AJ Bell fees and charges: what you pay in 2026

AJ Bell charges an account fee of 0.25% a year, plus a fee each time you buy or sell. On funds the 0.25% applies to the first £250,000, falls to 0.10% on the next £250,000 and stops above £500,000. On shares, ETFs and investment trusts it is capped at £3.50 a month in an ISA or Dealing account. Share deals cost £5, fund deals £1.50. £20,000 in funds costs £50 a year before fund charges.

There is no separate ISA fee: the stocks and shares ISA pays the standard 0.25% account charge. For shares, ETFs and investment trusts the charge is capped at £3.50 a month, or £42 a year, so the cap starts to apply once those holdings pass £16,800. £20,000 in funds costs £50 a year, while £20,000 in shares costs £42. Dealing charges and fund managers' own charges are on top.

Online share deals cost £5 each, falling to £3.50 if you placed 10 or more share deals in the previous calendar month. Fund deals cost £1.50. Buying international shares adds a foreign exchange charge of 0.75% on the first £10,000, 0.50% on the next £10,000 and 0.25% above £20,000. So a £5,000 purchase of US shares costs £5 plus £37.50, £42.50 in total. Telephone deals cost £25.

Funds pay a percentage with no cap: 0.25% on the first £250,000, 0.10% on the next £250,000 and nothing above £500,000. Shares, ETFs, investment trusts, gilts and bonds pay 0.25% but with a monthly cap, £3.50 in an ISA or Dealing account and £10 in a SIPP. £300,000 in funds costs £675 a year. The same amount in shares in an ISA costs £42.

The AJ Bell SIPP uses the same 0.25% account charge, but the cap on shares, ETFs and investment trusts is £10 a month, or £120 a year, so it applies once those holdings pass £48,000. Funds pay 0.25% up to £250,000, 0.10% to £500,000 and nothing above. Share deals cost £5, fund deals £1.50, and AJ Bell does not charge a withdrawal fee once you move into drawdown.

The Junior stocks and shares ISA pays 0.25% a year on funds and 0.25% on shares, ETFs and investment trusts, with shares capped at £2.50 a month, or £30 a year. Share deals cost £5 and fund deals £1.50. A child's pot of £5,000 in funds would cost £12.50 a year in account charges, before the fund managers' own charges.

Yes. Since May 2026, AJ Bell has charged no dealing fee on regular monthly investments, down from £1.50 a deal, across its SIPP, ISA, Junior ISA, Lifetime ISA and Dealing account. You can invest from £25 a month into selected investments. The 0.25% account charge and fund managers' charges still apply, and regular deals do not count towards the 10-deal threshold for the £3.50 share rate.

Yes. Cash held with AJ Bell is protected up to £120,000 per person per banking licence, and AJ Bell spreads cash across several banks. Investments are held separately from AJ Bell's own money in a nominee company, Lawshare Nominees Limited, and if AJ Bell failed and anything were missing, the FSCS covers up to £85,000. It does not cover falls in the value of your investments.

Dodl is a separate investing app from AJ Bell. It charges 0.15% a year, with a £1 monthly minimum, and its charges page lists no separate dealing commission. It offers an ISA, Lifetime ISA, pension and general investment account. The main AJ Bell platform charges 0.25% a year plus dealing fees, and also offers Junior ISA and Junior SIPP accounts.