On a £500,000 stocks and shares ISA held in funds, the cheapest platform here costs £0.00 a year and the dearest £1,000.00 — a difference of £1,000.00 a year, or 0.20% of the pot, for holding the same investments.
| Platform | Custody | Dealing | Total a year | % of pot |
|---|---|---|---|---|
| Barclays Smart Investor | £0.00 | £0.00 | £0.00 | 0.00% |
| Lloyds Bank Share Dealing | £36.00 | £18.00 | £54.00 | 0.01% |
| iWeb | £0.00 | £60.00 | £60.00 | 0.01% |
| Halifax Share Dealing | £36.00 | £114.00 | £150.00 | 0.03% |
| interactive investor | £179.88 | £17.88 | £197.76 | 0.04% |
| Vanguard UK | £375.00 | £0.00 | £375.00 | 0.07% |
| Fidelity UK | £1,000.00 | £0.00 | £1,000.00 | 0.20% |
Every figure assumes 12 trades a year of £1,000 each, inside a stocks and shares ISA. It excludes Stamp duty at 0.5% on UK share purchases, the £1 PTM levy on orders over £10,000, fund manager charges (the OCF), and any foreign-exchange fee — every one of those is charged by someone other than the platform and is the same wherever you hold the money.
Dealing charges are the part you control. The eight cheapest platforms above, at different numbers of £1,000 trades a year:
| Platform | 0 | 4 | 12 | 24 | 52 |
|---|---|---|---|---|---|
| Barclays Smart Investor | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Lloyds Bank Share Dealing | £36.00 | £42.00 | £54.00 | £72.00 | £114.00 |
| iWeb | £0.00 | £20.00 | £60.00 | £120.00 | £260.00 |
| Halifax Share Dealing | £36.00 | £74.00 | £150.00 | £264.00 | £530.00 |
| interactive investor | £179.88 | £185.84 | £197.76 | £215.64 | £257.36 |
| Vanguard UK | £375.00 | £375.00 | £375.00 | £375.00 | £375.00 |
| Fidelity UK | £1,000.00 | £1,000.00 | £1,000.00 | £1,000.00 | £1,000.00 |
Trading 212 — Trading 212 offers shares and ETFs, not funds.
Freetrade — Freetrade offers shares, ETFs and investment trusts, not funds.
Interactive Brokers — Interactive Brokers publishes UK fund dealing as 'nil to £4.95' — a range, not a price.
Hargreaves Lansdown — Hargreaves Lansdown publishes a taper above £250,000 without publishing the rates inside it, so a pot this size cannot be costed from its own page.
AJ Bell — AJ Bell publishes a taper above £250,000 without publishing the rates inside it, so a pot this size cannot be costed from its own page.
eToro — eToro's ISA is provided by Moneyfarm and its charges are not published on eToro's own fee pages.
Revolut — Revolut offers shares and ETFs, not funds.
These are not omissions. A cheapest-platform table with an invented number in it is worse than one with a gap.
Barclays Smart Investor, at £0.00 a year for funds — 0.00% of the pot, assuming 12 trades of £1,000. Trade less and the ranking can change; the table above shows the same platforms at nought to fifty-two trades a year.
Yes, and that is the whole reason this site has a page per pot size. Flat fees win on big pots and percentage fees win on small ones, so a platform that is cheapest at £1,000 can be among the dearest at £250,000.
Stamp duty at 0.5% on UK share purchases, the £1 PTM levy on orders over £10,000, fund manager charges (the OCF), and any foreign-exchange fee — every one of those is charged by someone other than the platform and is the same wherever you hold the money.
No. Cost is the part that is knowable in advance, which is why it is worth getting right — but it says nothing about which investments are available, whether the platform holds funds as well as shares, or how it behaves when something goes wrong.
Charges read 19 August 2026 from each platform's own pricing page, quoted verbatim on the platform pages and linked there. Percentage custody charges are applied to the whole balance, which is how these platforms publish them. Where a platform publishes a taper without publishing the rates inside it, pots in that range are left uncosted.
Charges read 19 August 2026 from each platform's own pricing page. Platforms reprice with little notice, and nothing here is advice — it is arithmetic on published charges.