Information for Fundzone customers

Your account already has a Cash account and a Personal Portfolio (PP).

You also can also add an Individual Savings Account (ISA) to your account. Fundzone products come with their own features, limits, and tax rules - you can learn more about these in the key features.

Fundzone PP & ISA key features (PDF)

Your Cash Account

A Cash Account is automatically set up as part of your holding on Fundzone. It is used to pay product charges and any adviser charges that are set up.

Money in the Cash Account is held outside of the Fundzone products. This means that for ISA clients any charges that are deducted will not impact your ISA allowance.

Cash Accounts cannot have a negative balance, so it’s important that you monitor this to make sure there are sufficient funds to cover all charges. You can learn more about charges below.

Fundzone provides complete flexibility and no hidden charges

• There aren't any extra switching charges if you move your money between funds.
• There aren't any additional charges for using model portfolio functionality or tools.
• There aren't any withdrawal or transfer-out charges.

You'll find a summary of charges on this page, but full information is available in Fundzone terms & conditions (PDF)

Help comparing platform charges

Our guide to comparing platform charges identifies the main components of platform charges and explains what these different charges might look like, to help you to compare this service with others or understand what you will pay.

Comparing platform charges guide (PDF)

Product charge

We apply a stepped product charge for each product held on Fundzone, one for the Stocks and Shares ISA and one for the Personal portfolios. Each of these charges is based on the combined value of investments in both products, as shown in the table below.

The charges that apply to your account will be shown in your charging schedule and charges information document. If you would like more information about your charges or how they impact your account, please call the customer centre on 0345 279 2002. Call charges will vary.

Interest rates

Each customer automatically has access to Fundzone Supermarket Cash Account. In addition, Fundzone also operates cash accounts at a product level.

The annual gross interest rate we pay to customers on product level cash accounts is calculated with reference to the Bank of England base rate. This means that you can always work out what the interest rate paid will be, using the table below (paid rates are rounded up to the nearest 0.01%).

For example, under the base rate announced on 8th May 2025 of 4.25%, the rate we pay to customers on product level cash accounts is 2.03% per annum. This is calculated as 0% of the first 1.10%, plus 50% of the next 0.90%, plus 70% of the next 2.25%; i.e., 0.00% + 0.45% + 1.58% = 2.03%.

Interest is calculated daily. If the base rate is negative this table will not apply and paid rates may become negative. When the Bank of England base rate changes, the rate paid to customers will be updated within five working days. The interest rate on Fundzone Supermarket Cash account is 0.00% per annum.

Cash Management Administration Charge

The rate we earn from our banking partner(s) may be higher or lower than base rate and may vary daily. We retain any additional interest earned as a margin to cover costs in managing cash and undertaking certain platform services in respect of cash holdings. We call this margin the Cash Management Administration Charge (CMAC). The CMAC is taken directly from the interest received from the bank(s), so will not appear as a separate charge.

Register for the Aberdeen client portal

We’re changing the online access for your ISA and/or Personal Portfolios. As part of this, you’ll receive an email inviting you to register for the Aberdeen client portal, which will allow you to view your account online securely.

This will give you access to our easy-to-use online portal. It takes no time at all to set up.

You’ll get an email from us with instructions on how to register for the new portal.

For help with registering, have a look at our client portal guide (PDF)

Once registered, you can log in to your account through the client portal login page.