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Before you invest

Before you make your investment decision you should read the relevant essential documents to help you decide whether an investment is right for you.

General terms for using our services

When you open an account, make an investment or otherwise use our services, we’ll ask you to agree to various terms and conditions. At any point where we need you to confirm that you’ve read and agreed to them, we’ll give you a link to the documents, and you can also find them all here for easy reference.

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Important general documents you should read

These documents are not contracts, but are designed to provide you with important information related to your investment decisions. Some of these are regulatory documents that we have to supply by law, and we’ve written all of them to be as helpful to you as possible.

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When you’re transferring any investment to Fidelity

Legal terms we’ll ask you to agree to

Fees reimbursement terms and conditions
When you move over £100 of investments to Fidelity, we will reimburse the exit/redemption fees charged to you by your former provider, up to a maximum amount of £500 per customer. This document explains the terms under which this reimbursement will apply.

Exit fee terms and conditions

Exit fees terms and conditions

In order to request exit fees re-imbursement you will be required to complete an exit fees re-imbursement form which you can download here, or request over the phone by calling us on 0333 300 3351.

Terms and conditions for re-imbursement of exit fees

This offer does not apply to any investments linked to an Adviser / Intermediary or third party.

Fidelity will reimburse the exit/redemption fees charged to a customer by their former provider/s when they move their investments (minimum of £1,000) to Fidelity, up to a maximum amount of £500 per customer.

An exit fee is an administration charge which is imposed by the former provider and arises directly as a result of processing the transfer or re-registration of the customer’s investments to Fidelity. Fidelity will not reimburse the customer for any loss of investment returns, loss of interest, dealing charges, penalties for transferring investments before their maturity dates or any other charges associated with your transfer or re-registration.

Where a re-registration or transfer is not possible and the customer chooses to sell their investments held through another provider and subsequently make new investment/s (minimum £10,000) through Fidelity, Fidelity will cover any account closure fees charged by the customer’s former provider (excluding any dealing charges) of up to £500 per customer. Fidelity will not cover any bid-offer spreads or any capital gains tax liability arising as a result of these transactions.

Exit and account closure fees reimbursement must be claimed within a 6 month period from date of transfer of the customer’s investments to Fidelity. Exit fees will be reimbursed for transfers and re-registrations and account closure fees will be reimbursed provided the conditions above are met. Products included: ISAs, PEPs, Unit Trusts, OEICs, SICAVs, Fidelity Personal Pension, EBS SIPP and the Fidelity SIPP. Products excluded: ShareNetwork.

To qualify for the reimbursement, the fees from the customer’s former provider must have been triggered as a direct result of the transfer or re-registration to Fidelity, or the closure of an account where the customer has subsequently (within 6 months) invested at least £10,000 through Fidelity. If the customer is transferring investments to more than one provider from their former provider at the same time, Fidelity will only reimburse the fees which are incurred as a result of direct transfer or re-registration to Fidelity. Other fees or charges unconnected with the transfer will not be reimbursed.

The completed Exit Fee Reimbursement Form and documentary evidence of the charge will need to be provided in order for the exit fees to be reimbursed to the customer. To claim the reimbursement of any account closure fees, documentary evidence of the closure fee levied will need to be provided to Fidelity, along with confirmation that a minimum of £10,000 has been invested with Fidelity within 6 months of incurring such closure fee.

The documentary evidence referred to above, must be either a copy of the charge confirmation letter from the former provider or a statement showing the charge being deducted.

Payment will be made to the customer by BACS when a bank mandate is held on the account. Alternatively, payment will be made by cheque.

The assets you move to us as part of this offer, must be held with us for at least 18 months after the completion of the transfer, and must not be linked to an Adviser / Intermediary or third party during this period.

When you’re opening or transferring a pension

Legal terms we’ll ask you to agree to

When opening or transferring a pension, be sure you’re familiar with the following:

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When you’re opening an ISA

Legal terms we’ll ask you to agree to

Whether you’re opening an ISA for yourself, or one on behalf of a child, you’ll need to confirm your eligibility.

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ISA Declaration

Your Fidelity ISA is managed by Financial Administration Services Limited, a Fidelity International company.

I understand that the information I provide on this application form will be processed in accordance with Fidelity's data protection statement contained in the Fidelity Client Terms referred to below.

I agree to the below and confirm that I have received the relevant Key Features Document - Doing Business with Fidelity, the Key Investor Information Document and/or the Key Information Document relating to this investment, and Fidelity Client Terms which I accept.

I apply to subscribe for a stocks and shares ISA for the tax year 2019/2020 and each subsequent tax year in which I choose to make a subscription.

I declare that:

  • All subscriptions made, and to be made, belong to me, and that I am 18 years of age or over
  • I have not subscribed and will not subscribe more than the overall subscription limit in total to any combination of permitted ISAs in the same tax year
  • I have not subscribed and will not subscribe to another Stocks and Shares ISA in the same tax year that I subscribe to this Stocks and Shares ISA
  • I am resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of Section 28 of Income Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to, or in a civil partnership with a person who performs such duties. I will inform Fidelity if I cease to be so resident or to perform such duties or be married to, or in a civil partnership with, a person who performs such duties. 
  • I authorise Financial Administration Services Limited:
    • to hold my cash subscription, ISA investments, interest, dividends and any other rights or proceeds in respect of those investments and any other cash;
    • to make on my behalf any claims to relief from tax in respect of ISA investments.
  • The information that has been given by me is correct to the best of my knowledge, and I will inform Fidelity immediately of any changes. 

UKM0419/23487/QC/0420

© FIL Limited 2019

Junior ISA Declaration

By signing below I confirm that I have received the relevant Doing Business with Fidelity or Doing Business with Fidelity FundsNetwork Document incorporating the Key Features, the Key Investor Information Document and/or the Key Information Document relating to this investment and Fidelity Client Terms (FCT) which I accept.  I also understand that the information I provide on this application form will be processed in accordance with Fidelity’s data protection statement contained in the FCT.  The Eligible Child will remain the beneficial owner of this account and I declare that:

  • I am over 16 years of age and:
    • am the Eligible Child; or
    • I have parental responsibility and will be the registered contact for the Eligible Child under this application.
  • As the applicant I apply to open a Junior ISA for an Eligible Child, who does not qualify as an “eligible child” within the meaning of the Child Trust Funds Act 2004.
  • The Eligible Child:
    • (i) is resident and ordinarily resident in the United Kingdom; or
    • (ii) has general earnings from overseas Crown employment subject to United Kingdom tax within the meaning given by section 28 of the Income Tax (Earnings and Pensions) Act 2003; or
    • (iii) is married to or in a civil partnership with a person in (ii); or
    • (iv) is a dependent of a person in (ii).
  • This application is to open the type of account as indicated.
  • In respect of a Stocks and Shares Junior ISA account application, I have not and will not subscribe to another Stocks and Shares Junior ISA account in the name of the Eligible Child in this application.
  • In respect of a Stocks and Shares Junior ISA account application I am not aware of any other a Stocks and Shares Junior ISA account in the name of the Eligible Child in this application.
  • In respect of a Cash Junior ISA account application, I have not and will not subscribe to another Cash Junior ISA account in the name of the Eligible Child in this application.
  • In respect of a Cash Junior ISA account application I am not aware of any other a Cash Junior ISA account in the name of the Eligible Child in this application.
  • As far as I am aware I have not subscribed amounts to this or any other Junior ISA accounts which when aggregated exceed the annual subscription limit for the Eligible Child in this application in the year this application is made.
  • I will not knowingly exceed the applicable annual Junior ISA subscription limit in this year or any subsequent years.
  • I authorise Financial Administration Services Limited:
    • (i) to hold my cash subscription, Junior ISA investments, interest, dividends and any other  ights or proceeds in respect of those investments and any other cash;
    • (ii) to make on my behalf any claims to relief from tax in respect of ISA investments.
  • The information given by me is correct to the best of my knowledge, and I will inform Fidelity immediately of any changes to the information contained therein.

A summary of Fidelity’s Best Execution Policy can be found in Appendix 1 to the Fidelity Client Terms. By signing below you will be taken to have given your consent to the Policy, and, where appropriate your prior express consent to our executing orders outside a regulated market or multilateral trading facility.

When you’re investing in an open-ended investment company

Legal terms we’ll ask you to agree to

The SICAV declaration
The SICAV disclosure is something we ask you to agree to when you invest in a particular type of open-ended investment company established in Luxembourg as a société d'investissement à capital variable (SICAV) or one of its sub-funds.

The SICAV declaration

SICAV Declaration

Part (1)

Declaration

I/We understand that the information I/we provide on this application will be processed in accordance with Fidelity's data protection statement contained in the Fidelity Client Terms.

I/We declare that:

  • I/We understand that this application is subject to the Fidelity Client terms and conditions of [Fidelity Funds and Fidelity Funds II] as set out in its Articles of Incorporation and the current Prospectus.
  • I/We acknowledge that I/we have been offered, free of charge, the latest Prospectus and accompanying financial reports.
  • I/We acknowledge that I am/we are contracting with the General Distributor as a principal through its distributors (see note (iv) below). Monies held by the General Distributor, if due to the client, are not held as client money and therefore not afforded the protection of the Financial Conduct Authority's client money rules.
  • I/We acknowledge that full title of shares will only pass once monies are paid to the General Distributor in accordance with this application and therefore any monies held by the distributors before this point will be treated as client money and afforded the protection of the Financial Conduct Authority's client asset rules.
  • Individuals: I/We declare that I am/we are not resident in the United States of America and that I am/we are not holding and will not hold shares in the Funds for or on behalf of (an)individual(s) so resident.
  • I/We understand that all telephone lines to Fidelity are recorded.

Part (2)

Notes:

  • All joint holders must sign. A Corporation must affix its common seal and/or sign under the hand of the duly authorised official.
  • Financial Administration Services Limited acts as Agent of the General Distributor, FIL Distributors.
  • The right is reserved to ask investors for proof of identification.
  • All investors contract with the General Distributor (FIL Distributors, Bermuda) as principal in the purchase and sale of shares as explained in the current prospectus. The distributor acts as agent of the General Distributor in processing applications. Investors completing this application form apply through Financial Administration Services Limited, a distributor for [Fidelity Funds and Fidelity Funds II]. The payment for shares to the distributor fulfils the investor's obligation to Fidelity.
  • The right is reserved to reject any application.

[Fidelity Funds and Fidelity Funds II] are open-ended investment companies incorporated under the laws of the Grand Duchy of Luxembourg as a societé d'investissement à capital variable. For all transactions you will deal with Financial Administration Services Limited (registered in England and Wales, Company No. 1629709). Please note that for all dividend payments, FIL Investments International (Company No. 1448245), has been appointed as paying agent, within the meaning of the EU Directive on the Taxation of Savings. Both companies are authorised and regulated in the UK by the Financial Conduct Authority, and the registered office for both is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey KT20 6RP. Shares in [Fidelity Funds and Fidelity Funds II] will normally be issued in registered account form, and confirmation of entry on the Register of Shareholders will be sent to you.

When you’re buying any fund

Important documents you should read

Before investing in a fund you should be sure you understand the following

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Dealing times

Important information you should read

Buying and selling times
You can buy, sell or switch online quickly and easily, 24 hours a day. You can also buy, sell or switch by phone. When investing online, deals are placed at the next available dealing point. This will be on the same day as long as the instruction arrives before the cut-off time across the products (see below). Instructions sent by post will be processed within two business days of receipt.  

Switch transactions  
To switch your money from one fund to another, you need to sell funds before you can buy the new ones.   

The time it takes to complete the switch depends on the funds you’ve chosen. In all cases, we need to make sure we receive the proceeds of the sell before we complete the buy. This process can take more than two days to complete, and your money won’t be invested during this time.  

Sometimes switching can take longer because of public holidays in the UK or the country where the investment is based or trades. Please note, some funds need a day after the deadline to set their prices. 

Switching is not available for exchange traded instruments like shares. You can place separate sell and buy instructions online. For ETFs and investment trusts, you can place orders by phone* 

*online trading charge for an ETF and investment trust transaction is £7.50; phone transactions into these assets are £30 each. 

Pricing times 
Most funds are priced at 12 noon and the dealing cut-off time is 11am. Some funds, because of the market they’re investing in, don’t price until the day after the dealing cut-off. If you send your instructions up to ten minutes after 11am, you might still get the same day’s price. Otherwise, you’ll get the next available price.  

Please note, if you switch funds that have a different price time, it will take longer to process. For more details about each fund, please see the tables below. The funds that have an 11am deadline are not in the tables.

Early cut off times
We may apply an early cut-off time on certain public holidays or days on which markets close early such as Christmas Eve and New Year’s Eve, where this is imposed by fund managers or the brokers we use for trading.

Any deals received after a revised cut-off will receive the price achieved at the next available dealing point.

Offshore funds
Offshore funds are not dealt on a UK Bank Holiday. However, online dealing of Fidelity offshore funds, as long as the instruction to deal is in good order, will be priced and placed on a UK Bank Holiday. All other deals will be placed on the next working day. Additional public holidays in a fund’s country of registration may affect your ability to place deals on those days.

Our Fidelity Funds SICAV funds are only closed on Christmas Day & New Year's Day - we price on every other day, including Luxembourg & UK Bank Holidays. All other deals will be placed on the next working day. Additional public holidays in a fund’s country of registration may affect your ability to place deals on those days.

12pm cut off
1pm cut off
2pm cut off
3pm cut off
4pm cut off

Settlement times

Important information you should read

Before buying, selling or switching a fund you should be sure you understand the following

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When you’re thinking about tax

Important documents you should read

Find out what you need to know about tax and investing

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How is my money protected when I invest with Fidelity?

Fidelity has multiple levels of protection for your money in the event that something goes wrong. Fidelity is authorised and regulated by the Financial Conduct Authority, which means we always hold a significant amount of liquid capital. And because we are an investment firm, not a bank, we are required to separate client money and assets from our own resources. If all protections we have in place were to fail, you might have a claim under the Financial Services Compensation Scheme (but remember that this will not pay compensation if your investment performs poorly as a result of market conditions).

How your money is protected

Our online terms

We want all our policies to be clear and transparent. Learn more about the online terms and conditions for making investments and accessing your account via our secure online system.

Open PDF

Doing business with us

We want you to be sure you’ve found a provider that suits your needs. Find out all you need to know about doing business with Fidelity, before you choose to invest with us.

Read Doing Business With Fidelity

Exit fees terms and conditions

In order to request exit fees re-imbursement you will be required to complete an exit fees re-imbursement form which you can download by clicking here, or request over the phone by calling us on 0333 300 3351.

Terms and conditions for re-imbursement of exit fees

This offer does not apply to any investments linked to an Adviser / Intermediary or third party.

Fidelity will reimburse the exit/redemption fees charged to a customer by their former provider/s when they move their investments (minimum of £100) to Fidelity Personal Investing, up to a maximum amount of £500 per customer.

An exit fee is an administration charge which is imposed by the former provider and arises directly as a result of processing the transfer or re-registration of the customer’s investments to Fidelity. Fidelity will not reimburse the customer for any loss of investment returns, loss of interest, dealing charges, penalties for transferring investments before their maturity dates or any other charges associated with your transfer or re-registration.

Where a re-registration or transfer is not possible and the customer chooses to sell their investments held through another provider and subsequently make new investment/s (minimum £10,000) through Fidelity Personal Investing, Fidelity will cover any account closure fees charged by the customer’s former provider (excluding any dealing charges) of up to £500 per customer. Fidelity will not cover any bid-offer spreads or any capital gains tax liability arising as a result of these transactions.

Exit and account closure fees reimbursement must be claimed within a 6 month period from date of transfer of the customer’s investments to Fidelity. Exit fees will be reimbursed for transfers and re-registrations and account closure fees will be reimbursed provided the conditions above are met. Products included: ISAs, Investment Accounts, EBS SIPP, Fidelity Personal Pension, Fidelity SIPP, Unit Trusts, OEICs, SICAVs, Exchange Traded Funds, Investment Trusts and Shares. 

To qualify for the reimbursement, the fees from the customer’s former provider must have been triggered as a direct result of the transfer or re-registration to Fidelity Personal Investing, or the closure of an account where the customer has subsequently (within 6 months) invested at least £10,000 through Fidelity Personal Investing. If the customer is transferring investments to more than one provider from their former provider at the same time, Fidelity will only reimburse the fees which are incurred as a result of direct transfer or re-registration to Fidelity. Other fees or charges unconnected with the transfer will not be reimbursed.

The completed Exit Fee Reimbursement Form and documentary evidence of the charge will need to be provided in order for the exit fees to be reimbursed to the customer. To claim the reimbursement of any account closure fees, documentary evidence of the closure fee levied will need to be provided to Fidelity, along with confirmation that a minimum of £10,000 has been invested with Fidelity within 6 months of incurring such closure fee.

The documentary evidence referred to above, must be either a copy of the charge confirmation letter from the former provider or a statement showing the charge being deducted.

Payment will be made to the customer by BACS when a bank mandate is held on the account. Alternatively, payment will be made by cheque.

Policies and important information
 

Accessibility | Conflicts of interest statement | Consumer Duty Target Market | Consumer Duty Value Assessment Statement | Cookie policy | Diversity, Equity & Inclusion | Doing Business with Fidelity | Diversity, Equity & Inclusion Reports | 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 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.

© FIL Limited 2024