Comparing Stocks and Shares ISA fees
Fees are a key factor in deciding which Stocks and Shares ISA is right for you.
Even a small percentage of difference can add up over time, limiting the potential growth of your funds and reducing how much you end up with due to compounding.
Wealthify is a firm believer in transparency when it comes to fees. We have an annual management fee of 0.6%, which is payable monthly based on the value of your investments. As usual with investing, fund/trading charges also apply, but we work hard to keep these charges as low as possible.
If you want to see how Wealthify and other providers stack up, why not check out our comparison table below.
Get started with a minimum £1,000 initial deposit, then make further adhoc or monthly deposits big or small, to suit you.
With investing, your capital is at risk. Tax on investments depends on your individual circumstances and can change. ISA rules apply.
What to look for in a Stocks and Shares ISA provider
When comparing Stocks and Shares ISA fees, there are a few different things to look out for. Here are some key points to include in your checklist:
- Check total costs: look for providers with lower management fees and trading fees so you can keep more of your returns over time
- Evaluate flexibility alongside your needs: can you withdraw and redeposit your money without affecting your ISA allowance?
- Review investment styles and ethical options: so you can match your investing style to your appetite for risk
- Easy access: look out for a clear online dashboard or mobile app that enables you to check your progress at any time
- Regulation: always look for Financial Conduct Authority-regulated (FCA) providers with Financial Services Compensation Scheme (FSCS) protection
- Customer reviews: for honest opinions and feedback, read independent reviews from customers on sites such as Trustpilot
Comparing Stocks and Shares ISA fees
Below is a concise provider comparison table to help you assess Stocks and Shares ISA fees quickly and efficiently.
← Scroll right on mobile to see full comparison →
| Feature | Wealthify | Moneyfarm | J.P. Morgan Personal Investing | Interactive Investor |
| Management Fees |
Management fee: 0.6% p.a. |
Management fees:
|
Management fees:
|
Management fees:
Monthly fee:
|
| Average fund & trading fee |
Original Plans: 0.15% p.a. Ethical Plans: 0.58% p.a. |
Original Plans: 0.21% p.a. Ethical Plans: 0.24% p.a. |
0.18% p.a. |
Variable depending on portfolio size (monthly fee converts differently) |
| Average total fee |
0.75% p.a. (Original Plan) |
0.91% p.a. (Original Plan, up to £50k) |
0.97% p.a. (up to £100k) |
Variable depending on portfolio size (monthly fee converts differently)* |
| Platform fee |
N/A |
0.25% p.a. |
N/A |
N/A |
| Withdrawal / transfer fees | No | No | No (Please note: this ISA is not a flexible ISA) | No |
| Minimum deposit | £1,000 (Direct Debit contributions from £1) | £500 (Direct Debit from £10) | Minimum deposit: £500 | £250 (Direct Debit from £50) |
Data accurate as of May 2026. Fees shown apply to each provider's managed Stocks and Shares ISA only. Average total fee for Wealthify is based on Original Plans.
*Interactive Investor's flat monthly fee converts to a different percentage depending on your portfolio size.
What do these fees actually mean for your money?
It can be hard to connect fee percentages to the impact they will really have on your money. That’s why we’ve put together an example of how your money could grow in a Stocks and Shares ISA, even with our Wealthify annual management fee and standard fund charges applied.
If you invested £10,000 as a lump sum into a Wealthify Stocks and Shares ISA, what might happen over 10 years?
This is the projected value for a Confident Plan (Medium Risk Plan) with an Original theme, showing total projected value, including the impact of fees at our standard rate and any fund charges. This is only a forecast and is not a reliable indicator of future performance. Values correct as of 11/06/2026.
What's included in our fees?
It’s all well and good knowing the fee, but what does this charge actually cover?
When you pay Wealthify’s management fee, you get:
✓ Professional management and automated rebalancing
✓ Five investment styles to choose from to suit different goals and risk levels (which you can change at any time at no additional cost)
✓ The option of an Ethical Plan (if this suits your values)
✓ A flexible Stocks and Shares ISA, meaning you can withdraw and redeposit without affecting your annual ISA allowance for the current tax year
✓ Easy-to-use web and app dashboards, with all your accounts in one place
✓ Award-winning customer care and support
Customer reviews
How to open a Wealthify Stocks and Shares ISA
Wealthify’s Stocks and Shares ISA is fully managed by our team of investment experts, so you can choose fun, not funds.
To get started with a Wealthify Stocks and Shares ISA, just follow these three steps:
Choose your style
Choose an Original or Ethical plan, an investment style and how much you want to invest (with the option to set up a Direct Debit).
Take our quiz
Complete a suitability quiz to assess your circumstances and attitude towards investing.
We handle the rest
We build your Plan, aligning it with your chosen investment style. Once you’re all set up, our team of investment experts handle everything else, from rebalancing to reporting.
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 30th April 2026, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Original Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 | 30/04/2025 - 30/04/2026 |
|---|---|---|---|---|---|---|
| Cautious | 0.56% | -11.06% | 4.72% | 1.31% | 6.16% | 4.95% |
| Tentative | 3.85% | -10.53% | 6.37% | 3.48% | 8.34% | 9.94% |
| Confident | 6.81% | -9.91% | 7.99% | 6.29% | 10.38% | 15.15% |
| Ambitious | 9.83% | -8.89% | 9.71% | 9.35% | 12.24% | 20.09% |
| Adventurous | 12.91% | -9.18% | 11.61% | 12.56% | 13.81% | 25.10% |
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 13th August 2018 and 30th April 2026, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Ethical Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 | 30/04/2025 - 30/04/2026 |
|---|---|---|---|---|---|---|
| Cautious | 0.80% | -14.80% | 4.80% | 0.60% | 5.30% | 4.20% |
| Tentative | 4.10% | -15.20% | 6.90% | 2.90% | 5.80% | 8.40% |
| Confident | 7.70% | -15.70% | 8.90% | 5.30% | 6.30% | 12.50% |
| Ambitious | 11.10% | -16.30% | 11.10% | 7.60% | 6.50% | 15.90% |
| Adventurous | 14.50% | -17.60% | 13.30% | 10.30% | 6.40% | 19.60% |
Investment ISA FAQs
When you’re building your Personal Investment Plan, the first question you will be asked is whether you would like to open an ISA or a General Investment Account. Select ‘ISA’ to create an Investment ISA Plan. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
If you’re likely to exceed your ISA allowance, you can simply set up a General Investment Plan to invest additional funds. There’s no extra cost for having two or more Plans.
The ISA limit and maximum you can save each year is £20,000. The tax year runs from the 6th of April to 5th of April the following year. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
Under current tax rules, you can contribute your annual £20,000 allowance to as many Cash ISAs and Investment ISAs as you like per tax year to take advantage of your tax-efficient savings benefits (this does not include Lifetime ISAs and Junior ISAs). These ISAs can be with the same, or different providers.
You can also create as many ISA investment plans within your Wealthify account as you like in one tax year, as long as the combined total contributions you make to these plans does not exceed annual allowance. So, if you have various goals in mind, you can create different ISA pots for each one.
Yes, you can do an ISA transfer from your previous years' Investment ISAs, Innovative Finance ISAs, or Cash ISAs to another investment ISA provider at any time. Transfers don't impact your current year’s ISA allowance at all, so you can still invest this tax year’s full ISA limit as well as transfer existing ISAs over.
However, please ensure to use a transfer form. If you withdraw the money you pay in, you'll lose your tax-efficient benefits on that money. To arrange a transfer, simply create a Wealthify ISA Plan, then complete our simple ISA transfer form. We’ll arrange everything else.
If you’re an existing customer, simply head to your Dashboard and use the ‘transfer in’ button on your home screen. You can then choose whether you want to transfer your money into an existing Plan, or create a new one.
Nothing at all. A Stocks and Shares ISA and an Investment ISA are just different names for tax-free investments.
Yes, you can withdraw funds from your ISA plan at any time, without penalty. Since both our Stocks and Shares ISA and Cash ISA are flexible, you can also withdraw and replace funds within the same tax year without affecting your annual ISA allowance.
For Stocks & Shares ISA, Junior ISA & General Investment Account
We are authorised by the Financial Services Compensation Scheme (FSCS) and investments in these accounts are held by Wealthify itself. This means that in the unlikely event of Wealthify facing insolvency, up to a maximum of £85,000 of your money may be protected under the FSCS.
For Self-Invested Personal Pension customers
Our trusted custodian for pensions, Embark Investment Services Limited, hold your assets separately from Wealthify. This means Embark may offer you up to £85,000 in FSCS protection in the unlikely event they should become insolvent.
All investment customers
The Financial Services Compensation Scheme (FSCS) covers the first £85,000 of your investments. However, it’s essential to understand that the FSCS doesn’t cover you if your investments don't perform as expected (and you get back less than you originally invested). For more information, visit www.fscs.org.uk/.
Along with the FSCS cover outlined above, the companies we work with (and Wealthify itself) are regulated by the Financial Conduct Authority (FCA). All assets in our Stocks & Shares ISAs, Junior ISAs, General Investment Accounts, and Self-Invested Personal Pensions will be held in accordance with the FCA's Client Asset (CASS) rules. This means all parties hold your cash securely and separately from their own. For more information, please read Wealthify's Investment Terms and Conditions.