fidelity at £315.00. Over ten years that gap is about £3,150, before the growth that money would have earned.
| Platform | Account fee | Dealing | Currency | Total a year | % of pot |
|---|---|---|---|---|---|
| InvestEngine (DIY) ETFs only, no individual shares | £0.00 No platform fee on DIY portfolios | £0.00 No dealing charge | £0.00 No currency conversion fee | £0.00 | 0.00% |
| Trading 212 | £0.00 No account fee | £0.00 No commission | £9.00 0.15% on currency conversion | £9.00 | 0.04% |
| Vanguard Investor Vanguard's own funds and ETFs only | £48.00 £4 a month under £32,000 | £0.00 No dealing charge | £0.00 No currency conversion fee | £48.00 | 0.24% |
| Freetrade Basic | £0.00 Free plan, ISA included | £0.00 No commission | £59.40 0.99% on currency conversion | £59.40 | 0.30% |
| Freetrade Standard | £59.88 £4.99 a month paid yearly | £0.00 No commission | £35.40 0.59% on currency conversion | £95.28 | 0.48% |
| AJ Bell | £42.00 0.25% on shares, capped at £42 a year | £120.00 £5 online | £45.00 0.75% on currency conversion | £207.00 | 1.03% |
| interactive investor | £71.88 Core plan, £5.99 a month (up to £100,000) | £95.76 £3.99 a trade | £45.00 0.75% on currency conversion | £212.64 | 1.06% |
| Hargreaves Lansdown | £70.00 0.35% on shares, capped at £150 a year | £166.80 £6.95 online | £59.40 0.99% on currency conversion | £296.20 | 1.48% |
| Fidelity | £90.00 £7.50 a month under £25,000 (less with a regular savings plan) | £180.00 £7.50 online | £45.00 0.75% on currency conversion | £315.00 | 1.57% |
Published charges checked 28 October 2026. Simplified: online trades only; regular-investing discounts, phone dealing, fund dealing, interest kept on cash and the funds' own ongoing charges aren't included. Stamp duty (0.5% on most UK share purchases) is the same everywhere. Charges change: check the platform's own charges page before switching. We aren't paid by any platform.
Besides the price
- What you can buy. Some platforms are ETFs only or their own funds only. Check yours has the shares and funds you want.
- Moving later. Transferring an ISA keeps its tax-free status; never withdraw and re-deposit. Most platforms don't charge to leave.
- Protection. Your investments are held separately from the platform's own money, and FSCS cover (up to £85,000 per person per firm) applies if a firm fails and assets are missing. It doesn't cover investments falling in value.
- Cash. Some platforms pay interest on uninvested cash and some keep more of it. It matters if you hold a lot of cash.
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