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ISA charges explained

Find out about ISA charges and how they're applied.

Understand ISA charges and how they are applied

Find out about ISA charges and how they're applied. With our Stocks and Shares ISA, you'll pay an overall yearly charge, which is made up of:

  • A platform charge - covering the costs of the services we provide to manage your account
  • A fund charge - covering the costs of managing the fund(s) you're invested in
View Investment options
Our platform charges
Value of platform eligible assets Yearly platform charge
On the first £200,000 0.35%
£200,000+ 0.20%

Comparing Platform Charges

Jargon in financial services can be confusing which makes it hard for your clients to compare services or to understand what they will pay. This document identifies the main components of platform charges and explains what these different charges might look like.

Comparing Platform Charges - Wrap

Fund charges

  • Easy option - you'll pay a fund charge of 0.20%.
  • DIY option - the fund charge will depend on the fund(s) you choose to invest in.

You can find details of all of the charges associated with our ISA and the investment choices you make as part of your application. You can also read our key features document.

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Interest rates and charges for cash accounts

With our ISA, you're automatically set up with three cash accounts. We may pay an interest rate on the cash held in these accounts. We apply a cash management administration charge (CMAC) for the administration of the cash held in these accounts too. Different interest rates and CMACs may apply to each account; these rates are variable so may go up and down.


Cash account Cash interest rate (annual) CMAC (annual)
Platform cash account 0.00% 1.55%
Stocks and Shares ISA cash account 0.53% 1.02%
Personal Portfolio cash account 0.53% 1.02%

Cash management administration charges (CMAC)

The CMAC is in addition to any platform and product charges that may apply to these cash accounts.

This charge is taken directly from the interest received from the bank(s) used to provide these accounts and so isn't deducted from the interest we pay you.

The charges vary depending on the interest received from the bank(s) and may go up and down regularly. 

The CMAC rates stated are example annual rates based on the interest rates received from the bank(s) used to provide these accounts as at 04/08/2022, and assuming a Bank of England base rate of 1.75%.

For the current or previous CMACs please call us.

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Important information about our ISA

If you want to know all about our ISA and how it works, read the key features document.
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