ISA guide: everything you need to know for the 2024/25 tax year
In our ISA guide, we explain everything you need to know about ISAs: how they work, how much you can pay in, what investments you can hold, and how to transfer one.
The best stockbrokers and fund platforms for an Isa or Sipp
Broker
Isa account charges
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Sipp account charges
Fund charges
UK share charges
- None
- None
- £1.50/trade,
- 0.25%/yr < £250,000,
- 0.1% £250,000-£1m,
- 0.05% £1m-2m,
- 0% £2m+
- £9.95/trade (£4.95 if more than 10 a month),
- 0.25%/yr (max £3.50/month for ISA, £10/month for SIPP),
- £1.50 regular investment charge,
- 1% div reinvestment (min £1.50 max £9.95)
- None
- £125+VAT/yr
- 0.2%/yr (min £4/month, max £125/month),
- £3 per online transaction,
- £1 per regular transaction
- 0.1%/yr(min £4/month, max £125/month),
- £6 per online transaction,
- £1 per regular transaction
- 0.4%/yr up to £250,000,
- 0.2%/yr £250,000-£1m,
- Free over £1m
- 0.3%/yr up to £250,000,
- 0.2%/yr £250,000-£500,000,
- 0.1% £500,000-£1m,
- 0% over £1m,
- £100+VAT annual admin fee
- No trading charges
- £4.95/trade
- None
- £100+VAT, waived if you have investments with CS of over £30,000
- 0.35%/yr < £200,000,
- 0.2% £200,000-£500,000,
- 0.15% £500,000-£1m,
- 0.05% £1m-2m,
- 0% > £2m,
- No trading charges
- 0.35%/yr, min £24, max £240, waived for the month if you make a chargeable trade,
- £11.50/trade.
- £17.49/qtr (£22.48 for both ISA and Sipp),
- 0.2% for a LISA, max £40/yr
- £17.49/qtr (£22.48 for both ISA and Sipp)
- 0.3%/yr < £50,000,
- 0.25% £200,000-£2m,
- 0.15% > £2m (max £250 per qtr),
- Custody fees offest against trading charges
- £10.99/trade (£9.99 for ETFs),
- £1.50 regular investments,
- £1.50 div reinvestment
- None
- None
- 0.35% < £7,500: (£45/yr without regular savings plan),
- 0.35% – £7,500-£250,000,
- 0.2% – £250,000-£1m,
- No further charge above £1m
- £10 per trade,
- £1.50 regular investing & div reinvestment
- £36/yr
- £22.50/qtr (SIPP value < £50,000),
- £45/qtr (SIPP value > £50,000)
- £9.50/trade (online),
- £2/trade for regular investments
- £9.50/trade,
- £2/trade for regular investments,
- 2% div reinvestment fee, max £9.50 per stock
- None
- None
- 0.45%/yr < £250,000,
- 0.25% £250,000-£1m,
- 0.1% £1m-£2m,
- No further charge above £2m
- 0.45%/yr (max £45 in Isa, max £200 in Sipp),
- Max £11.95/trade,
- 1% div reinvestment fee, min £1, max £10
- £10.50/qtr,
- Must have HSBC current account
- Not available
- 0.25%
- £10.50/trade,
- £7.95 for frequent trades (at least 9 deals/qtr)
- £5/qtr
- £5/qtr, plus variable charges depending on Sipp administrator
- None. Restricted list of fund families available
- £9.90/trade
- £24/qtr, waived if you trade at least 3 times in the qtr, or hold more than £15,000
- Not available
- Not available
- £8/trade, reduced to £3/trade if you make more than 3 trades a month
- £9.99/mth, which includes 1 trade/mth
- £12.99/mth or £10/mth if you hold an II Isa
- £7.99/trade
- £7.99/trade,
- £0.99 div reinvesting
- £100 account opening fee, no annual charge
- £22.50/qtr (under £50,000)
- £45/qtr (over £50,000)
- £5/trade
- £5/trade
- 0.15%/yr
- 0.15%/yr capped at £375
- No charge to switch holdings, deal, make payments or exit
- £7.50 for real-time ETF trades
- None
- £99+VAT/yr
- Not available
- £5.95/trade
Ruth is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times.
A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service.
Outside of work, she is a mum to two young children, a magistrate and an NHS volunteer.
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