The value of investments can go down as well as up, and the investor could get back less than was paid in. Laws and tax rules may change in the future. Personal circumstances and where the investor lives in the UK will also have an impact on tax treatment.

What is Fundzone?

Fundzone gives you access to thousands of funds from many fund managers.

View literature for Fundzone


Changes to Fundzone

As part of our Adviser Experience Programme, we've upgraded Fundzone to improve usability and help make servicing your clients quicker and easier.

Find out what’s changed


Benefits to you

Fundzone offers online services to help reduce your admin. You can apply online, produce valuations, update client records and switch funds. You can also use a range of investment tools for fund selection and risk profiling.

To help make your work more efficient, you can also use Fundzone to view all of your client’s information in one place, with consolidated statements for an up-to-date picture of a client’s whole portfolio.

Clients can also have access to online valuations on Fundzone, if you choose to make this available to them.



A wide range of funds, ISA tax wrapper and fund factsheets.


Driven with the same powerful technologies that drive our Wrap platform.



Design a remuneration structure that suits your client’s needs.

Benefits you can pass on to clients

Fundzone gives your clients access to a wide range of investment funds. This includes the Stocks & Shares Investment Savings Account (ISA), which is an open-ended, tax-efficient medium to long-term investment account.

Global reach


Give clients a choice of Personal Portfolios managed by a large number of fund managers, covering different asset classes, regions and investment styles.



Open up access to innovative funds.


Cost effective ISA management

Transfer existing stocks and shares ISAs to retain tax benefits and manage together.

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.

Total value of investments (excluding cash) Annual product charge (deducted monthly)
£500,000 and over 0.20%
£100,000 to £499,999.99 0.25%
£50,000 to £99,999.99 0.30%
£0 to £49,999.99 0.35%

Comparing platform charges

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

Comparing platform charges – Fundzone

Interest rates

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

The annual gross interest rate we pay to customers on 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 and deducting 0.35% from the total (with a minimum paid rate of 0.00%; paid rates are rounded up to the nearest 0.01%):

Base rate (per tier) % of interest paid to customers (before reduction by 0.35%)
0.00% - 0.50%
0.50% - 1.00%
1.00% - 2.00%
2.00% - 5.00%
5.00% +

For example, under the base rate announced on 23rd March 2023 of 4.25%, the rate we pay to customers on product level cash accounts is 1.88% per annum. This is calculated as 0% of the first 0.50%, plus 30% of the next 0.50%, plus 50% of the next 1.00%, plus 70% of the next 2.25%, minus 0.35%; i.e., 0.00% + 0.15% + 0.50% + 1.40% - 0.35% = 1.88%

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 the 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. 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.

Cash account

A cash account is automatically set up as part of your clients' 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 their ISA allowance.

The Cash account 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 use our Cash Balance report to do this.

Adviser payments

We have a comprehensive range of adviser charging options on Fundzone, offering your client flexibility and choice.

Adviser charges and product charges will be paid from the Cash account. An ongoing adviser charge can be taken monthly, quarterly, half-yearly and yearly.

If your charge is cancelled, you will need to set up a new adviser charge on Fundzone. A regular initial adviser charge cannot be restarted.

Adviser charges Stocks & Shares ISA Personal Portfolios
Inital Adviser Charge (% / £) Yes Yes
Regular Initial Adviser Charge (£) - available for regular payments only Yes Yes
Ongoing Adviser Charge (% / £) Yes Yes
Ad hoc Adviser Charge (% / £) Yes Yes

Online services

Once logged in, you can access a range of information and carry out a number of services for your clients online, including:

  • Purchases and sales
  • Portfolio valuations
  • Transaction histories
  • Fund switches
  • Changes to client details

Log in to Fundzone

Useful tools

More resources for advisers