Stocks & shares ISA charges
Freetrade’s stocks and shares ISA is simple.
Invest commission-free in shares, ETFs, investment trusts and more, all for a low monthly fee.
When you invest, your capital is at risk. Tax rules for ISAs can change and their benefits depend on your circumstances.
Other charges may apply. See our full pricing table.
How much will a Freetrade stocks
and shares ISA cost?
You can get a stocks and shares ISA as part of our Standard plan for £5.99 per month, or Plus plan for £11.99 per month.
General investment account (GIA)
Stocks and shares ISA
Self-invested personal pension (SIPP)
Automated order types
Commission-free trades
(other charges may apply)
US fractional shares
(available in GIAs and SIPPs only)
Range of stocks
6,000+
6,000+
Automated order types
Treasury custody fee (free until April 2024)
0.45%
0.10%
0.10%
Interest on uninvested cash
3% AER on up to £2,000
5% AER on up to £3,000
Customer service
Basic
Priority
Advanced stock fundamentals
Freetrade Web beta
FX fee
0.59%
0.39%
Transfer in
Free
Free
Transfer out - UK stock or cash
Free
Free
Transfer out - US stock
£17 per holding
£17 per holding
General investment account (GIA)
Stocks and shares ISA
Self-invested personal pension (SIPP)
Commission-free trades
(other charges may apply)
US fractional shares
(available in GIAs and SIPPs only)
Range of stocks
6,000+
Automated order types
Interest on uninvested cash
3% AER on up to £3,000
Customer service
Priority
Advanced stock fundamentals
Freetrade Web beta
FX fee
0.59%
Transfer in
Free
Transfer out - UK stock or cash
Free
Transfer out - US stock
£17 per holding
General investment account (GIA)
Stocks and shares ISA
Self-invested personal pension (SIPP)
Commission-free trades
(other charges may apply)
US fractional shares
(available in GIAs and SIPPs only)
Range of stocks
6,000+
Automated order types
Interest on uninvested cash
5% AER on up to £3,000
Customer service
Priority
Advanced stock fundamentals
Freetrade Web beta
FX fee
0.39%
Transfer in
Free
Transfer out - UK stock or cash
Free
Transfer out - US stock
£17 per holding
Transfers may be subject to restrictions, take a look at our ISA transfer rules for more information.
How much can I invest in a stocks and shares ISA?
Each tax year the UK government sets an ISA allowance. It’s the total amount of money you can put into ISAs each year.
The ISA allowance for the 2024/25 tax year (which ends on 5th April 2025) is £20,000.
Compare stocks and shares ISA charges
Simple plans with low monthly fees. So your your ISA can grow without your fees growing too.
Comparison Disclosure ⓘ
Comparisons to other stocks and shares ISA providers are based on published costs on their websites as of 31 July 2024, for a portfolio size of £5,000 and trades on shares and ETFs within a stocks and shares ISA.
Hargreaves Lansdown:
ISA charges 0.45% of the value of shares in your account, capped at £3.75/mo. Fee per trade reduces depending on the number of trades in the previous month to £8.95 per trade for 10-19 trades, and £5.95 for 20 or more trades. The FX fee reduces on a tiered scale, based on transaction value: 1% for the first £5,000, 0.75% for the next £5,000, 0.50% for the next £10,000, and 0.25% for anything above £20,000.
Interactive Investor:
Based on the Investor Essentials plan, which allows for a maximum portfolio size of £50,000 and charges a £4.99/mo account fee. For portfolios above £50,000, customers are automatically moved on to the Investor Plan with an £11.99/mo account fee. The FX fee reduces on a tiered scale, based on transaction value: 1.25% for trades between £25,000 - £49,999, 1.0% for trades between £50,000 - £99,999.99, 0.50% for trades between £100,000 - £599,999, and 0.25% for trades of £600,000 or more.
AJ Bell:
ISA charges 0.25% of the value of the shares in your account, capped at £3.50/mo. Each share or ETF trade is £5.00. Fee per trade reduces to £3.50 when 10 or more trades are done in the previous month. The FX fee reduces on a tiered scale, based on transaction value: 0.75% for the first £10,000, 0.50% for £10,001 - £20,000, and 0.25% for anything over £20,000.
ISA fees calculator
Use our calculator to compare Freetrade’s charges against other investment ISA providers.
Open investment ISA
Make your savings work harder. Download the app and open your ISA account in minutes.
Transfer ISA
Grow your savings, not your fees. Find out how to transfer your ISA by following the link below.
Stocks and shares ISA charges FAQ
How do I pay for my ISA?
Your stocks and shares ISA comes as part of the Standard plan for £5.99 per month, or Plus plan for £11.99 per month. You’ll be charged on the day of the month you sign up for a plan and that same day each month after.
Are there any fees to transfer my ISA to Freetrade?
No, we don’t charge you anything for transferring your stocks and shares ISAto Freetrade. However, your current provider may charge, so please check directly with them.
Are there fees for transferring away from Freetrade?
If you decide to leave Freetrade, you can transfer out UK or US securities as cash or stock. At the moment, to transfer any non-UK or non-US securities away from Freetrade, you will have to sell them first and transfer the amount as cash. When you transfer as cash you’ll be out of the market, so you may miss out on the ups and downs during your transfer.
Stocks can only be transferred as whole shares. If you wish to transfer a fraction of a share, you will have to sell it first and transfer the amount as cash.
There is no fee to transfer out UK securities or cash. Transferring out US securities will incur a cost of £17 per holding. We charge this amount to cover the fee our service provider charges us.
Your new provider may not be able to accept transfers of all securities you hold with Freetrade. It’s worth checking if they can support your stocks before you start your transfer.
Your future broker can send an electronic transfer request to us at: transfers@freetrade.io.
What happens to my ISA if I cancel my Standard / Plus plan?
In order to cancel your Plus/Standard plan, you’ll have to close or transfer out your ISA first.
Can I have more than one ISA?
You can have more than one ISA. Which means you could have a cash ISA and a stocks and shares ISA at the same time. You could also have a few stocks and shares ISAs that you have built up over the years with different providers.
There is a catch though, each tax year you can only open or top up one of each type of ISA account.
So for example, you can top up one stocks and shares ISA and one Cash ISA in the same tax year. But you can’t top up two stocks and shares ISAs in the same tax year.
For more information, take a look at our guide to stocks and shares ISAs.
Your stocks and shares ISA comes as part of the Standard plan for £5.99 per month, or Plus plan for £11.99 per month. You’ll be charged on the day of the month you sign up for a plan and that same day each month after.
No, we don’t charge you anything for transferring your stocks and shares ISAto Freetrade. However, your current provider may charge, so please check directly with them.
If you decide to leave Freetrade, you can transfer out UK or US securities as cash or stock. At the moment, to transfer any non-UK or non-US securities away from Freetrade, you will have to sell them first and transfer the amount as cash. When you transfer as cash you’ll be out of the market, so you may miss out on the ups and downs during your transfer.
Stocks can only be transferred as whole shares. If you wish to transfer a fraction of a share, you will have to sell it first and transfer the amount as cash.
There is no fee to transfer out UK securities or cash. Transferring out US securities will incur a cost of £17 per holding. We charge this amount to cover the fee our service provider charges us.
Your new provider may not be able to accept transfers of all securities you hold with Freetrade. It’s worth checking if they can support your stocks before you start your transfer.
Your future broker can send an electronic transfer request to us at: transfers@freetrade.io.
In order to cancel your Plus/Standard plan, you’ll have to close or transfer out your ISA first.
You can have more than one ISA. Which means you could have a cash ISA and a stocks and shares ISA at the same time. You could also have a few stocks and shares ISAs that you have built up over the years with different providers.
For more information, take a look at our guide to stocks and shares ISAs.
Simple pricing plans
Choose how you'd like to pay:
Annually
Save 17%
Monthly
Annually
Save 17%
Monthly
Accounts
Benefits
- Commission-free trades (other charges may apply. See full pricing table.)
- Trade USD & EUR stocks at the exchange rate + a 0.99% FX fee
- Fractional US Shares
- Access to more than 4,700 stocks, including the most popular shares and ETFs
- 1% AER on up to £1,000 uninvested cash
£59.88 billed annually
Billed monthly
Accounts
Benefits
Everything in Basic, plus:
- Full range of over 6,200 US, UK and EU stocks and ETFs
- Trade USD & EUR stocks at the exchange rate + a 0.59% FX fee
- Automated order types, including recurring orders
- Advanced stock fundamentals
- 3% AER on up to £2,000 uninvested cash
£119.88 billed annually
Billed monthly
Accounts
Benefits
Everything in Standard, plus:
- Trade USD & EUR stocks at the exchange rate + a 0.39% FX fee
- Priority customer service
- Freetrade Web beta
- 5% AER on up to £3,000 uninvested cash
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