What St. James's Place costs
St. James's Place charges 3% on the first £250,000 per one-off, rising to 0.09% to 0.69% per aum on the top tier. There is no free plan below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Initial advice charge | Price3% on the first £250,000one-off payment | Included
| Not included
|
| Ongoing advice charge | Price0.80%per year, charged on the balance you hold | Included
| Not included
|
| Product charge, ISAs and unit trusts | Price0.27%per year, charged on the balance you hold | Included
| Not included
|
| Product charge, pensions and investment bonds | Price0.35%per year, charged on the balance you hold | Included
| Not included
|
| Fund charge | Price0.09% to 0.69%per year, charged on the balance you hold | Included
| Not included
|
- Free tier: no.
- Billing currency: Charges are percentages of the value invested, so the cash amount changes as your portfolio does. This structure has applied since 26 August 2025.
Prices taken from St. James's Place’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Initial advice charge at 3% on the first £250,000 per one-off is the tier that covers 2% on the next £250,000.
- Ongoing advice charge at 0.80% per aum is the tier that covers ongoing advice based on the value in your account.
- Product charge, ISAs and unit trusts at 0.27% per aum is the tier that covers tiered: 0.27% on the first £500,000, then 0.24%, 0.21%, 0.19% and 0.17% on higher bands.
- Product charge, pensions and investment bonds at 0.35% per aum is the tier that covers tiered: 0.35% on the first £500,000, then 0.32%, 0.29%, 0.27% and 0.25% on higher bands.
- Fund charge at 0.09% to 0.69% per aum is the tier that covers sjp states around 95% of its funds fall in this range.
St. James's Place suits people with a substantial portfolio who want a named human adviser handling everything, so that is the lens to pick a tier through.
What the price does not cover
- Charges are percentages of the value invested, so the cash amount changes as your portfolio does. This structure has applied since 26 August 2025.
- Ongoing advice, product and fund charges
- Product and fund charges, which are separate
- Advice and fund charges
- Advice and fund charges
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs St. James's Place.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
St. James's Place sells something Delphina does not: a human adviser who takes the whole thing off your hands, and for people who want that, it is a genuine service with genuine value. The trade-off is that percentage-based charges scale with your wealth while software does not. Delphina is Free, £9.99 a month on Wealth Builder or £19.99 a month on Investor, flat, with ISAs, UK pensions, UK tax and Open Banking built in. Nothing here is advice, and for complex affairs a regulated adviser may still be the right answer.
More on St. James's Place
St. James's Place: common questions
St. James's Place costs 3% on the first £250,000 per one-off. Prices were checked on 21 July 2026.
No. St. James's Place has no free tier, so the cheapest way in is 3% on the first £250,000 per one-off.
Charges are percentages of the value invested, so the cash amount changes as your portfolio does. This structure has applied since 26 August 2025. The size of that fee is set by your card issuer, not by St. James's Place, so check your card's terms.
The decision-relevant difference is that Ongoing advice charge adds ongoing advice based on the value in your account. Initial advice charge covers 2% on the next £250,000.
There are cheaper tools in the investing category, though most trade away something St. James's Place does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job St. James's Place does for people with a substantial portfolio who want a named human adviser handling everything.