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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.
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Freetrade is authorised and regulated by the Financial Conduct Authority (FCA) and investments 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.
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.
Scenario: you have £10,000 invested in a General Investment Account (GIA) and make two trades per month. One trade is a UK stock worth £250, and the other is a US stock worth £250.
Portfolio value
Subscription fee
Cost of UK trade
Commission
Cost of US trade
Commission
Cost of US trade
FX
Total annual cost
£10,000
£0
£0
dealing commission
£0
dealing commission
£29.70
£29.70
£10,000
£45.93
£83.40
dealing commission
£83.40
dealing commission
£29.70
£242.43
£10,000
£71.88
£47.88
dealing commission
£47.88
dealing commission
£22.50
£190.14
£10,000
£32.90
£60.00
dealing commission
£60.00
dealing commission
£22.50
£175.40
Comparison disclosure
Costs are based on those published costs on the other providers’ websites as of 24 March 2026. They are shown for illustrative purposes only. For confirmation of their up-to-date charges and product information, you should visit their websites.
Calculations exclude interest on customer cash and do not include investment growth or tax relief. Annual percentage based charges and monthly fixed account fees are applied after UK and US trading fees and FX fees.
Freetrade: There are no commission charges per trade and no subscription fee on the Basic plan, which gives you access to a Stocks and Shares ISA, Self-Invested Personal Pension (SIPP), and General Investment Account (GIA). FX fees are 0.99% on Basic, reduced to 0.59% on Standard and 0.39% on Plus.
Hargreaves Lansdown: There is a 0.35% charge on the value of shares held in the share dealing account, ISA and SIPP, capped at £12.50/mo for the all three accounts. Fee per trade reduces, depending on the number of trades executed in the previous month, from £6.95 for up to 19 trades to £3.95 for 20 or more trades. The FX rate is tiered by transaction value: 0.99% for the first £10,000, 0.50% for £10,001–£24,999.99, and 0.20% for £25,000 or more. The illustration assumes £6.95 trade per fee and 0.99% FX fee.
Interactive Investor: Subscription fee is based on the Core plan at £5.99/mo, which allows for a maximum portfolio size of £100,000. For portfolios above this, customers are switched to the Plus plan, which costs £14.99/mo. ii platform fees are charged per customer and have been allocated to GIA for modelling. The FX rate varies by plan: 0.75% on Core, 0.75% on the first £50,000 and 0.25% for over £50,000 on the Plus plan, 0.25% on the Premium plan.
AJ Bell: There is a 0.25% charge on the value of shares held in the share dealing account, ISA and SIPP. The fee is capped at £3.50/mo for the GIA and ISA, and £10/mo for the SIPP. The illustration assumes a discounted £3.50 fee per trade which is applied when 10 or more trades were executed in the previous month. The standard fee per trade is £5. The FX rate reduces on a tiered scale, based on transaction value: 0.75% for the first £10,000, 0.50% for £10,001 - £20,000, and 0.25% for anything over £20,000.
Scenario: You have £10,000 in a General Investment Account (GIA) and £40,000 in a Stocks and Shares ISA. You make four trades per month: two UK stock trades worth £250 each and two US stock trades worth £250 each.
Portfolio value
GIA value
ISA value
Subscription fee
GIA
Subscription fee
ISA
Cost of UK trade
Commission
Cost of US trade
Commission
Cost of US trade
FX
Total annual cost
£50,000
£10,000
£40,000
£0
£0
£0
dealing commission
£0
dealing commission
£59.40
£59.40
£50,000
£10,000
£40,000
£45.93
£147.91
£166.80
dealing commission
£166.80
dealing commission
£59.40
£586.84
£50,000
£10,000
£40,000
£71.88
£0
£95.76
dealing commission
£95.76
dealing commission
£45.00
£308.40
£50,000
£10,000
£40,000
£32.90
£42.00
£120.00
dealing commission
£120.00
dealing commission
£45.00
£359.90
Comparison disclosure
Costs are based on those published costs on the other providers’ websites as of 24 March 2026. They are shown for illustrative purposes only. For confirmation of their up-to-date charges and product information, you should visit their websites.
Calculations exclude interest on customer cash and do not include investment growth or tax relief. Annual percentage based charges and monthly fixed account fees are applied after UK and US trading fees and FX fees.
Freetrade: There are no commission charges per trade and no subscription fee on the Basic plan, which gives you access to a Stocks and Shares ISA, Self-Invested Personal Pension (SIPP), and General Investment Account (GIA). FX fees are 0.99% on Basic, reduced to 0.59% on Standard and 0.39% on Plus.
Hargreaves Lansdown: There is a 0.35% charge on the value of shares held in the share dealing account, ISA and SIPP, capped at £12.50/mo for the all three accounts. Fee per trade reduces, depending on the number of trades executed in the previous month, from £6.95 for up to 19 trades to £3.95 for 20 or more trades. The FX rate is tiered by transaction value: 0.99% for the first £10,000, 0.50% for £10,001–£24,999.99, and 0.20% for £25,000 or more. The illustration assumes £6.95 trade per fee and 0.99% FX fee.
Interactive Investor: Subscription fee is based on the Core plan at £5.99/mo, which allows for a maximum portfolio size of £100,000. For portfolios above this, customers are switched to the Plus plan, which costs £14.99/mo. ii platform fees are charged per customer and have been allocated to GIA for modelling. The FX rate varies by plan: 0.75% on Core, 0.75% on the first £50,000 and 0.25% for over £50,000 on the Plus plan, 0.25% on the Premium plan.
AJ Bell: There is a 0.25% charge on the value of shares held in the share dealing account, ISA and SIPP. The fee is capped at £3.50/mo for the GIA and ISA, and £10/mo for the SIPP. The illustration assumes a discounted £3.50 fee per trade which is applied when 10 or more trades were executed in the previous month. The standard fee per trade is £5. The FX rate reduces on a tiered scale, based on transaction value: 0.75% for the first £10,000, 0.50% for £10,001 - £20,000, and 0.25% for anything over £20,000.
Scenario: you have £10,000 in a General Investment Account (GIA), £40,000 in a Stocks and Shares ISA, and £50,000 in a Self-Invested Personal Pension (SIPP). You make six trades per month: three UK stock trades worth £250 each and three US stock trades worth £250 each.
Portfolio value
GIA value
ISA value
SIPP value
Subscription fee
GIA
Subscription fee
ISA
Subscription fee
SIPP
Cost of UK trade
Commission
Cost of US trade
Commission
Cost of US trade
FX
Total annual cost
£100,000
£10,000
£40,000
£50,000
£0
£0
£0
£0
dealing commission
£0
dealing commission
£89.10
£89.10
£100,000
£10,000
£40,000
£50,000
£45.93
£147.91
£150.00
£250.20
dealing commission
£250.20
dealing commission
£89.10
£933.34
£100,000
£10,000
£40,000
£50,000
£179.88
£0
£0
£95.76
dealing commission
£143.64
dealing commission
£67.50
£486.78
£100,000
£10,000
£40,000
£50,000
£32.90
£42.00
£120.00
£180.00
dealing commission
£180.00
dealing commission
£67.50
£622.40
Comparison disclosure
Costs are based on those published costs on the other providers’ websites as of 24 March 2026. They are shown for illustrative purposes only. For confirmation of their up-to-date charges and product information, you should visit their websites.
Calculations exclude interest on customer cash and do not include investment growth or tax relief. Annual percentage based charges and monthly fixed account fees are applied after UK and US trading fees and FX fees.
Freetrade: There are no commission charges per trade and no subscription fee on the Basic plan, which gives you access to a Stocks and Shares ISA, Self-Invested Personal Pension (SIPP), and General Investment Account (GIA). FX fees are 0.99% on Basic, reduced to 0.59% on Standard and 0.39% on Plus.
Hargreaves Lansdown: There is a 0.35% charge on the value of shares held in the share dealing account, ISA and SIPP, capped at £12.50/mo for the all three accounts. Fee per trade reduces, depending on the number of trades executed in the previous month, from £6.95 for up to 19 trades to £3.95 for 20 or more trades. The FX rate is tiered by transaction value: 0.99% for the first £10,000, 0.50% for £10,001–£24,999.99, and 0.20% for £25,000 or more. The illustration assumes £6.95 trade per fee and 0.99% FX fee.
Interactive Investor: Subscription fee is based on the Core plan at £5.99/mo, which allows for a maximum portfolio size of £100,000. For portfolios above this, customers are switched to the Plus plan, which costs £14.99/mo. ii platform fees are charged per customer and have been allocated to GIA for modelling. The FX rate varies by plan: 0.75% on Core, 0.75% on the first £50,000 and 0.25% for over £50,000 on the Plus plan, 0.25% on the Premium plan.
AJ Bell: There is a 0.25% charge on the value of shares held in the share dealing account, ISA and SIPP. The fee is capped at £3.50/mo for the GIA and ISA, and £10/mo for the SIPP. Fee per trade reduces, depending on the number of trades executed in the previous month, from £5.00 for up to 9 trades to £3.50 for 10 or more trades. The FX rate reduces on a tiered scale, based on transaction value: 0.75% for the first £10,000, 0.50% for £10,001 - £20,000, and 0.25% for anything over £20,000.
Scenario: you have £20,000 in a General Investment Account (GIA), £80,000 in a Stocks and Shares ISA, and £150,000 in a Self-Invested Personal Pension (SIPP). You make eight trades per month: four UK stock trades worth £250 each and four US stock trades worth £250 each.
Portfolio value
GIA value
ISA value
SIPP value
Subscription fee
GIA
Subscription fee
ISA
Subscription fee
SIPP
Cost of UK trade
Commission
Cost of US trade
Commission
Cost of US trade
FX
Total annual cost
£250,000
£20,000
£80,000
£150,000
£0
£0
£0
£0
dealing commission
£0
dealing commission
£118.80
£118.80
£250,000
£20,000
£80,000
£150,000
£80.88
£150.00
£150.00
£333.60
dealing commission
£333.60
dealing commission
£118.80
£1,166.88
£250,000
£20,000
£80,000
£150,000
£179.88
£0
£0
£143.64
dealing commission
£191.52
dealing commission
£90.00
£605.04
£250,000
£20,000
£80,000
£150,000
£42.00
£42.00
£120.00
£240.00
dealing commission
£240.00
dealing commission
£90.00
£774.00
Comparison disclosure
Costs are based on those published costs on the other providers’ websites as of 24 March 2026. They are shown for illustrative purposes only. For confirmation of their up-to-date charges and product information, you should visit their websites.
Calculations exclude interest on customer cash and do not include investment growth or tax relief. Annual percentage based charges and monthly fixed account fees are applied after UK and US trading fees and FX fees.
Freetrade: There are no commission charges per trade and no subscription fee on the Basic plan, which gives you access to a Stocks and Shares ISA, Self-Invested Personal Pension (SIPP), and General Investment Account (GIA). FX fees are 0.99% on Basic, reduced to 0.59% on Standard and 0.39% on Plus.
Hargreaves Lansdown: There is a 0.35% charge on the value of shares held in the share dealing account, ISA and SIPP, capped at £12.50/mo for the all three accounts. Fee per trade reduces, depending on the number of trades executed in the previous month, from £6.95 for up to 19 trades to £3.95 for 20 or more trades. The FX rate is tiered by transaction value: 0.99% for the first £10,000, 0.50% for £10,001–£24,999.99, and 0.20% for £25,000 or more. The illustration assumes £6.95 trade per fee and 0.99% FX fee.
Interactive Investor: Subscription fee is based on the Plus plan at £14.99 per month, as the portfolio exceeds £100,000. ii platform fee is per customer and we have allocated to GIA for modelling. The Plus plan includes one free trade credit per month, worth £3.99, which has been applied to UK trading in the GIA account in this calculation. Standard trading fees are £3.99 per trade on Core and Plus plans for UK and US shares and ETFs, reduced to £2.99 on the Premium plan. FX fees vary by plan, with 0.75% on Core, 0.75% on the first £50,000 and 0.25% above £50,000 on Plus, and 0.25% on Premium.
AJ Bell: There is a 0.25% charge on the value of shares held in the share dealing account, ISA and SIPP. The fee is capped at £3.50/mo for the GIA and ISA, and £10/mo for the SIPP. Fee per trade reduces, depending on the number of trades executed in the previous month, from £5.00 for up to 9 trades to £3.50 for 10 or more trades. The FX rate reduces on a tiered scale, based on transaction value: 0.75% for the first £10,000, 0.50% for £10,001 - £20,000, and 0.25% for anything over £20,000.
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
Stocks and shares ISA
New
Junior stocks and shares ISA
New
New
New
Personal pension (SIPP)
New
New
General investment account (GIA)
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?
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CAPITAL AT RISK. SIPP AND ISA RULES AND OTHER CHARGES MAY APPLY.
