Lifetime 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%
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%
  • 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 a Lifetime 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.
  • Transfer out and other charges
      Charge
    Cash transfer to another Lifetime ISA manager No charge
    Transfer out the underlying assets £25 per holding
    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%

We'll take all charges from your Lifetime ISA, unless you've requested otherwise. These charges and rates are effective from 8 April 2019. 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.


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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 £50.7 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.

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