Important information - please keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity's advisers or an authorised financial adviser of your choice.
We believe in giving you great value, so we charge an annual service fee, payable monthly, based on the total value of your investments, this means you pay the lowest rate possible. We do not charge a service fee on Junior ISA and Junior SIPP accounts.
What’s more, we will give you a Cash Management Account that is separate from your other accounts. We collect fees from any cash held there, before we look to take money or sell from investments held in other accounts, for example your tax-wrapped ISA or SIPP.
And did we mention all the award-winning guidance, on-the-go access and support with investing you get? That’s all included.
The table below shows how this fee changes as your investments increase.
In addition to our service fee, there may also be charges set by the company managing your funds, and there will be additional charges for any share dealing you engage in. For more details, please visit our main fees and charges page.
Please read the Doing Business with Fidelity document for more detail on our fees and charges.
| Value of investments | Service fee (annual amount or %) |
|---|---|
| Less than £25,000 | 0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don't |
| £25,000 or more but less than £250,000 | 0.35% |
| £250,000 or more but less than £1 million | 0.20% |
| £1 million+ | 0.20% a year for the first £1 million and no service fee for investments over £1 million. This means the maximum fee you will ever pay for all of your personal accounts is £2,000 a year. |
The same service fee is charged across all of your investments. So, if you hold £300,000 - the fee would be 0.20% across the full amount. For exchange-traded instruments, this portion of the fee is capped at £90 (£7.50 a month) and there is no service fee for these investments when held in the Fidelity Investment Account. There’s also no fee for investments held in a Junior ISA or Junior SIPP.
Ongoing fund charges are set by the companies who manage the funds and start from 0.05%.
Some funds may also have:
We’ve negotiated discounted ongoing charges on hundreds of funds on our platform. We recommend checking each investment's factsheet for more information, as investment charges can differ between funds.
Download the Doing Business with Fidelity document for more fees and charges information.
Cash in your Fidelity accounts is currently held as ‘Cash Within Your Account’.
We currently don’t charge a service fee on Cash Within Your Account. However, we reserve the right to retain an amount of the interest received from the bank(s) we deposit your money with to cover the cost of administering these cash balances. Please go to www.fidelity.co.uk/cash for further details.
Our quick and easy-to-use calculator will estimate your fees within a couple of minutes. As investment charges vary depending on which fund you invest in, this tool is only meant as a guide. If your needs are more complex, consider talking to our financial advisers.
What could my fees be?The fees mentioned above are for investments held directly with Fidelity.
If you hold some investments through a financial adviser, then the charges will be different from the ones you hold directly with us.
We suggest you speak with your financial adviser to find out more about what charges and fees will be applied.
Just enter your details and then choose from a regular savings plan or a one-off payment.
Just enter details of your current providers, we’ll do the rest and let you know when the transfer is complete
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ISA, SIPP and Investment Accounts
We'll be in touch with all of our customers to inform you of these changes formally, or to find out more now, you can read our Doing Business With Fidelity document.
