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Clear fees with no surprises

We keep our fees simple, so you can stay focused on your goals.

Invest now

Capital at risk.

It's free to join us

We don't charge you to withdraw money either. You pay us a fee to manage your money, which depends on your pot's value and investment style. You can check exactly how much you’re paying at any time in our app.

You'll also get regular investor updates about the markets, year-round access to our insights and access to free financial guidance when you need it.

What you'll pay to invest with us

We want our clients to understand exactly what they're paying for. You'll see three separate charges on your account: 

Our management fee

We'll take this from your account automatically so you won't need to pay it separately. The amount depends on how much you invest – the more you invest with us, the lower your fee.

Investment fund charges

As with all investing, there are set-up and transaction charges for buying and selling stocks or bonds, which are paid for from your investments and reflected in your portfolio's performance.

Market spread

This is the difference between the price to buy and the price to sell assets. To keep this to a minimum, we combine orders and choose ETFs with smaller spreads.

See how we calculate our fees

Breaking down our fees

The investment style you choose affects how we invest and manage your money, as well as what fees you'll pay.

Speak to us about fees

Our team can work out how much you might pay in fees, as well as helping you pick an investment product and style suited to you.

Book a free call

Frequently asked questions

You'll pay your management fees on the first working day of the month, which we'll take from your J.P. Morgan Personal Investing account automatically. You'll also pay fund and market spread costs, which are taken from and reflected in the investments themselves.

You can find a breakdown of all your fees and charges in your dashboard. Learn more about how and when we charge fees.

We calculate your fees at the end of every day. The amount will be a percentage of your portfolio value. Learn more about how we calculate fees.

You can see the fees that have been deducted from your account at any time by accessing the 'portfolio valuation and fees' menu in your pot valuation chart.

You can also see the fees of a specific pot by accessing 'pot valuation and fees' in the pot menu.

All the details about your fees are in your quarterly valuation reports too – go to the 'key figures' page and you'll see these under 'breakdown of costs and charges'.

We never charge you to withdraw your money, but depending on the type of product you have, there are some important details to remember:

You can withdraw money from a Stocks and Shares ISA whenever you need to. But as our ISA isn't 'flexible', this means anything you withdraw will still count as part of your annual ISA allowance – so if you put it back in later in the same tax year, it will count as an additional part of your allowance. 

You can withdraw money from a General Investment Account whenever you need to.

Junior ISAs, Lifetime ISAs and pensions have some restrictions:

There are different types of cash held in your account. If you have a Stocks and Shares ISA, Junior ISA, Lifetime ISA, General Investment Account or Personal Pension, the cash in your pot will earn interest at the current Bank of England rate, minus 0.75%. If you have a cash-only pot, you’ll earn interest at a fixed rate, which is set by us and subject to change.

We don't charge fees for cash pots.

Cash that is in transit – for example, pending withdrawal or transfer – won't earn interest.

As with all investing, your capital is at risk. The value of your portfolio can go down or up and you may get back less than you invest.