Stop paying £12 per trade

Switch to the UK's only free ISA and free SIPP that lets you invest commission-free in funds, stocks, ETFs, bonds and more.

Tablet displaying Freetrade's investment platform offering over 500 mutual funds with sector categories and a smartphone showing a portfolio value and stock performance chart.

Regulated and protected

Freetrade is authorised and regulated by the Financial Conduct Authority (FCA) and deposits are covered by the Financial Services Compensation Scheme (FSCS), just like AJ Bell, Hargreaves Lansdown, Interactive Investor, Vanguard, Scottish Windows. Freetrade is part of IG Group, a FTSE 250 listed company.

Get 1% cashback up to £5,000

Transfer or top up an ISA or pension to qualify. Terms apply. Contribute at least £10,000 to qualify. Offer ends 5 April 2026.

Award-winning platform

Freetrade is an award-winning app and web platform, chosen by 1.6m users.

Awards badges for Freetrade showing boring money Consumer Rated Value for Money 2024, Best For Share Traders 2024, Best For Low-cost ISA over £50K 2024, Finder Awards 2025 Provider of the Year, and Investors Chronicle Financial Times 5 Star Winner ISA Provider Freetrade.

When you invest, your capital is at risk. ISA & SIPP rules apply. Other charges may apply

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.

Get started

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.

Fees shouldn't eat into your investments

How Freetrade keeps investing free

Investing should be accessible and transparent. That’s why we don't charge account fees or trading commissions.

Instead, we make money through:

FX fees when trading non-GBP investments
A portion of interest earned on uninvested cash
Optional paid plans offering lower FX fees, higher interest on cash, and more benefits.

Now you can access essential investing products, including self-invested personal pensions, at no extra cost.

Quit paying for nothing

76% of investors don’t know exactly how much they’re losing to fees*.

We keep pricing simple, transparent, and low, so that more of your money stays invested.

_{*Source: YouGov, 2083 investors, August 2025}

Reach your goals faster

Fees don’t just cost you once; they compound over time. Even a 0.5% annual fee can quietly erode your returns year after year.‍

Calculate the real cost of fees over time here

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.

Get
1% cashback
on up to £5,000

Top up or transfer at least £10,000 or more into your ISA and/or SIPP, and get rewarded with up to £10,000 cashback.

Offer ends 5 April 2026.

Get cashback

Capital at risk. ISA and SIPP rules, and terms apply. Cashback is capped at £5,000 per account and at £10,000 per customer.

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

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

Get started

Comparison Disclosure

Comparisons to other providers are based on our understanding of their published costs on their websites as at 1 December 2025, for a portfolio size of £10,000 and trades on shares within a Self-Invested Personal Pension (SIPP) and stocks and shares ISA. They are shown for illustrative purposes only. For confirmation of their up to date charges and product information, you should visit their websites.

Hargreaves Lansdown:
ISA and SIPP platform fees are 0.45% a year on funds up to £250,000, 0.25% between £250,000 and £1 million, 0.10% between £1 million and £2 million, and 0% above £2 million. Charges on shares and ETFs are 0.45% a year, capped at £45 for an ISA and £200 for a SIPP. Dealing fees start at £11.95 per trade and reduce to £8.95 for 10–19 trades in the previous month and £5.95 for 20 or more. FX charges are tiered at 1.00% on the first £5,000, 0.75% on the next £5,000, 0.50% on the next £10,000, and 0.25% above £20,000.

Interactive Investor:
ISA fees follow the Investor Essentials plan at £4.99 a month for portfolios up to £50,000. Above £50,000, customers move to the Investor plan at £11.99 a month. SIPP fees follow the Pension Essentials plan for portfolios up to £50,000, with customers above that threshold moved to the Pension Builder plan at £12.99 a month. FX charges are tiered at 1.25% for £25,000–£49,999.99, 1.00% for £50,000–£99,999.99, 0.50% for £100,000–£599,999.99, and 0.25% above £600,000.

AJ Bell:
‍Charges include a 0.25% annual platform fee on ISA and SIPP holdings, capped at £3.50 a month for an ISA and £10 a month for a SIPP when invested in shares. Dealing fees are £5.00 per trade, reducing to £3.50 if 10 or more trades were placed in the previous month. Fund dealing costs £1.50 per buy or sell order. FX charges on overseas trades are tiered at 0.75% on the first £10,000, 0.50% on £10,001–£20,000, and 0.25% above £20,000.

How much are fees costing you?

76% of investors don’t know exactly how much they’re losing to fees*.

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Get started

*YouGov, 2093 investors, August 2025.

Projection shown is illustrative and should not be relied upon as a prediction of actual returns. Figures shown assume recurring contributions of £500 per month and trades in GBP only (excluding FX fees). When you invest, your capital is at risk. The value of your investments can go down well as up, and you may get back less than you invest. Other charges may apply.

Freetrade does not give investment advice and you are responsible for making your own investment decisions. If you are unsure about what is right for you, you should seek independent advice.

Investments to suit your goals

Join today and start investing in 7,000+ stocks and shares, ETFs, investment trusts, gilts, and funds with our low-cost intuitive platform.

Explore stocks

Choose from over 6,500 stocks and ETFs; from big tech companies to emerging innovators.

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DISCOVER FUNDS

Benefit from instant diversification, expert management, and convenience with 500+ mutual funds from known providers like Vanguard, Legal & General, Blackrock, and more.

Mobile screen showing a financial app interface for buying 1/4% gilt maturing 31/01/25 with £500 entered and 92 units estimated, and a purple button to review order.

calculate gilt returns

Gilts pay out regular, fixed dividends every six months. Backed by the UK government, gilts are considered secure investments.

Ready-made portfolios

Start investing or scale your portfolio with diversified options built by professionals with three carefully curated ready-made portfolios.

Freetrade is authorised and regulated by the Financial Conduct Authority (FCA) and investments are covered by the Financial Services Compensation Scheme (FSCS).

Get started

How it works

Access over 7,000 investment opportunities across global markets.

Invest in seconds

Choose a stock, fund, ETF, or bond and place your order commission-free.

Web

App

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Discover new opportunities

Search by ticker name, explore categories, or browse popular investments - all in one place.

Web

App

Move money with ease

Add funds instantly and withdraw when you need to; securely and hassle-free.

Web

App

Track your performance

See how your investments are doing at a glance, with real-time updates and simple visuals.

Web

App

Get started

Don't let tax eat into your returns

Choose from tax-efficient account options to keep more of your returns.

ISA

Free to open

Individual savings account

No UK tax on growth or dividends. A great way to build wealth tax-free.

Open an ISA

SIPP

Free to open

Self-invested personal pension

Save for retirement with tax relief on contributions. Your money grows tax-free until you withdraw.

Open a SIPP

GIA

Free to open

General investment account

A flexible account if you’ve used your ISA allowance or don’t want a pension.

Open a GIA

Tax treatment depends on personal circumstances and current rules may change.

5 star reviews

Join over 1.6 million users

As seen in

Explore resources

All resources

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Market news

Dive into the latest market news, views, IPOs, and more from the Freetrade team.

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Guides

Easy-to-understand guides that break down key investing concepts, from beginner to advanced, so that you can invest more confidently.

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Tools & calculators

Do you know the impact fees have on your investments? Do you want to know what a gilt will be worth? Find out here.

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Product updates

The latest product updates, improvements, and features, in one place so that you always know what’s new in your app.

Pick the plan that suits you best

Save 17% when you choose an annual subscription.

Basic

£0.00

/Mo.

Get basic

Accounts include

General investment account
Stocks and shares ISA
New
Pension (SIPP)
New

Benefits include

Commission-free investing in Freetrade’s full universe of stocks, ETFs, and investment trusts
FX fee of 0.99% on non-GBP trades
1% AER on up to £1k uninvested cash
Mutual funds and gilts
New

and more...

Standard

£4.99

/Mo.

£59.88 billed annually

Get Standard

Accounts include

General investment account
Stocks and shares ISA
Pension (SIPP)
New

Benefits include

Commission-free investing in Freetrade’s full universe of stocks, ETFs, and investment trusts
FX fee of 0.59% on non-GBP trades
2.5% AER on up to £2k uninvested cash
Mutual funds and gilts
New

and more...

Plus

£9.99

/Mo.

£119.88 billed annually

Get Plus

Accounts include

General investment account
Stocks and shares ISA
Pension (SIPP)

Benefits include

Commission-free investing in Freetrade’s full universe of stocks, ETFs, and investment trusts
FX fee of 0.39% on non-GBP trades
3.5% AER on up to £3k uninvested cash
Mutual funds and gilts
New

and more...

Basic

£0.00

/Mo.

Get basic

Accounts include

General investment account
Stocks and shares ISA
New
Pension (SIPP)
New

Benefits include

Commission-free investing in Freetrade’s full universe of stocks, ETFs, and investment trusts
FX fee of 0.99% on non-GBP trades
1% AER on up to £1k uninvested cash
Mutual funds and gilts
New

and more...

Standard

£5.99

/Mo.

billed monthly

Get Standard

Accounts include

General investment account
Stocks and shares ISA
Pension (SIPP)
New

Benefits include

Commission-free investing in Freetrade’s full universe of stocks, ETFs, and investment trusts
FX fee of 0.59% on non-GBP trades
2.5% AER on up to £2k uninvested cash
Mutual funds and gilts
New

and more...

Plus

£11.99

/Mo.

billed monthly

Get Plus

Accounts include

General investment account
Stocks and shares ISA
Pension (SIPP)

Benefits include

Commission-free investing in Freetrade’s full universe of stocks, ETFs, and investment trusts
FX fee of 0.39% on non-GBP trades
3.5% AER on up to £3k uninvested cash
Mutual funds and gilts
New

and more...

Compare all features

You're just minutes away from commission-free investing

Success!

Something went wrong — please check the form and try again.

By signing up to Freetrade you are agreeing to our Privacy policy.

The value of your investments can go down as well as up and you may get back less than you invest. ISA & SIPP rules and T&Cs apply.

Stop paying £12 per trade

Switch to the UK's only free ISA and free SIPP that lets you invest commission-free in funds, stocks, ETFs, bonds and more.

Regulated and protected

Get 1% cashback up to £5,000

Award-winning platform

Reach your retirement savings goals faster with no fees

Fees shouldn't eat into your investments

Get1% cashbackon up to £5,000

How we compare

How much are fees costing you?

Investments to suit your goals

How it works

Invest in seconds

Discover new opportunities

Move money with ease

Track your performance

Don't let tax eat into your returns

ISA

SIPP

GIA

Join over 1.6 million users

Explore resources

Pick the plan that suits you best

You're just minutes away from commission-free investing

Get
1% cashback
on up to £5,000