Low-cost full-service platform with funds, shares and a strong SIPP
AJ Bell sits in the sweet spot between cheap app-only brokers and expensive full-service platforms. You get funds, shares, ETFs, a well-regarded SIPP and a Lifetime ISA, with caps that keep costs sensible for share investors.
It suits people who want one account for everything, particularly ETF investors who benefit from the £3.50 monthly cap in an ISA. Fund-heavy portfolios above six figures should compare the 0.25% fee against a flat-fee platform like Interactive Investor.
Best for: Investors who want funds and shares on one platform without paying Hargreaves Lansdown prices.
| Platform fee | 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 |
|---|---|
| Share dealing | £5.00 per trade |
| Fund dealing | £1.50 per trade |
| FX fee | 0.75% on the first £10k, tiered lower above |
| Stocks & Shares ISA | Platform fee applies, no separate ISA charge |
| SIPP | Platform fee applies, capped at £120/year for shares |
| Withdrawals | Free |
| Minimum to start | £25/month or £500 lump sum |
Verified July 2026 against AJ Bell's published charges. Always check the provider's current schedule before opening an account.
FSCS protected up to £85,000. Authorised and regulated by the FCA.
AJ Bell scores 4.8 out of 5 on Trustpilot (Excellent) from around 14,000 reviews.
Reviewers repeatedly mention that the platform is easy to use and communication is clear. AJ Bell has been Which? Recommended for eight years running.
Occasional gripes about transfer times and the dealing charge compared with app-only rivals.
AJ Bell can hold your investments, but it will not tell you whether they add up to the retirement you want. Delphina models your whole financial life and gives you a straight answer.
Capital at risk. This page is information, not financial advice.