Junior ISA charges

• The annual funds and shares custody charges will be based on the mid-price value of investments in your account on the last working day of each month in the calendar quarter. This will include investments added to your account, but not yet settled at the month end. The charges will normally be collected within 20 business days of the quarter end.
• For new accounts opened during the month the funds and shares custody charges will be applied on a pro rata basis from the date of account opening to the end of the month. For accounts closed in a month, the custody charges will be applied on a pro rata basis from the beginning of the month to the date we receive your closing instruction.

• The shares online dealing charge is determined by the number of shares deals you placed in the previous calendar month across the accounts in your individual name (excluding any regular investment and dividend reinvestment deals). For example, the charge you pay in February will depend on the number of shares deals you made in January. If you make 10 or more online shares deals a month, then the £4.95 charge will apply the following month.
• The investments that you choose may have their own initial and annual charges, in addition to our dealing and custody charges.
• If you are investing in unit trusts and OEICs, we offer discounts on the initial charge made by the fund managers. Any specially negotiated discounts of initial charges on unit trusts and OEICs are passed to you. See our funds universe for details. Information on the annual charge for the unit trust or OEIC may be obtained from our website, or direct from the fund manager.
• Dealing charges apply separately to purchases and sales. The dealing charge for each transaction will be shown on the contract note.
• Dealing charges don’t apply for buying the AJ Bell funds.
• Stamp duty of 0.50% applies on all purchases (not sales) of UK quoted shares (1.00% for shares quoted on the Irish Stock Exchange). Stamp duty is payable on certain securities issued by UK incorporated companies where these securities are traded as CREST Depositary Interests. There is no stamp duty on purchases (or sales) of unit trusts, open ended investment companies (OEICs), exchange traded funds (ETFs), warrants and government stock (gilts).
• The PTM (Panel on Takeovers and Mergers) levy of £1.00 is payable on equity trades with a consideration over £10,000 in securities of companies which are incorporated in the UK, Channel Islands or the Isle of Man.
• You will be told in advance if we need to complete a paper application.

International dealing

• Additional government and local stock exchange charges are payable for certain international markets. These will be added to your contract note.
• A foreign exchange charge will be applied to the value of your deal. This charge is tiered so the overall charge paid will be a blended rate based on the value of the deal that falls into each tier. We may share a proportion of this charge with our service provider.