Low-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.
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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.
Your cash is protected by the FSCS up to £120,000. Your investments are ring-fenced in your name, held separately from the firm's own assets, so they remain yours if the firm fails, with FSCS cover of up to £85,000 for any shortfall. 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's platform fee is 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 is £5.00 per trade and fund dealing is £1.50 per trade. Foreign exchange is charged at 0.75% on the first £10k, tiered lower above. Fees verified July 2026 against AJ Bell's published charges.
AJ Bell charges £5.00 per trade to buy or sell shares, ETFs and investment trusts. Fund dealing is £1.50 per trade. Regular investing is free from May 2026, having previously cost £1.50 per trade.
On AJ Bell's Stocks and Shares ISA: Platform fee applies, no separate ISA charge. The underlying platform fee is 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. You can start with £25/month or £500 lump sum. It is not a flexible ISA, so money you withdraw still counts against your annual allowance.
AJ Bell offers a SIPP. On the SIPP: Platform fee applies, capped at £120/year for shares. Dealing inside the SIPP is charged at the same £5.00 per trade for shares and £1.50 per trade for funds. Withdrawals are free.
Your cash is protected by the FSCS up to £120,000. Your investments are ring-fenced in your name, held separately from the firm's own assets, so they remain yours if the firm fails, with FSCS cover of up to £85,000 for any shortfall. 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. It suits investors who want funds and shares on one platform without paying Hargreaves Lansdown prices.
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.
Free to check. No card required. Takes about two minutes.
Capital at risk. This page is information, not financial advice.