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Hargreaves Lansdown review: fees, accounts and what customers say

The UK's biggest platform, now cheaper after 2026 fee cuts

4.3 on Trustpilot (Excellent)Fees verified July 2026

The short version

Hargreaves Lansdown is the UK's largest DIY investment platform and leans into service: fast phone support, deep research and every account type you might need. The March 2026 fee cuts made it meaningfully cheaper, with fund fees down to 0.35% and share dealing at £6.95.

It is still rarely the cheapest option. You are paying for service and breadth, so the honest question is whether you will use them. If not, AJ Bell offers similar range for less.

Best for: Investors who want the fullest service, research and support and will pay a premium for it.

Hargreaves Lansdown fees

Platform fee0.35% on funds up to £250k (tiered lower above); shares capped at £45/year in an ISA and £150/year in a SIPP
Share dealing£6.95 per trade (cut from £11.95 in March 2026)
Fund dealing£1.95 per trade (free via regular investing)
FX fee1% on the first £5k, tiered lower above
Stocks & Shares ISAPlatform fee applies
SIPPPlatform fee applies
WithdrawalsFree
Minimum to start£25/month or £100 lump sum
  • March 2026 changes cut the fund platform fee from 0.45% to 0.35% and share dealing from £11.95 to £6.95, but introduced a new £1.95 fund dealing charge.
  • HL says eight in ten clients are better off or unchanged under the new pricing.

Verified July 2026 against Hargreaves Lansdown's published charges. Always check the provider's current schedule before opening an account.

Accounts available

General Investment AccountStocks & Shares ISALifetime ISAJunior ISASIPPActive Savings

FSCS protected up to £85,000. Authorised and regulated by the FCA.

What the reviews say

Hargreaves Lansdown scores 4.3 out of 5 on Trustpilot (Excellent) from over 21,000 reviews.

Service quality is the recurring theme: phone answered quickly, knowledgeable staff, smooth transfers.

Price. Even after the cuts, reviewers and commentators note cheaper alternatives for the same investments.

Pros and cons

Where it wins

  • Best-in-class service, research and educational content
  • Everything under one roof, including Lifetime ISA and cash savings
  • 2026 fee cuts narrowed the gap to rivals
  • Share holding charges capped in ISAs and SIPPs

Where it loses

  • Still more expensive than AJ Bell or app-based brokers for most portfolios
  • New £1.95 fund dealing fee for ad-hoc trades
  • 1% headline FX charge is high

Compare Hargreaves Lansdown with other brokers

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Picked a broker? Now check the bigger question.

Hargreaves Lansdown 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.

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Capital at risk. This page is information, not financial advice.