Twelve UK brokers in one table: platform fee, dealing charge, FX fee and which accounts each offers (ISA, SIPP, Lifetime ISA, Junior ISA). Fees, investment range and service are the differences that matter, so here they are side by side. Capital at risk: investments can fall as well as rise.
Fees verified July 2026. Capital at risk. This is information, not financial advice.
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| Broker | Platform fee | Share dealing | FX fee | Flexible ISA | SIPP | JISA | JSIPP | Gilts | Trustpilot | Details |
|---|---|---|---|---|---|---|---|---|---|---|
| Freetrade | £0 on Basic; Standard £4.99/month; Plus £9.99/month (annual billing) | £0 commission | 0.99% Basic, 0.59% Standard, 0.39% Plus | Yes | Yes | Yes | No | Yes, (limited) | 4.2 | Full review |
| Trading 212 | £0 | £0 commission | 0.15% | Yes | Yes | No | No | No | 4.6 | Full review |
| AJ Bell | 0.25% on funds up to £250k (tiered lower above); shares capped at £3.50/month in an ISA and £10/month in a SIPP | £5.00 per trade | 0.75% on the first £10k, 0.50% on the next £10k, 0.25% above £20k | No | Yes | Yes | Yes | Yes | 4.9 | Full review |
| Vanguard | £4/month minimum below £32k; 0.15% above £32k, capped at £375/year | Not available (funds and Vanguard ETFs only) | None (GBP funds) | Yes | Yes | Yes | No | No, (gilt funds only) | 4.8 | Full review |
| Fidelity | 0.35% from £25k to £250k; 0.20% from £250k to £1m; nothing above £1m; £90 a year flat under £25k without a regular savings plan | £7.50 per online trade | 0.75% tiered | No | Yes | Yes | Yes | No, (gilt funds only) | 4.6 | Full review |
| IG | £0 (custody fee removed January 2026) | £0 commission with instant currency conversion | 0.7% | Yes | Yes | Yes | No | No, (bond ETFs only) | 3.8 | Full review |
| Interactive Investor | Core £5.99/month (up to £100k); Plus £14.99/month (no limit); Premium £39.99/month | £3.99 per trade (£2.99 on Premium) | 1.5% on the first £25k, tiered lower above | No | Yes | Yes | No | Yes | 4.6 | Full review |
| Hargreaves Lansdown | Funds: 0.35% up to £250k, 0.25% £250k-£1m, 0.10% £1m-£2m, nothing above £2m. Shares, ETFs and investment trusts: 0.35%, capped at £150 a year in the ISA, SIPP and Fund & Share account | £6.95 per trade (cut from £11.95 in March 2026) | 1% on the first £5k, tiered lower above | No | Yes | Yes | Yes | Yes | 4.3 | Full review |
| Prosper | £0 | Not applicable (funds and ETFs) | None on GBP fund classes | Yes | Yes | No | No | No, (money market funds only) | 4.6 | Full review |
| Moneybox | £1/month subscription (waived at £5,000+) plus 0.15% to 0.45% platform fee | US stocks available, 0.45% FX fee | 0.45% on US stocks | No | Personal Pension | Yes | No | No | 4.4 | Full review |
| Scottish Widows | £0 on ISA and Share Dealing Account; SIPP 0.25% capped at £16.50/month | £5.00 per UK trade (£0 commission on international, 1.5% FX applies) | 1.5% | Yes | Yes | No | No | Yes | 4.6 | Full review |
| J.P. Morgan Personal Investing | Managed styles: 0.75% a year on the first £100k, 0.35% above. Fixed Allocation: 0.45%, then 0.25%. Inc. VAT; fund costs extra | No dealing charges (managed service) | Not applicable: managed portfolios | No | Yes | Yes | No | No, (managed portfolios only) | 4.1 | Full review |
Headline rates shown. Tiers, caps and plan options are covered on each broker page.
Worked example: £20,000 in UK-listed ETFs in a Stocks and Shares ISA, with 12 online trades a year. Trading 212: no platform fee and no commission, so £0. AJ Bell: 0.25% custody would be £50, but it is capped at £3.50 a month (£42), plus 12 trades at £5 (£60), so £102 a year. Hargreaves Lansdown: 0.35% is £70, inside its £150 cap, plus 12 trades at £6.95 (£83.40), so £153.40 a year. ETF running costs apply on top at every broker, and buying shares in another currency would add FX fees.
Simple commission-free app with paid plans for lower FX fees
Best for: Beginners who want a simple app and are happy with shares and ETFs
Freetrade fees and reviewsCommission-free investing with no platform fee
Best for: Cost-conscious DIY investors who want to keep every fee at zero
Trading 212 fees and reviewsLow-cost full-service platform with funds, shares and a strong SIPP
Best for: Investors who want funds and shares on one platform without paying Hargreaves Lansdown prices
AJ Bell fees and reviewsRock-bottom fund costs, but only Vanguard funds
Best for: Hands-off investors happy to hold only Vanguard index funds and LifeStrategy
Vanguard fees and reviewsFull-service platform with strong fund range and guidance content
Best for: Fund investors who value guidance, tools and phone support
Fidelity fees and reviewsTrading-grade platform now with commission-free share dealing
Best for: Active investors who want professional tools alongside long-term holdings
IG fees and reviewsFlat monthly fee that gets cheaper the more you invest
Best for: Portfolios above roughly £60k where a flat fee beats percentage charges
Interactive Investor fees and reviewsThe UK's biggest platform, now cheaper after 2026 fee cuts
Best for: Investors who want the fullest service, research and support and will pay a premium for it
Hargreaves Lansdown fees and reviewsZero platform fees and fee refunds on 30+ index funds
Best for: Index fund investors who want the lowest possible total cost and are comfortable with a newer app
Prosper fees and reviewsRound-ups and simple investing for first-time savers
Best for: Beginners building a habit, and first-time buyers using the Lifetime ISA
Moneybox fees and reviewsNo annual fee share dealing backed by Lloyds Banking Group
Best for: Self-directed investors who want low-cost, no-platform-fee share dealing from a major UK bank
Scottish Widows fees and reviewsFormerly Nutmeg: managed portfolios in an ISA, Lifetime ISA, Junior ISA or pension
Best for: People who want their investments chosen and managed for them, including in a Lifetime ISA or Junior ISA, and who prefer one percentage fee to dealing charges
J.P. Morgan Personal Investing fees and reviewsEvery broker page links to its full set of head-to-head comparisons.
All 66 head-to-head comparisons, each listed once under the first broker named. Each one puts two brokers' fees, accounts and investment range side by side. Every broker page links to its own full set.
Comparing pensions rather than ISAs? See how platform fees and fund ranges differ in our pension provider comparison.
Opening a Lifetime ISA? Our Lifetime ISA fees guide shows what each provider charges for one.
Whichever platform you pick, the harder question is whether you are on track. Delphina models your pensions, ISAs and investments over the next 30 years and gives you a straight answer.
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Five of the twelve brokers here charge no platform or custody fee on shares and ETFs: Freetrade on its free Basic plan, Trading 212, IG, Scottish Widows (ISA and share dealing account) and Prosper, which offers funds and ETFs rather than individual shares. A £0 custody fee is not the whole cost, so also compare dealing charges, FX fees and any monthly subscription.
A custody fee, also called a platform or account fee, is what a broker charges each year to hold your investments. It is either a percentage of your account value or a flat fee, and some brokers cap it. For example, a 0.25% custody fee on a £20,000 account is £50 a year. It is charged on top of any dealing charges and fund running costs.
All twelve brokers are authorised and regulated by the Financial Conduct Authority. If a broker fails, the Financial Services Compensation Scheme (FSCS) can protect your investments up to £85,000 per person per firm. The higher £120,000 limit, in place since 1 December 2025, covers deposits with banks and building societies, not investments. FSCS protection does not cover your investments falling in value.
It depends on what you hold and how often you trade. For shares and ETFs, Trading 212, IG and Freetrade's Basic plan charge no platform fee and no commission, so FX fees on overseas shares become the main cost. For funds, percentage platform fees matter most, and on large portfolios a capped or flat fee usually works out cheaper. Use the table above with your own balance and number of trades.
Yes. In 2026 alone, IG removed its custody charge in January, Interactive Investor relaunched its plans in February and Hargreaves Lansdown cut its platform and dealing charges in March while raising its annual cap on shares and ETFs from £45 to £150. We check every broker's fees regularly and show the date we last checked.