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Fidelity ISA Review

Fidelity ISA Review

Is "Fidelity" The Best Place For Your ISA?

Fidelity offer a wide variety of different kinds of funds for your ISA, helping you make the most of your tax-free allowance. We’ve looked at various different aspects of the provider to help you decide if it is right for you. 

Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,000+ Funds
  • Invest From: £50pm

Why we like it: Invest from as little as £50 a month or with a £1,000 lump sum. Investment choice from over 100 fund providers, giving you access to 2,000+ funds. One low-cost service fee of 0.35%*. Great service – from investment guidance on website through to UK-based phones team. PathFinder, Select 50, Investment Finder - investing tools for beginners to advanced investors. 24/7 access via online Account Management system.

* depending on how much you have invested

Special offer:

Invest and get £25 cashback » 

Build your savings with an ISA and receive £25. Exclusions, T&Cs apply.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Fidelity ETFs

from Fidelity

Allows ISA Transfers
  • Fund Choice: Fidelity offer Over 140 providers with over 4,000 investment options
  • Invest From: £50pm

Why we like it: Pay £10 for buying or selling an ETF online and £1.50 for buys as part of a regular savings plan and for dividend re-investments. Fidelity's standard service fee of just 0.35% applies when you have over £7,500 invested or if you have a regular savings plan. This is capped at £45 for ETFs, and ETFs held in an Investment Account do not incur a service fee.

Special offer:

Invest and get £25 cashback » 

Build your savings with an ISA, SIPP or Investment Account and receive £25. Exclusions,  T&Cs apply.

Important information - please keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Junior ISAs

Junior Stocks & Shares ISA

from Fidelity

Regular Savings
  • Investment Options: Fidelity offer Over 140 providers with over 4,000 investment options

Why we like it: You can tell Fidelity your risk preferences and they will suggest funds for you to consider for your child. You can also use their "Select 50" list of Fidelity's favourite funds. Alternatively If you want to look at all investment options you can use their poweful search tool. Fidelity have a low cost service fee that starts from 0.35% pa.

Special offer:

Invest and get £25 cashback » 

Build your child's savings with a junior ISA and receive £25. Exclusions, T&Cs apply.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Charges

  • Comprehensive fee banding 
  • A fee of 0.35% if you invest £7,500 or less 
  • For accounts holding between £7,500 and £250,000 the fee is 0.35% 
  • For accounts holding more than £25,000 but less than £1 million, the fee is 0.20%
  • On account of £1 million or over will pay a maximum of £2000 per year
  • You can open an account from £50 
  • There is no current service fee on cash within an account

Fund Choice

Fidelity boasts a wide variety and a long list of possible. These include:

  • Over 3,000 funds available to choose from
  • UK based shares 
  • Both investment trusts and exchange-traded funds 
  • Expert sources to support your investment solutions

Customer service

The customer service features of Fidelity as a platform include:

  • Online inquiries
  • Telephone support 
  • A bricks-and-mortar Investor Centre in Central London

Research & tools available

Fidelity's website has lots of helpful resources to support prospective investors, including: 

  • Their website is full of lots of helpful information, including a "Guidance and tools" section.
  • This includes guidance about investing in general, as well as how to choose an account
  • "Invest for Life" video resources

Is "Fidelity" The Best Place For Your Child's Junior ISA?

For this tax year (2020/2021) you can invest up to £9,000 in a tax-free wrapper for your child’s future in a Junior ISA.

If you’re looking to set up a JISA (Junior ISA) at Fidelity, then you need to know what costs, choice, customer service and research tools you can expect to get by going with this provider.

Charges

The charges associated with a JISA at Fidelity are:

  • A fee for exchange traded investments, there is a cap on the fee of £45 
  • On investments less than £7,500, the fee is 0.35% 
  • On investments of £7,500 - £250,000 is 0.35% 
  • On investments between £250,000 - £1 million is 0.20% 
  • On investments more than £1 million is 0.20%, capped at £2,000 per year.
  • Some funds may have specific charges like bid-offer spread, performance fees or fund manager fees

Fund Choice

In terms of fund choices, much like the standard ISA, you can choose from:

  • Over 3000 funds, so you have plenty of options
  • Many UK options 
  • Investment trusts
  • Exchange-traded funds (ETFs)

Customer service

The customer service for JISAs is the same as the customer service provided for general ISAs. They also provide FAQs specifically tailored to the JISA product, so you can look there for information. This also includes Investment ideas, which can be helpful for a first-time investor.

Research & tools available

Fidelity has a page on their website specifically dedicated to JISA accounts, which contains lots of information you may want to look at before opening a JISA with this provider. This includes:

  • Their charges
  • Investment options
  • Contact information
  • FAQs
Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

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18th September 2020

A Peer to Peer ISA sounds complicated – but to the experienced and keen investor, it can be a great way to diversify your portfolio, try a new, innovative form of investing, while benefiting from the tax benefits associated with an ISA account. But what exactly is a Peer to Peer ISA, and which ones should you be looking at? 

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4.74 Average

23 Reviews

Jen

I found the way the different options are presented very clear - much more useful than some other comparison sites. I sent it to my daughter as well.

Paul

Very informative, find myself a good ISA account with best return in terms of interest.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Rob Holden

The website was very useful and informative.

Andrew Johnson

ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs

Crowd2Fund

Excellent website - clear and helpful information about different products - and a trustworthy partner.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Steve

Really simple to use and all the information was clear with lots of products available. The interest calculator was really handy too. Have bookmarked and will definitely use again.

Hannah Gordon

This was a really user-friendly site, and was very helpful when it came to comparing accounts and choosing my 2016 ISA.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Anonymous

If you wish to invest in an ISA this site has it all. A super comprehensive range of simply explained products from all the major companies.

Cristina Iacob

Very knowledgeble company with an extensive range of services, a great website with loads of useful information.

Anonymous

Nice graphics and easy to navigate

Dr Alan Rogan BSc PhD FCIOB FCABE Eur Ing

Good advice and professional approach

Razvan

Very helpful for getting my annual ISA

Jonny Doulton

Clear, concise and very professional outfit with an excellent choice of market leading deals.

Paul Tissington

ISA.co.uk not only helped narrow down my choices for a Junior ISA but also provided additional practical information that helped demystify the whole process.

Sunil Karadia

Just the site I needed, I have been looking for a suitable ISA for a while, but as there are so many to choose from, find it difficult to find the right one for me.

James Weatheritt

I found the information on ISA.co.uk very helpful and easy to understand. The site is easy to navigate and find what you're looking for.

Lisa Holden

I found ISA.co.uk very insightful and easy to navigate through. The content was useful and helped me make my ISA decision.

Neta Pourhosseini

I thought the information provided was easy to understand and very informative, I would recommend to friends for deffinite.