Stocks and Shares ISA
Charges
Annual account charges
Your annual charge depends on whether you hold funds or shares in your ISA. There are no charges for opening an account, holding cash or inactivity.
Funds
| Value of funds | Charge |
|---|---|
| On the first £250,000 | 0.45% |
| On the value between £250,000 -£1m | 0.25% |
| On the value between £1m - £2m | 0.1% |
| On the value over £2m | No charge |
Shares
Including UK and overseas shares, investment trusts, exchange-traded funds, VCTs, gilts and bonds.
Important note about charges
The investments you choose may have their own charges, such as charges from a particular fund manager. These are in addition to our account charges. You can find these in each investment’s key investor information document. A bid/offer spread may also apply - see our Guide to Fund Prices (PDF) for details.
Example of account charges
If you invest £15,000 in funds and £5,000 in shares, your account charge would be £7.50 per month*.
Annual charge (0.45%)
Annual charge (0.45%)
Annual charge (0.45%)
*The monthly charge will depend on the exact value of your account each month. To keep things simple here, we didn't include any investment growth.
Dealing charges
Fund dealing
There's no dealing charge for buying or selling funds.
Online and mobile app share dealing
Including UK and overseas shares*, investment trusts, exchange-traded funds, gilts and bonds.
| Number of deals in previous month | Charge per deal |
|---|---|
| 0 - 9 | £11.95 |
| 10 - 19 | £8.95 |
| 20+ | £5.95 |
*There’s an added foreign exchange charge for overseas share deals, depending on deal size. See our overseas share dealing page for details.
Automatic reinvestment
If you’d like any share income automatically reinvested, we’ll reinvest your income when it reaches £10 per holding or the amount you choose. There’s no charge for this.
How to pay charges
There’s no need to remember to make any payments. Each month we’ll automatically take charges from cash in your account.
If there’s not enough cash in your account, we’ll sell some of your investments to cover charges. There is no additional charge for this.
How much cash you need to keep available in your account depends on your investments. We’ll suggest a minimum cash amount for you, which you’ll be able to see in your account when you log in.
Other charges
Other charges may apply in specific circumstances - see the terms and conditions (PDF) for details.
Charges FAQs
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Awards
BEST BUY ISA
Boring Money Awards 2023
BEST ONLINE STOCKBROKER
The Personal Finance Awards 2022/2023
INVESTING & PENSIONS GOLD AWARD
Times Money Mentor 2022
Help and support
If you have any questions about the HL Stocks and Shares ISA, you can speak to one of our client support experts by calling 0117 900 9000.