Freetrade

4.4

#3 of 18 Junior Stocks & Shares ISAs #3 of 47 Stocks & Shares ISAs #3 of 30 SIPPs

Website Fees Review OffersOffers

Overview

Freetrade is a UK-based commission-free investment app and stockbroker offering access to UK and US stocks, ETFs, and investment trusts through ISA, SIPP, and general investment accounts. The platform is known for its simple, beginner-friendly interface, fractional shares capability, and focus on long-term investing. Available on iOS and Android, Freetrade emphasises sustainable investing and financial education through its in-app resources.

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Fi Score This is a subjective score awarded by Financial Interest based on the account or platform's offering.

Stocks & Shares ISA

4.3

SIPP

4.4

Junior Stocks & Shares ISA

4.4

Junior SIPPThis broker does not offer Junior SIPP or we have not added it to our dataset yet.

N/A

Lifetime Stocks & Shares ISAThis broker does not offer Lifetime Stocks & Shares ISA or we have not added it to our dataset yet.

N/A

Lifetime Cash ISAThis broker does not offer Lifetime Cash ISA or we have not added it to our dataset yet.

N/A

Cash ISAThis broker does not offer Cash ISA or we have not added it to our dataset yet.

N/A

Freetrade Offers

Free share worth £10-£100 with Freetrade

Claim a free share worth between £10-£100 when joining Freetrade. Minimum deposit £50. Terms apply. Affiliate link.

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Free share worth £10-£100 with Freetrade

Claim a free share worth between £10-£100 when joining Freetrade. Minimum deposit £50. Terms apply. Affiliate link.

Get offer now _{Capital at risk when investing}

Freetrade Fees & Review

Stocks & Shares ISA
SIPP
Junior Stocks & Shares ISA

Stocks & Shares ISA

Fi Score rankingWhere this ISA ranks compared to other ISAs based on Fi Score 3

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £0

ISA fee notes ^{You can now use a Stocks and Shares ISA with Freetrade's free Basic plan. You also get access to the full range of commission-free stocks, ETFs, mutual funds and gilts. However, if you want to access a lower FX fee or higher interest on cash, you'll need Freetrade's Standard plan (£59.88/year or £5.99/month) or Plus (£119.88/year or £9.99/month). The FX fee on the Basic plan is 0.99%, but it's 0.59% on Standard or 0.39% on Plus.}

Minimum account chargeThe minimum amount you need to pay for this Stocks & Shares ISA, excluding account fee reductions or discounts. £0

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). 0.99%

In-specie transfersDoes the broker support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. £0

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £143.88 per year

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA, excluding trading volume discounts. £0

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. N/A

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. £0

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £143.88

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA, excluding trading volume discounts. £0

Fund regular investing feeThe amount you'll pay to invest in mutual funds when using an ongoing regular investment. N/A

^Shares

Share trading feeThe amount you'll pay to invest in company shares, excluding trading volume discounts. £0

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The Freetrade Stocks & Shares ISA allows investors to choose their own investments in individual shares, ETFs, mutual funds, commodities, and money market funds, offering fractional shares – meaning you don't have to buy whole units, making it more affordable to invest. You're also able to select pre-built portfolios.

As this is a flexible ISA, you can withdraw and redeposit in the same tax year without affecting your annual ISA limit.

Uninvested cash held within the account can earn 1.00% (AER) interest, though should not be used as an alternative to a bank because it is an investment product.

In-specie transfers are supported, meaning you can transfer your portfolio from another investment platform – or to another platform – as long as the same assets are available on both.

Freetrade ranks joint-1st by Fi Fee for small investors (£10,000 portfolios), and holds the same ranking for large portfolios (balances of £500,000) too. To invest, you only need a minimum lump sum deposit of £1. They charge 0.99% as an FX fee for investments in foreign currencies.

You can now use a Stocks and Shares ISA with Freetrade's free Basic plan. You also get access to the full range of commission-free stocks, ETFs, mutual funds and gilts. However, if you want to access a lower FX fee or higher interest on cash, you'll need Freetrade's Standard plan (£59.88/year or £5.99/month) or Plus (£119.88/year or £9.99/month). The FX fee on the Basic plan is 0.99%, but it's 0.59% on Standard or 0.39% on Plus.

SIPP

Fi Score rankingWhere this SIPP ranks compared to other personal pensions based on Fi Score T3

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £0

SIPP fee notes ^{You can now use a SIPP with Freetrade's free Basic plan. You also get access to the full range of commission-free stocks, ETFs, mutual funds and gilts. However, if you want to access a lower FX fee or higher interest on cash, you'll need Freetrade's Standard plan (£59.88/year or £5.99/month) or Plus (£119.88/year or £9.99/month). The FX fee on the Basic plan is 0.99%, but it's 0.59% on Standard or 0.39% on Plus.}

Minimum account chargeThe minimum amount you need to pay for this SIPP, excluding account fee reductions or discounts. £0

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). 0.99%

In-specie transfersDoes this SIPP support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. £0

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £0

ETF trading feeThe amount you'll pay to invest in an ETF in this SIPP, excluding trading volume discounts. £0

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. N/A

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. £0

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £143.88

Fund trading feeThe amount you'll pay to invest in a mutual fund in this SIPP, excluding trading volume discounts. £0

^Shares

Share trading feeThe amount you'll pay to invest in company shares in this SIPP, excluding trading volume discounts. £0

^{SIPP features}

Employer contributionsDoes this SIPP allow contributions from your employer? No

Director depositsDoes this SIPP allow company directors to deposit company funds? No

DrawdownDoes this SIPP support drawdown? No

Freetrade's SIPP provides access to invest with your own investment decisions and ready-made portfolios. You can invest into company shares, ETFs, mutual funds, commodities, and MMFs (money market funds).

Investors can transfer their investments in-specie, meaning their portfolio can be moved to or from another platform without being converted to cash first.

Fractional shares are supported, meaning it's possible to invest every penny you deposit. You aren't required to buy whole units of each investment.

When it comes to a pension offering, this SIPP doesn't include the features the average person tends to be looking for: drawdown isn't supported, limited company directors can't deposit via their business, and employers can't deposit into their employee's SIPP either.

Freetrade's SIPP ranks joint-1st by Fi Fee for small investors, and holds the same ranking for bigger investors too. They charge 0.99% as an FX fee for investments in foreign currencies.

You can now use a SIPP with Freetrade's free Basic plan. You also get access to the full range of commission-free stocks, ETFs, mutual funds and gilts. However, if you want to access a lower FX fee or higher interest on cash, you'll need Freetrade's Standard plan (£59.88/year or £5.99/month) or Plus (£119.88/year or £9.99/month). The FX fee on the Basic plan is 0.99%, but it's 0.59% on Standard or 0.39% on Plus.

Junior Stocks & Shares ISA

Fi Score rankingWhere does this account rank compared to other Junior Stocks & Shares ISAs on Financial Interest? 3

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £0

Junior ISA fee notes ^{Freetrade's JISA only allows the registered user/contact to contribute. This means if grandparents or other relatives/friends want to contribute, they need to send the money to the registered contact who deposits into the JISA on their behalf.}

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA. £0

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA. £0

Share trading feeThe amount you'll pay to invest in company shares. £0

Junior ISA account feesThe account fees you'll pay when investing inside a Junior ISA. £0

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