ii fees & charges

We believe in fair and transparent charges that bring you great value for money. Find out how our low, flat fees can help you keep more of what you make.

Monthly plan fees

Trading fees

Other charges

Important information: As investment values can go down as well as up, you may not get back all of the money you invest. Currency changes affect international investments, and this can decrease their value in sterling. If you’re unsure if an investment account is right for you, please speak to an authorised financial adviser. Tax treatment depends on your individual circumstances and may be subject to change in the future.

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Discover flat-fee investing

How much you’re charged to invest can have a huge impact on your long-term wealth. Most other providers charge a percentage of your investments. That means the more you make, the more they take.

ii is different. We charge a low, flat fee for our investment accounts and services. Our simple and transparent charges could save you thousands of pounds - and help you to reach your financial goals sooner.

Our price plans differ based on the accounts you open and the total value you hold. All plans have a clear, flat monthly fee and low trading charges as standard.

Flat monthly fees

Your monthly fee covers your access to the ii investment platform and services. The price plans available to you depend on:

  • the account(s) you open 
  • the total value you hold

When you open your account, you'll automatically start on one of our Essentials price plans. If the total value of your accounts rises above the plan's limit, we'll upgrade your plan as needed. We may also switch your plan if you open additional accounts.


Use these tables to check what your monthly fee would be and which plan you'd be on.

ISA and/or Trading Account

Invest up toMonthly feePlan
£50,000£4.99Investor Essentials
No limit£11.99Investor

SIPP

Invest up toMonthly feePlan
£50,000£5.99Pension Essentials
No limit£12.99Pension Builder

ISA + Trading Account + SIPP

Invest up toMonthly feePlan
£75,000£9.99Investor Essentials + SIPP
No limit£21.99Investor + SIPP

Trading Accounts, ISAs, Junior ISAs and SIPPs held in the same name can be linked together under one monthly fee. For all other account types, including Joint Accounts and Pension Trading Accounts, a separate monthly fee will be charged. Pension Essentials and Investor Essentials + SIPP monthly fees include a SIPP admin fee of £5 inc. VAT. Pension Builder and Investor + SIPP monthly fees include a SIPP admin fee of £10 inc. VAT. The remaining amounts cover our platform services, including holding funds as nominee and disaggregating income from holdings.

What's included in your plan?

Now you know what you’ll pay to invest with ii, you can find out the benefits and features included in your plan.

Plan

What's included

Investor Essentials
ISA, Trading Account

Investor Essentials + SIPP
ISA, Trading Account and SIPP

Pension Essentials
SIPP only

  • One of the widest ranges of UK and International investments on the market
  • Account access through our secure website or mobile app
  • Full access to research and decision-making tools
  • Award-winning, UK-based phone team
  • Free regular monthly investments
  • Multi-currency account to help you save on FX costs (not available for ISAs)
  • Full platform service

You'll need to pay your monthly fee by Direct Debit and must be set up to receive your documents electronically.

See Investor Essentials terms

Pension Builder
SIPP only

  • Everything on Essentials
  • No upper limit on the total amount you can hold 

Investor
ISA, Trading Account

Investor + SIPP
ISA, Trading Account and SIPP

  • Everything on Essentials
  • No upper limit to the total amount you can hold
  • As many Junior ISAs as you have children
  • 1 free trade per month
  • 2 family members can join for free. See Friends and Family for more details.

On Investor and Investor + SIPP, you must have an ISA or a Trading Account before you can add Junior ISAs. On Investor and Investor + SIPP, in return for your monthly fee, you’ll get monthly trading credit worth £3.99. You can use this credit towards trading fees in any of the accounts your plan covers. Your trading credit will expire after 31 days.

Trading fees

When you buy or sell an investment, you’ll pay a one-off trading fee. This cost is separate to your monthly fee.

You’ll be able to minimise your trading fees with our free regular investing service.

Other charges, including foreign exchange (FX) fees, may apply. For UK and US trades over £100,000, and other international share trades over £25,000, please see our other trading fees.

Trading fee breakdown

Investment typeOnline trading fee
UK & US shares, funds, ETFs, bonds and gilts£3.99
Other international shares£9.99 / £5.99 (Super Investor)
Dividend reinvestment£0.99
Regular monthly investingFree

Other charges

Buy or sell UK shares, funds (unit trusts and OEICs), bonds, gilts and exchange traded products. Trade value £100,000 or more.£40
Buy or sell US shares. Trade value £100,000 or more.0.04% of trade value
Buy or sell other international shares. Trade value £25,000 or more.0.10% of trade value
Extended settlement (buy orders greater than T+2).£5
Telephone trades£49

International trading fees are charged in the customer’s settlement currency and multiplied by the conversion rate (if applicable) subject to the minimum and maximum charges shown. If an order is filled over multiple days, there is a separate commission charge for each day on which there is a fill. Extended settlement and telephone trade fees are charged in addition to the relevant online commission rate. Please note trading credit cannot be used towards either of these fees.

The exchange rate for currency conversion is based on the bid/offer exchange rate to which we apply a charge of up to +/- 1.50% at the time of execution. Find out more about our multi-currency service.

Value convertedFX charge
£0 - £24,999.991.5%
£25,000 - £49,999.991.25%
£50,000 - £99,999.991.00%
£100,000 - £599,999.990.50%
£600,000 or more0.25%
Next day GBP and EUR withdrawalsNo charge
Same day GBP and EUR withdrawals£15
Other currency withdrawals£15

Note: same day payments must be requested before 2pm.

Share certificate withdrawal£35 + VAT - Per certificate, to convert online shares to a paper certificate in your own name (only available for CREST securities)
Failed payments or late settlement£25 - Failed payments includes unpaid Direct Debits, and rejected Debit Card payments. Late settlement charge can be charged at foreign currency equivalent plus 15% above Bank of England Base rate charged on the debt
Paper documents£3 + VAT - Per document for sending Consolidated Tax Certificates and statements and duplicate copies, including contract notes
Contract notes sent by post£1.50 + VAT - Per document if your document delivery preference is by post. Does not apply to telephone trades
VCTs processing charge£30 - Per application
Non UK resident£4 a month - We make an additional charge to cover operational costs if you're not a UK resident
Non-personal accounts
Supplemental administration charge
£30 a month - We make an additional charge to cover operational costs in maintaining services for Company Accounts and Trust Accounts
Quotestream£20 + VAT per month in addition to your service plan fee.
UK Stamp Duty0.50% - UK equity buys
Irish Stamp Duty1.00% - Irish equity buys
PTM Levy£1 - Flat-rate charge on UK equity buys and sells greater than £10,000
ITP LevyEUR 1.25 - Flat-rate charge on Irish equity buys and sells greater than €12,500
Hong Kong transactional Levy0.0027% - Equity and company warrant buys and sells
Hong Kong trading fee0.005% - Equity and company warrant buys and sells
Hong Kong Stamp Duty0.10% (rounded up to the nearest HKD) - Equity and company warrant buys and sells
Singapore Clearing Fee0.0325% - Applied to all buys and sells
French financial transaction tax0.30% - For buys of eligible French stocks
Italian financial transaction tax0.10% - For buys of eligible Italian stocks
Spanish financial transaction tax0.20% - For buys of eligible Spanish stocks

Please note, tax treatment subject to change.

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Are you a Super Investor?

If you’re an active investor, it can pay to upgrade to our Super Investor plan. 

Super Investor costs £19.99 a month and you’ll get everything on our Investor plan, plus a range of enhanced benefits:

  • 4 free trades per month*
  • 5 family members can join for free. See Friends and Family for more details.
  • Lower international trading fee of £5.99

If you have a SIPP and want to enjoy all the Super Investor benefits, you can upgrade to our Super Investor + SIPP plan for £29.99 a month.

 

*On Super Investor, you’ll get monthly trading credit of £15.96. You can use this credit towards trading fees in any of the accounts your plan covers. It is available for 31 days.

How your monthly fee works

how investing with ii works smartphone app

How your monthly fee works

You’ll be automatically added to a plan based on the account(s) you open and your account(s) value.



For example, let’s say you open a SIPP only and then transfer a total of £45,000. You’ll be on our Pension Essentials plan and start paying a monthly fee of £5.99.



Remember, your monthly fee only covers your access to the ii investment platform and services. It doesn’t cover other costs like trading fees and foreign exchange charges.

The easiest way to pay your monthly fee is by Direct Debit.

You can set this up in minutes by logging in online after you’ve opened your account.

Find out how to set up your Direct Debit in our help centre.

You can change your plan easily through your online account. The plans that you can change or upgrade to will depend on:

  • The account(s) you hold
  • The total value of your account(s)

If you open an additional account, we’ll let you know if your plan changes.



When your plan changes, your monthly fee will change, too. If you change plan within 14 days of the next collection date (on or around 10th of the month), your current plan fee will be collected as usual on that date, and your new plan will come into effect the following month. You must pay for your new plan for a minimum of one month before moving onto a lower priced plan.

Woman looking at mobile device currencies

Interest on your cash

We’ll pay interest on the cash you hold in GBP, EUR or USD in your investment account.

Visit our interest rates page to find our current rates.

Fees & charges FAQs

No, we don’t charge any fees for transfers in or out. This includes ‘in specie’ (full) transfers, where you keep the same investments as your old account.

But, be sure to check for any transfer fees with your existing or new provider.

No, unlike some other providers, we’ll never take a percentage of your wealth. You’ll only pay your flat, monthly fee for access to our platform and services.

We’ll collect your monthly fee on or around the 10th of the month.

If your plan changes, your new monthly fee will usually apply from the next collection date. But if
your plan changes within 14 days of the next collection date, your new fee will apply from the
following collection date instead.

Find out more about how we collect your charges

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Start investing today

Open your ii account today and keep more of what you make with our low flat fees.