Get all the investing essentials for free
As of 22 January 2026, every Freetrade plan includes
- Personal pension (SIPP) and ISA
- Mutual funds and Gilts
- Ready-made portfolios
- Unlimited commission-free trades
and more…
Invest for less
All your investments. Now on our free plan.
As of 22 January 2026, SIPPs, ISAs, mutual funds, gilts, and ready-made portfolios are all included in your Basic plan at no extra cost.
Freetrade set out to democratise investing, making it accessible to everyone. Investing technology evolution makes that possible. Maybe it’s time to ask why some brokers still charge £12 commission for every trade?
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WHEN YOU INVEST, YOUR CAPITAL IS AT RISK. THE VALUE OF YOUR INVESTMENTS CAN GO DOWN AS WELL AS UP AND YOU MAY GET BACK LESS THAN YOU INVEST. ISA AND SIPP RULES APPLY. OTHER CHARGES MAY APPLY.
Our customer reviews
Freetrade is authorised and regulated by the Financial Conduct Authority (FCA) and deposits are covered by the Financial Services Compensation Scheme (FSCS).
Fees shouldn't eat into your investments
No catch
There is no commission to buy or sell.
There is no ongoing account fee.
Freetrade makes money in three transparent ways. We charge fees when you buy and sell stocks in foreign currencies. We keep some of the interest earned on uninvested cash. And, some customers pay for a subscription to get lower FX rates and higher interest rates.
Learn more about how we make money here.
Learn more about how we make money here.
Access matters
Investing has come a long way in the last few decades and that means it's cheaper than ever for brokers to offer customers a great service at a low cost.
Fewer barriers
More choice, less complexity. Expanding the features included on the Basic Plan helps more investors get started with confidence.
Our mission
We set out to democratise investing, making it accessible to everyone. This is another step towards giving more people the tools to grow their wealth.
Reach your retirement savings goals faster with no fees
Build your retirement pot now without account fees and benefit from tax relief.
Bring old and existing pensions together in one place and invest for the long term with confidence.
Other charges may apply. Tax treatment depends on your personal circumstances and current rules and may change.
Example chart Assumes £5,000 invested each year. 50:50 investment split between ISA and Personal Pension (SIPP). Personal Pension includes 20% tax relief. Investment growth assumed at 7% per year. Returns are illustrative only and not guaranteed. Capital at risk. ISA and SIPP rules apply. The value of your investment can go down as well as up.
Example chart Assumes £5,000 invested each year. 50:50 investment split between ISA and Personal Pension (SIPP). Personal Pension includes 20% tax relief. Investment growth assumed at 7% per year. Returns are illustrative only and not guaranteed. Capital at risk. ISA and SIPP rules apply. The value of your investment can go down as well as up.
Get up to £5,000 cashback
Top up or transfer £10,000 or more into your ISA and/or SIPP, and get rewarded with up to £10,000 cashback.
Offer ends 5 April 2026.
Capital at risk. ISA and SIPP rules, and terms apply. Cashback is capped at £5,000 per account and at £10,000 per customer.
Let experts do the heavy lifting
Benefit from instant diversification, expert management, and convenience with 500+ mutual funds from known providers like Vanguard, Legal & General, Blackrock, and more.
Put fixed income to work
Gilts pay out regular, fixed dividends every six months.
Backed by the UK government, gilts are considered secure investments. To date, the British government has never failed to make interest or principal payments on gilts.
Check out our gilts calculator.
Make your first step an easy one
Start investing or scale your portfolio with diversified options built by professionals with three carefully curated ready-made portfolios.
How we compare
See how we stack up against the competition. Compare our plans to different portfolio sizes to ensure you’re making the best choice for your needs.
Pension (SIPP)
ISA
Share trades
FX Rate
Mutual funds
£0
£0
£0
PER TRADE
0.99%
+ EXCHANGE RATE
£0
0.45%
SIPP ACCOUNT
0.45%
ISA ACCOUNT
£11.95
PER TRADE
1.00%
+ EXCHANGE RATE
0.45%
HOLDING CHARGE
£5.99/mo
PENSION ESSENTIALS PLAN
£4.99/mo
Investor ESSENTIALS plan
£3.99
PER TRADE
1.50%
+ EXCHANGE RATE
£3.99
PER TRADE
0.25%
SIPP ACCOUNT
0.25%
ISA ACCOUNT
£5
PER TRADE
0.75%
+ EXCHANGE RATE
£1.50
PER TRADE
All YOUR investments in one place
Join today and start investing in over 6,500+ stocks and shares, ETFs, investment trusts, and funds with our low-cost intuitive platform.
Unlike other providers, it’s free to buy and sell stocks and funds, and there is no funds holding fee. Other charges may apply.
Build, track, and manage your portfolio from web or app with our simple and intuitive investing platform.
Invest tax efficiently with a free ISA and a free self-invested personal pension (SIPP).
Compare all plan features
Accounts
General investment account (GIA)
Stocks and shares ISA
New
Personal pension (SIPP)
New
New
Benefits
Commission-free trades
Other charges may apply
Unlimited
Unlimited
Unlimited
FX Fee on non-GBP trades
0.99%
0.59%
0.39%
Interest on uninvested cash
1% on up to £1,000
2.5% on up to £2,000
3.5% on up to £3,000
Customer service
Standard
Standard
Priority
Enhanced stock fundamentals
Free same-day withdrawals
Access to Freetrade’s full universe of stocks, ETFs, and investment trusts
6,500+
New
6,500+
6,500+
US fractional shares
Early access to new beta features
Automated order types, including recurring orders, limit orders, and stop losses
Extended hours trading
Access to mobile app and web platform
Before transferring you should check you will not lose valuable guarantees and that you understand any transfer charges that your existing provider may apply.
Frequently asked questions
What’s changing?
I’m on Standard or Plus. Can I switch to Basic?
When do the changes happen?
Why are these updates happening?
I am on an annual plan. What does this mean for me?
I have a Freetrade SIPP. What happens if I move to the Basic plan?
Will my subscription price change?
Do I need to do anything before the updates go live?
Can I open or transfer a SIPP before 22 January?
I just transferred in as part of a cashback offer that required an annual subscription. Can I cancel this annual subscription now?
Who can I contact if I have more questions?
Join thousands of investors
CAPITAL AT RISK. SIPP AND ISA RULES AND OTHER CHARGES MAY APPLY.
