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In this section

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 £90 (£7.50 a month).
- 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.
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.
Please read the Doing Business with Fidelity document for more detail on our fees and charges.
Value of investments | Service fee (annual amount or %) |
---|---|
Less than £25,000 | 0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don't |
£25,000 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 £90 (£7.50 a month) 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.
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 £7.50 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 and Irish Stamp Duty is also charged when selling UK or Irish shares Listed on an international stock exchange (the tax will reduce the price you get, rather than being taken separately).
See T&Cs for details
.
- In certain circumstances UK Panel of Takeovers and Mergers levy of £1.50 applies on UK share deals of over £10,000. See T&Cs for details.
- In certain circumstances Irish Takeover Panel levy of €1.25 applies on Irish share deals of over €12,500. See T&Cs for details.
- Financial transaction tax (a charge on the purchase of some exchange-traded instruments).
- This includes a number of countries internationally (some in Europe).
- Foreign exchange (FX) charges
- Applied when dealing in offshore funds that are not in sterling
- Applied when dealing in international shares
- FX charges are tiered based on the amount you are dealing. Larger trades pay a lower percentage.
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.
Our quick and easy-to-use calculator will estimate your fees within a couple of minutes. As investment charges vary depending on which fund you invest in, this tool is only meant as a guide. If your needs are more complex, consider talking to our financial advisers.
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.
Let's start your saving journey
Open an ISA
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Already have a Stocks and Shares ISA with Fidelity? Log in and add cash
Your ISA checklist
Make sure you have the following information with you:
- Your National Insurance number
- Debit card details (for a single payment)
- Bank or building society details (if you’re planning on setting up a regular savings plan)
Changes to Fidelity’s service fee
ISA, SIPP and Investment Accounts
- On or around 1 September, we will start collecting the service fee on your accounts on the 1st of every month (currently the 15th).
- In September we will automatically open a Cash Management Account for you (if you do not already have one) and we will collect service fees from that account from 1 October onwards. This excludes joint Investment Accounts.
- If there is insufficient cash held in the Cash Management Account, the outstanding fee balance will be taken from the relevant accounts in the same way as it is today.
- The Cash Management Account also gives you the ability to hold cash outside of your other accounts, and to freely move cash around from one account to another (depending on individual account restrictions and allowances).
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.
Double your money with our ISA prize draw
Invest £5,000 or more in an ISA online by 31 May for the chance to win back the total amount you invest up to £20,000, plus weekly cash prizes. The sooner you invest, the more chances you have to win! T&Cs apply.
Win back the value of your ISA investment in cash - up to £20,000, (the “Prize Draw”). Plus, win prizes in our weekly prize draws.
Terms and Conditions
- The promoter of this offer is Financial Administration Services Limited, Beech Gate Millfield Lane, Lower Kingswood, Surrey, KT20 6RP (“Fidelity”).
- To be eligible you must:
a) be 18 years of age or older and a UK resident. Fidelity employees and its contracted staff are not eligible to enter.
b) make a Qualifying Investment (see Section 3 below) between 6 April 2025 and 31 May 2025, inclusive (“Prize Draw Period”).
- Entry into the Prize Draw will constitute your acceptance of these terms and conditions. Entry will be automatic when you make a Qualifying Investment.
- Where relevant, reference in these terms and conditions to the winner includes any person with whom the winner shares the prize.
- Fidelity reserves the right to cancel or amend the Prize Draw or the rules without notice during the Prize Draw Period. Any cancellation of or changes to the prize draw will be notified to you on the Fidelity website.
- If you do not wish to be entered into the Prize Draw, please call our contact centre on 0333 300 3350 and request to be removed from the draw, after you have made a Qualifying Investment. The contact centre is available between 8.30am and 5.30pm, Monday to Friday, and 9am and 12.30pm on Saturday.
1. The main cash prize
1.1 There is one main cash prize winner of up £20,000.
1.2 The Prize Draw amount will match the total lump sum amount invested into a Fidelity 2025/26 ISA during the Prize Draw Period. If multiple ISA investments are made during the Prize Draw Period, the total investment amount will qualify for entry to the cash Prize Draw and will be the prize amount payable. The prize money will be paid into your Fidelity Cash Management Account for you to invest or transfer to your bank account.
1.3 The cash prize winner will be selected at random after 31 May 2025 and will be notified via the email address that you have provided for your Fidelity account before 21 June 2025. Payment of the prize money will be made within 30 days of the notification.
2. The weekly cash prizes
2.1 In addition to the main cash Prize Draw we are also giving you the chance to win weekly cash prizes.
2.2 There are eight weekly draws during the Prize Draw Period, with 160 cash prizes of £250 each to be won in total.
2.3 20 winners will be drawn for each week.
2.4 You will automatically be entered into our weekly prize draws starting from the week in which your Qualifying Investment is made. For example, if you invest in the first week of the Prize Draw Period, you will be entered into all eight weekly draws.
2.5 Maximum one entry per person, per week.
2.6 The winners of the weekly prizes will be selected at random. All winners will be drawn after 31 May 2025 and notified via the email address that you have provided for your Fidelity account before 21 June 2025. The prize money will be paid into your Fidelity Cash Management Account within 30 days of the notification, for you to invest or transfer to your bank account.
3. Qualifying Investment
3.1 A minimum lump sum investment of £5,000 made online (through the Fidelity Personal Investing website: fidelity.co.uk) directly into a Fidelity 2025/26 Stocks and Shares ISA during the Prize Draw Period.
The following examples, without limitation, will not be Qualifying Investments:
- Transfers from a Cash Management Account into your 2025/26 Stocks and Shares ISA
- Transfers or re-registrations from other providers into your 2025/26 Stocks and Shares ISA
- Investments made through a Fidelity or third-party adviser
- Investments in the Fidelity Junior ISA
- Investments in the Fidelity Lifetime ISA
- Investments via a regular savings plan
- Investments via Bed and ISA
3.2 If you withdraw your Qualifying Investment from your Fidelity ISA, or add an adviser or intermediary to your account, within a 12-month period from the date of investment, Fidelity reserves the right to reclaim the main cash prize money or weekly cash prize(s) awarded.
3.3 Fidelity shall not be liable for any loss or damage suffered from entry into the prize draw, or from any event beyond the reasonable control of Fidelity.
3.4 In the event of any dispute regarding the rules, conduct, results, and all other matters relating to a prize draw, the decision of Fidelity shall be final.
4. Data Protection
4.1 Any personal information you submit to Fidelity will be maintained in accordance and used in accordance with the Fidelity Privacy Policy.
UKM0425/400242/CSO12709/310525
Policies and important information
Accessibility | Conflicts of interest statement | Consumer Duty Target Market | Consumer Duty Value Assessment Statement | Cookie policy | Diversity, Equity & Inclusion | Diversity, Equity & Inclusion Reports | Doing Business with Fidelity | 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.