Our most popular tax-free investment account
Build a pension that's recommended by Which?
Our low-cost, low-effort, simplified pension
The no-limit general investment account
The ISA for first-time buyers or retirement
Invest for your little one with a Junior ISA
Access greater interest rates for your savings
Find, research, buy and sell global shares
Explore our range of funds
Funds that track indices and benchmarks
See our range of investment trusts
Options for lower-volatility investing
See what's popular with AJ Bell customers
Choose from 24 international markets
Looking for inspiration or just starting out? We can help
Low-cost, hands-off investment funds, managed by our specialists
Our expert-selected shortlist of funds from around the world
Pre-made portfolios for those comfortable managing their money
Understand how to make the most of your tax-free allowance
Move your money over to one of our low-cost, easy-to-manage ISAs
Learn more about how to split your annual allowance
Everything you need to know about saving and investing in ISAs
Understand the different types of ISAs, the benefits and how to start
Our FREE service that tracks down your lost workplace pensions
Streamline your retirement savings with our consolidation service
Transfer your money to the seven-time Which? recommended platform
The classic, balanced fund designed for long-term, stable growth
A library of guides to help you build a pension that works for you
Understand the finer points of opening and managing a SIPP
A wealth of resources to help inform your investment decisions
Master the fundamentals of investing with our collection of guides
Our experts share tips and insight on crafting your ideal portfolio
Demystify the world of financial terminology the easy way
Join our experts as they debate and dissect the latest stories
Our dedicated space to help women feel good, investing
Learn why over 600,000 customers invest their money with us
Never invested before? Our Dodl accounts may be right for you
We're one of the most awarded platforms around. See what we've won
Looking to move to us? We'll do all the heavy lifting for you
Your AJ Bell accounts summary
Check your portfolio details and performance
Search for an investment by name, ticker, or sedol
See your upcoming investments
Set up monthly investments starting at £25 per month
See all income, dividends, and cash payments from your investments
Looking for old pensions? We'll find them for free
Add money to your account with a one-off payment
Set up a direct debit or amend or cancel an existing one
Take money out of your AJ Bell account
Switch cash between your AJ Bell accounts
Review and update your pension details and contributions
See the full history of your account
View and download your cash statements and balance
See any actions or corporate updates on specific investments
View tax summaries, quarterly statements and more
Vote in company AGMs or special events
Our low-cost charges mean more money for you.
We’re committed to transparent and fair charges that offer you excellent value, and are among the lowest in the market.
This is our annual charge for managing your account, which is payable monthly – there’s a different charge for holding shares or funds.
| Holdings | Charge |
|---|---|
| Shares account charge: | 0.25% (max £10 per month) |
| Funds account charge: First £0 - £250,000 | 0.25% |
| Next £250,000 - £500,000 | 0.10% |
| Value over £500,000 | No charge |
This is the charge you pay each time you buy or sell shares or funds.
| Holdings | Charge |
|---|---|
| Shares dealing: | £5.00 |
| Frequent shares dealing charge: (If you had 10 or more share deals in the previous month) | £3.50 |
| Fund dealing: | £1.50 |
Shares – includes ETFs, investment trusts, gilts and bonds
Funds – includes unit trusts, OEICs and structured products
Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.
Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.
We make sure our Junior SIPP fees are among the lowest in the market, so you’ll always get excellent value on your investments.
We make sure our Junior SIPP fees are among the lowest in the market, so you’ll always get excellent value on your investments.
Michelle has a Junior SIPP with us for her son Ryan valued at £4,850. That includes £1,200 invested in shares, £3,600 invested in funds and £50 in cash. Below you can see what account and dealing charges Michelle would pay (you can click between the tabs to see the full charges breakdown).
£4,850
| Calculation | Example charge |
|---|---|
| £1,200 in shares Calculation: 0.0025 x 12,000 / 12 | £0.25 |
| £3,600 in funds Calculation: 0.0025 x 18,000 / 12 | £0.75 |
| £50 in cash | No charge |
£1.00 |
* This is only an example of our charges. Your actual monthly charge will depend on the exact value of your account and investments at the end of each month, which may vary due to market fluctuation and growth.
Dealing charges depend on how many investments you buy and sell. The example below illustrates James’ dealing activity in a given month:
| Deal | Calculation | Charge |
|---|---|---|
| 1 share deal | Calculation: £5.00 x 1 | £5.00 |
| 1 fund deal | Calculation: £1.50 x 1 | £1.50 |
£6.50 |
If you don't buy or sell any investments during the month, you won't pay any dealing charges.
Use our Junior SIPP charges calculator to estimate the charges you’ll pay for investing in a Self-invested personal pension with us.
There are circumstances where investments you choose to make may have some additional charges attached. These are separate from Account and Dealing charges, and will be associated with the specific fund or share that you invest in.
Each fund you invest in will have its own ongoing charges figure (OCF). This is an annual charge paid to manage the fund. It’s taken out over the course of the year for as long as that investment is held. The OCF you pay is calculated based on the amount you hold in that specific fund and is taken directly from the assets you hold in that fund.
You will pay our standard dealing charges to buy international shares. In addition, there is a foreign exchange charge on international shares and foreign currency funds. For full details please visit our international dealing page.
| Dealing by telephone | £25 |
| Regular investment | £1.50 |
| Dividend reinvestment | £1.50 |
| Application for non-standard investments This applies where we’re required to complete a paper application form, e.g. for structured products, private placings and IPOs | £100 |
| UK stamp duty | 0.5% on purchases of UK shares |
| PTM (Panel on Takeover and Mergers) | £1.50 on UK share deals over £10,000 |
| Irish stamp duty | 1% on purchases of Irish shares |
| French financial transactions tax | 0.3% on purchase of certain French shares |
| Italian financial transactions tax | 0.1% on purchase of certain Italian shares |
| Spanish financial transactions tax | 0.2% on purchase of certain Spanish shares |
If you’re looking to move an account to us, we’ll do all the heavy lifting – it’s FREE to transfer in. And if you want to transfer your account to another provider, we won’t charge you any exit fees, either.
We understand that sometimes you might hold cash in your account, whether that’s to cover any account charges or while you decide on where you’re going to invest.
Until you decide what to do with this cash, you have the added benefit of earning interest on it. See our latest cash interest rates, to find out how much you can earn.
Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about Junior SIPP fees.
Your monthly charges depend on the account type and the funds held in it:
No, you don’t. But you do need to keep enough cash in your account to cover your monthly account charges.
If you’re planning on opening an account, you’ll need to make an initial minimum deposit, set up a monthly direct debit, or transfer over an account, so that your account is funded.
When you buy an investment, there needs to be enough cash in your account to cover the investment and the…
The dealing charge for shares is based on the number of deals you placed in the previous calendar month. This is calculated across the accounts in your individual name (excluding any regular investment and dividend reinvestment deals).
For example, if you make 10 or more online shares deals in January, then the frequent dealer charge of £3.50 will apply for February.
Our customer support team are here to help when you need it. Here’s how to get in touch.
We’ve been helping our customers put their money to work for over 30 years. And with over 673,000 customers, that’s a lot of people taking control of their financial futures.
We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re a Which? Recommended provider seven years running, 2019-2025.
So, when you're ready to feel good, investing, we're here to help.
