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Compare ​Fidelity ISAs

Compare ISAs from ​Fidelity and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Moneybuilder Income

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Popular corporate bond fund that pays a monthly income. Manager Sajid Vaid believes investment grade (high quality) company bonds may be the ‘sweet spot’ in the fixed income market, delivering modest income while keeping risks in check. Capital at risk.
  • Invest From: £25 pm

MSCI World Tracker

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks MSCI World Index. Low cost tracker fund that invests in global companies such as Disney, Google & Coco-Cola. Capital at risk.
  • Invest From: £25 pm

China Special Situations PLC

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: This investment trust seeks to achieve long-term capital growth through investing in companies listed in China and Chinese companies listed elsewhere. The Company may also invest in listed companies with significant interests in China. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISAs

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds. Special offer: Open an ISA with £1,000 or more before Sunday and be in with a chance to win £100 of free trades. New customers only. Terms apply. Capital at risk.
  • Invest From: £25 pm
See Deal Special offer: Transfer an ISA worth £10,000 or more before 30 June and get £100 cashback. New customers only. Terms apply. Capital at risk.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100
See Deal Zero Platform Fees - Until the end of the 2022/23 tax year if you open your ISA by 30 April 2022. 0.25% max when promo ends.

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500
See Deal Up to £400 for all new users that create an account until the end of April

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.
See Deal When you make your first payment into a Junior ISA or Sustainable Junior ISA, Shepherds will send you a Love2shop voucher code worth up to £50.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

Who are Fidelity?

Fidelity International are an investment management company that provide a range of financial services to retail investors.

They provide a variety of investment accounts to customers, ranging from individual investment accounts like ISAs, Junior ISAs, and Pensions, to more holistic financial services including personal finance advice and wealth management.

Among the investment accounts they provide is the Fidelity Stocks and Shares ISA.

What is an ISA account?

An ISA account is a tax-efficient investment or savings account.

Unlike a normal investment account, an ISA shelters your investments from the following taxes:

  1. Income tax on investment interest
  2. Income tax on dividends
  3. Capital Gains Tax

There are two main types of ISA accounts:

  • Stocks and Shares ISAs (invest in the stock market via funds and shares within your ISA)
  • Cash ISAs (earn an interest rate on the cash balance of your ISA)

What type of ISA account is a Fidelity ISA?

Fidelity currently only provide a Stocks and Shares ISA, and not a Cash ISA.

Cash ISAs provide a fixed or variable interest rate on your savings, and your investment is guaranteed to not fall in value.

However, interest rates have been low for a prolonged period of time in the UK, and many people choose to invest in Stocks and Shares ISAs instead.

Stocks and Shares ISAs allow you to invest directly in the stock market while still getting the tax benefits of an ISA wrapper.

What does a Fidelity Stocks and Shares ISA invest in?

A Fidelity Stocks and Shares ISA is a self-select ISA or DIY ISA.

This means that you need to decide what investments you hold within your account.

Fidelity’s ISA is a platform ISA, meaning that there are thousands of possible funds and shares to invest in and you’ll need to do your research to pick your own.

However, if you are unsure about what funds and shares to invest in, Fidelity provide plenty of research, tips and information to help you decide.

They even have a range of tools that suggest some possible investments for you based on your attitude to investment risk and your investment goals.

Their suggestions cannot be taken as financial advice, but they help point you in the right direction as to what types of funds might suit you.

All funds and shares can go down in value as well as up, no matter how many experts are involved in their management, so it’s important to be aware of the risks before you invest.

What are the charges for a Fidelity Stocks and Shares ISA?

Fidelity Platform Charge:

Fidelity charges an annual platform fee for all investment accounts you hold on their platform including ISAs, SIPPs, and general investment accounts.

The charging structure is as follows:

  • 0.35% per annum on portfolios worth less than £250,000
  • 0.20% on portfolios worth more than £250,000, but less than £1m
  • For portfolios over £1m, you pay 0.20% on the first £1m and then nothing more, so the maximum you could pay is £2,000 per year

Ongoing Fund Charge (OCF) of your underlying funds:

If you invest in managed or passive funds, the fund managers will also take an annual management charge from your investment. This isn’t Fidelity’s charge, but the funds’ charge that you invest with.

This is usually taken directly out of your fund’s performance, so you won’t typically see this fee being subtracted from your account.

Passive funds are managed less actively than managed funds, and mainly just track an index or sector. For this reason, they are the cheapest funds in terms of the Ongoing Fund Charges.

On the other hand, managed funds typically have higher charges due to the expertise and management from the fund managers, but they do aim to outperform the benchmark of the sector they invest in.

The details of a fund’s ongoing charges are laid out in the Key Investor Information Documents which you can download through Fidelity’s website before investing.

Can I withdraw from a Fidelity ISA?

Fidelity's Stocks and Shares ISA allows you to withdraw at any time once you’ve sold your investments.

You’ll likely need to wait about a week for your investments to sell before your withdrawal is processed, and you can instruct withdrawals easily via the online platform.

The only time you won’t be able to withdraw from a Fidelity ISA is if you’ve purchased a company’s shares and they are going through liquidation, or another form of corporate action, that results in their shares being suspended from trading.

How do I open a Fidelity ISA?

The easiest way to open a Fidelity Stocks and Shares ISA account is online, via their website.

You can set up an account with a password by providing some basic information including your National Insurance Number.

Once you have set up your account, you can start investing with a regular payment from as little as £25 per month, and you can invest up to £20,000 in the current tax year.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk

Frequently Asked Questions

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2022/23 tax year.

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

Your investments can go up as well as down, and so you should always be prepared for the event that you could lose money.

You can withdraw money at any time from your Stocks and Shares ISA.

You can do this online, via a mobile app, on the telephone or with postal instruction. You will need to sell any relevant holdings first and then withdraw the proceeds.

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

Yes. Most providers allow you to have dividends automatically paid out to your bank account upon receipt. You can also have them reinvested automatically, too.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

No, ISA stands for Individual Savings Account and must be solely owned for tax purposes.

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

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.