ISA charges
Shares custody charge (including investment trusts, ETFs, gilts and bonds)
0.25%
of the value of the shares in your account
Maximum £7.50 per quarter
Funds custody charge (including unit trusts, OEICs and structured products)
0.25%
on the first £250,000 of funds
0.10%
on the value between £250,000 and £1m
0.05%
on the value between £1m and £2m
No charge
on the value of funds over £2m
Cash
No charge
Buying and selling investments (per deal)
£1.50
Funds (including unit trusts and OEICs) online
£9.95
Shares (including investment trusts, ETFs, gilts and bonds) online
£4.95
Shares, where there were 10 or more online share deals in the previous month
| Value | Charge | |
|---|---|---|
| Regular investments online | £1.50 | |
| Dividend reinvestment | 1.00% (min £1.50, max £9.95) | |
| Telephone | £29.95 | |
| Where we are required to complete a paper application (eg structured products and IPOs where specified) | £100 | |
| Foreign exchange charge on international dealing and foreign currency funds | First £10,000
Next £10,000 Next £10,000 Value over £30,000 |
1.00% 0.75% 0.50% 0.25% |
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Interest rates paid on the cash held in your ISA
Cash balance Gross interest rate for this tier only Interest rate (AER) for this tier only Above £50,000 0.15% 0.15% Above £10,000 - £50,000 0.10% 0.10% £10,000 and below 0.00% 0.00% Notes:
- The interest rate for each tier only applies to money held in that tier and not to the account balance as a whole. Total interest paid will be a blended rate depending on the money held in each tier. Therefore the interest rates shown should not be used for comparative purposes with other accounts, unless they operate on a similar basis.
- The Annual Equivalent Rate (AER) represents the annual rate effectively received by your account if the interest at gross rate applied during a year remained in the account and itself earned interest.
- There are no routine bank transaction charges and interest is paid to your account without any deduction of tax.
- Interest rates are subject to variation and interest is paid to your account quarterly, in arrears. Interest will not be credited or paid if the amount of such interest, at the end of each quarter, is less than £2.50.
- AJ Bell receives payments from banks based on the aggregate cash balances held across all accounts. The amount we receive will vary depending on the total cash balances held and market interest rates. Over the foreseeable future, we expect to receive between 0.25% below and 0.05% above the prevailing base rate for cash held within an ISA, although it may be higher or lower when interest rates are volatile. These payments are used to pay interest at the rates shown on our website, and we retain the amount received above these rates to keep our administration, custody and dealing charges low.
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Transfer out and other charges
Charge Cash transfer to another ISA manager No charge Transfer out the underlying assets £25 per holding Cash withdrawal by BACS No charge Payment by CHAPS £25 plus VAT Disinvestment, if we need to sell some of your holdings to cover charges £29.95 per holding Foreign exchange charge payable when we have to convert any dividends or corporate action payments into sterling 0.50%
All charges will be deducted from your ISA. These charges and rates are effective from 20 December 2018. You must always ensure that there is sufficient cash held to cover our charges when they are due for payment. VAT is only applicable where indicated.
Invest up to £20,000 into a self-managed AJ Bell Youinvest Stocks and Shares ISA today
Open a ISARead more about our ISA
We make investing easier
For nearly twenty years, AJ Bell Youinvest has helped people invest in the life they want to live. We’re part of AJ Bell, one of the largest investment platforms in the UK, with £44.2 billion in assets under administration.
Our award-winning ISAs
We're proud to have won many ISA awards – including 'ISA Provider of the Year' at the ADVFN International Finance Awards two years running.
