{
  "meta": {
    "source": "ukfeecomparison.co.uk",
    "description": "UK investment platform fee comparison data. Independently verified. Not affiliated with any platform.",
    "disclaimer": "This data is provided for information only. This is not financial advice. Always verify fees directly with the platform before making investment decisions.",
    "verified_date": "2026-06-28",
    "next_verification": "2026-09-28",
    "fca_disclosure": "ukfeecomparison.co.uk is not FCA authorised. Content is educational comparison information only.",
    "schema_version": "1.3",
    "licence": "CC BY 4.0 \u2014 free to use with attribution",
    "attribution_required": "Source: ukfeecomparison.co.uk (verified 2026-06-28)",
    "api_url": "https://ukfeecomparison.co.uk/api/v1/platforms.json",
    "contact": "data@ukfeecomparison.co.uk",
    "platforms_count": 11,
    "fields_per_platform": 42,
    "last_updated": "2026-06-28",
    "version_notes": "V1.3: AJ Bell PARTIAL\u2192VERIFIED (\u00a342/yr cap confirmed). Fidelity PARTIAL\u2192VERIFIED with corrected fee structure: shares/ETFs in ISA capped at \u00a390/year (was incorrectly showing tiered fund fee).",
    "changelog": [
      {
        "version": "1.2",
        "date": "2026-06-28",
        "changes": [
          "Interactive Investor: updated to Feb 2026 pricing (Core \u00a35.99, Plus \u00a314.99, Premium \u00a339.99). Status PARTIAL \u2192 VERIFIED.",
          "XTB: added \u2014 FRN 522157, 0% platform fee, 0% ETF trading (under \u20ac100k/month), 0.5% FX, ISA + Cash ISA, no SIPP."
        ]
      },
      {
        "version": "1.3",
        "date": "2026-06-28",
        "changes": [
          "AJ Bell: verification status PARTIAL \u2192 VERIFIED. Source: ajbell.co.uk/isa/stocks-shares-isa/charges. 0.25% shares/ETFs, \u00a342/year cap confirmed.",
          "Fidelity: verification status PARTIAL \u2192 VERIFIED. MATERIAL CORRECTION: shares/ETFs in ISA/SIPP capped at \u00a37.50/month (\u00a390/year) \u2014 previous data showed wrong tiered structure from fund fees. ETF cap confirmed from fidelity.co.uk/services/charges-fees/ (28 Jun 2026).",
          "Added fee_calculator_examples for AJ Bell and Fidelity platform entries.",
          "Updated global fee_calculator_examples table to include AJ Bell, Fidelity, interactive investor across all portfolio sizes."
        ]
      }
    ]
  },
  "platforms": [
    {
      "id": "investengine",
      "name": "InvestEngine",
      "url": "https://investengine.com",
      "fca_number": "801128",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": false,
        "lisa": false
      },
      "investment_types": [
        "ETFs only"
      ],
      "platform_fee": {
        "diy": {
          "percentage": 0.0,
          "flat_monthly_gbp": null,
          "minimum_monthly_gbp": null,
          "maximum_annual_gbp": null
        },
        "managed": {
          "percentage": 0.25,
          "flat_monthly_gbp": null
        },
        "notes": "0% for DIY ETF portfolios. 0.25% for managed portfolios."
      },
      "trading_costs": {
        "etf_gbp": 0.0,
        "stocks_gbp": null,
        "fractional_shares": true
      },
      "fx_fee_percentage": 0.0,
      "fx_notes": "GBP-listed ETFs only \u2014 no currency conversion required",
      "min_investment_gbp": 100,
      "auto_invest": true,
      "auto_rebalance": true,
      "fractional_shares": true,
      "mobile_app": true,
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://investengine.com/isa/",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "changes_since_last_check": []
      }
    },
    {
      "id": "trading212",
      "name": "Trading 212",
      "url": "https://trading212.com",
      "fca_number": "609146",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": false,
        "gia": true,
        "jisa": false,
        "lisa": false
      },
      "investment_types": [
        "Stocks",
        "ETFs",
        "Fractional shares"
      ],
      "platform_fee": {
        "diy": {
          "percentage": 0.0,
          "flat_monthly_gbp": null,
          "minimum_monthly_gbp": null,
          "maximum_annual_gbp": null
        },
        "notes": "0% platform fee on all accounts."
      },
      "trading_costs": {
        "etf_gbp": 0.0,
        "stocks_gbp": 0.0,
        "fractional_shares": true
      },
      "fx_fee_percentage": 0.15,
      "fx_notes": "0.15% FX fee. Confirmed from trading212.com/terms/invest (via Lightyear comparison table, Jun 2026).",
      "min_investment_gbp": 1,
      "auto_invest": true,
      "auto_rebalance": false,
      "fractional_shares": true,
      "mobile_app": true,
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://trading212.com/invest",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "changes_since_last_check": [],
        "notes": "FX rate 0.15% confirmed via cross-reference with Lightyear's published comparison (citing T212 terms page, data accurate 3 Jun 2026)."
      },
      "change_log": []
    },
    {
      "id": "freetrade",
      "name": "Freetrade",
      "url": "https://freetrade.io",
      "fca_number": "808028",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": true,
        "lisa": false
      },
      "investment_types": [
        "Stocks",
        "ETFs",
        "Fractional shares"
      ],
      "plans": [
        {
          "name": "Basic",
          "monthly_fee_gbp": 0.0,
          "annual_fee_gbp": 0.0,
          "isa_included": true,
          "sipp_included": true,
          "jisa_included": true,
          "fx_fee_percentage": 0.99,
          "dealing_commission_gbp": 0.0,
          "securities_count": 8200,
          "cash_interest_rate_pct": null
        },
        {
          "name": "Standard",
          "monthly_fee_gbp": 5.99,
          "annual_fee_gbp": 71.88,
          "isa_included": true,
          "sipp_included": true,
          "fx_fee_percentage": 0.59,
          "dealing_commission_gbp": 0.0,
          "securities_count": 8200
        },
        {
          "name": "Plus",
          "monthly_fee_gbp": 11.99,
          "annual_fee_gbp": 143.88,
          "isa_included": true,
          "sipp_included": true,
          "fx_fee_percentage": 0.39,
          "dealing_commission_gbp": 0.0,
          "securities_count": 8200
        }
      ],
      "change_log": [
        {
          "date": "2026",
          "description": "ISA and SIPP now free on Basic plan (was previously paid feature). JISA added as new product.",
          "impact": "HIGH \u2014 Freetrade Basic now competitive with zero-fee platforms for passive investors"
        }
      ],
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://freetrade.io/pricing",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk"
      }
    },
    {
      "id": "vanguard-uk",
      "name": "Vanguard UK",
      "url": "https://vanguardinvestor.co.uk",
      "fca_number": "527839",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": true,
        "lisa": false
      },
      "investment_types": [
        "Vanguard funds and ETFs only"
      ],
      "platform_fee": {
        "under_32k": {
          "flat_monthly_gbp": 4.0,
          "flat_annual_gbp": 48.0,
          "notes": "Flat \u00a34/month regardless of balance. Effective rate on \u00a35k = 0.96%/year."
        },
        "over_32k": {
          "percentage": 0.15,
          "maximum_annual_gbp": 375.0,
          "notes": "0.15% capped at \u00a3375/year. Competitive for large portfolios."
        },
        "breakeven_gbp": 32000,
        "breakeven_notes": "Above \u00a332,000 the 0.15% tier applies. Below \u00a332,000, flat \u00a34/month is worse than percentage alternatives."
      },
      "trading_costs": {
        "fund_gbp": 0.0,
        "etf_gbp": 0.0
      },
      "fx_fee_percentage": null,
      "min_investment_gbp": 100,
      "change_log": [
        {
          "date": "2026",
          "description": "Fee structure changed from simple 0.15% to tiered: flat \u00a34/month for portfolios under \u00a332,000, then 0.15% capped at \u00a3375.",
          "impact": "HIGH \u2014 Vanguard now more expensive than InvestEngine and Freetrade Basic for portfolios under \u00a332,000."
        }
      ],
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://vanguardinvestor.co.uk/what-we-offer/fees-explained",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk"
      }
    },
    {
      "id": "hargreaves-lansdown",
      "name": "Hargreaves Lansdown",
      "url": "https://hl.co.uk",
      "fca_number": "115248",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": true,
        "lisa": true
      },
      "investment_types": [
        "Funds",
        "Shares",
        "ETFs",
        "Investment Trusts",
        "Bonds"
      ],
      "platform_fee": {
        "shares_etfs_trusts": {
          "tiers": [
            {
              "up_to_gbp": 250000,
              "percentage": 0.35,
              "max_monthly_gbp": null
            },
            {
              "up_to_gbp": 1000000,
              "percentage": 0.2
            },
            {
              "above_gbp": 1000000,
              "percentage": 0.0
            }
          ],
          "maximum_annual_gbp": null,
          "maximum_monthly_gbp": null,
          "notes": "Max 0.35% for shares/ETFs/ITs, capped at \u00a3150 per account per year. CHANGED from 0.45% \u2014 confirmed 28 Jun 2026. Note: cap is PER ACCOUNT (ISA, SIPP, GIA each capped separately).",
          "maximum_annual_per_account_gbp": 150
        },
        "funds": {
          "tiers": [
            {
              "up_to_gbp": 250000,
              "percentage": 0.45
            },
            {
              "up_to_gbp": 1000000,
              "percentage": 0.25
            },
            {
              "above_gbp": 1000000,
              "percentage": 0.1
            }
          ]
        }
      },
      "trading_costs": {
        "online_shares_gbp": 11.95,
        "online_shares_frequent_trader_gbp": 5.95,
        "online_etf_gbp": 11.95,
        "online_fund_gbp": 0.0,
        "maximum_online_gbp": null,
        "notes": "\u00a311.95 default, \u00a35.95 if 10+ trades in previous month"
      },
      "change_log": [
        {
          "date": "2026",
          "description": "Shares/ETF/IT platform fee reduced from 0.45% maximum to 0.35% maximum.",
          "impact": "HIGH \u2014 affects all HL comparison verdicts. HL more competitive than training data suggested."
        }
      ],
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://hl.co.uk/charges",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "notes": "\u00a3150 cap per account confirmed via Lightyear comparison table (citing hl.co.uk/help/income-and-fees/fees-explained/fee-changes, 3 Jun 2026) and direct hl.co.uk/charges verification 28 Jun 2026."
      }
    },
    {
      "id": "aj-bell",
      "name": "AJ Bell",
      "url": "https://ajbell.co.uk",
      "fca_number": "167020",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": true,
        "lisa": true
      },
      "investment_types": [
        "Funds",
        "Shares",
        "ETFs",
        "Investment Trusts"
      ],
      "platform_fee": {
        "shares_etfs": {
          "percentage": 0.25,
          "maximum_monthly_gbp": 3.5,
          "maximum_annual_gbp": 42.0,
          "notes": "0.25% capped at \u00a33.50/month (\u00a342/year) for shares/ETFs in ISA."
        },
        "funds": {
          "tiers": [
            {
              "up_to_gbp": 250000,
              "percentage": 0.25
            },
            {
              "up_to_gbp": 500000,
              "percentage": 0.1
            },
            {
              "above_gbp": 500000,
              "percentage": 0.0
            }
          ]
        }
      },
      "trading_costs": {
        "online_shares_gbp": 9.95,
        "frequent_trader_gbp": 4.95,
        "etf_gbp": 9.95,
        "fund_gbp": 1.5
      },
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://www.ajbell.co.uk/isa/stocks-shares-isa/charges",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "notes": "0.25% shares/ETFs in ISA, capped at \u00a33.50/month (\u00a342/year) confirmed directly from AJ Bell ISA charges page. Cap kicks in at ~\u00a316,800 portfolio value."
      },
      "fee_calculator_examples": {
        "passive_etf_no_trades_annual_cost_gbp": {
          "5000": {
            "cost": 12.5,
            "note": "0.25% \u00d7 \u00a35,000. Cap of \u00a342 not yet reached (kicks in ~\u00a316,800)."
          },
          "20000": {
            "cost": 42.0,
            "note": "Cap applies. 0.25% \u00d7 \u00a320,000 = \u00a350, but capped at \u00a342/year."
          },
          "50000": {
            "cost": 42.0,
            "note": "Cap applies."
          },
          "100000": {
            "cost": 42.0,
            "note": "Cap applies. Highly competitive for large portfolios."
          }
        }
      }
    },
    {
      "id": "dodl",
      "name": "Dodl by AJ Bell",
      "url": "https://dodl.co.uk",
      "fca_number": "167020",
      "parent": "AJ Bell",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": false,
        "lisa": false
      },
      "investment_types": [
        "Curated fund and ETF range"
      ],
      "platform_fee": {
        "percentage": 0.15,
        "minimum_monthly_gbp": 1.0,
        "notes": "0.15% with \u00a31/month minimum."
      },
      "trading_costs": {
        "fund_gbp": 0.0,
        "etf_gbp": 0.0,
        "notes": "No dealing charges within Dodl app."
      },
      "verification": {
        "status": "NEEDS_VERIFICATION",
        "source_url": "https://dodl.co.uk/pricing/",
        "source_notes": "Page returned empty on 28 Jun 2026. Data from training knowledge. Requires manual verification.",
        "verified_date": null,
        "verified_by": "ukfeecomparison.co.uk",
        "needs_direct_verification": true
      }
    },
    {
      "id": "interactive-investor",
      "name": "interactive investor",
      "url": "https://www.ii.co.uk",
      "fca_number": "170627",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": true,
        "lisa": false,
        "cash_isa": false
      },
      "investment_types": [
        "Shares",
        "Funds",
        "ETFs",
        "Investment Trusts",
        "Bonds"
      ],
      "platform_fee": {
        "model": "flat_fee_plans",
        "effective_date": "2026-02-01",
        "plans": [
          {
            "name": "Core",
            "monthly_gbp": 5.99,
            "annual_gbp": 71.88,
            "portfolio_limit_gbp": 100000,
            "isa_available": true,
            "sipp_available": true,
            "gia_available": true,
            "jisa_available": false,
            "free_trades_monthly": 0,
            "uk_us_shares_etf_trade_gbp": 3.99,
            "funds_trade_gbp": 3.99,
            "international_shares_trade_gbp": 9.99,
            "fx_pct": 0.75,
            "regular_investing": "Free",
            "dividend_reinvestment_gbp": 0.99,
            "notes": "All accounts (ISA, SIPP, Trading Account) included in one flat monthly fee. No percentage fee on assets."
          },
          {
            "name": "Plus",
            "monthly_gbp": 14.99,
            "annual_gbp": 179.88,
            "portfolio_limit_gbp": null,
            "isa_available": true,
            "sipp_available": true,
            "gia_available": true,
            "jisa_available": true,
            "free_trades_monthly": 1,
            "uk_us_shares_etf_trade_gbp": 3.99,
            "funds_trade_gbp": 1.49,
            "international_shares_trade_gbp": 7.99,
            "fx_pct": "0.75% first \u00a350k; 0.25% above \u00a350k",
            "regular_investing": "Free",
            "dividend_reinvestment_gbp": 0.99,
            "notes": "Auto-upgrades to Plus when portfolio exceeds \u00a3100,000. 5 free family accounts. 1 free monthly trade."
          },
          {
            "name": "Premium",
            "monthly_gbp": 39.99,
            "annual_gbp": 479.88,
            "portfolio_limit_gbp": null,
            "isa_available": true,
            "sipp_available": true,
            "gia_available": true,
            "jisa_available": true,
            "free_trades_monthly": 2,
            "uk_us_shares_etf_trade_gbp": 2.99,
            "funds_trade_gbp": 0,
            "international_shares_trade_gbp": 5.99,
            "fx_pct": 0.25,
            "regular_investing": "Free",
            "dividend_reinvestment_gbp": 0,
            "notes": "Unlimited free family accounts. 2 free monthly trades. Free fund trades. Lowest FX rate."
          }
        ],
        "comparison_note": "Core plan is suitable for most investors. Auto-upgrade to Plus at \u00a3100k portfolio."
      },
      "trading_costs": {
        "additional_trade_gbp": 3.99,
        "notes": "\u00a33.99 per trade beyond free monthly allocation."
      },
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://www.ii.co.uk/our-charges",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "notes": "New pricing confirmed effective 1 Feb 2026. Previous plans (Investor Essentials \u00a34.99, Investor \u00a311.99, Super Investor \u00a319.99) discontinued.",
        "previous_source": "https://www.ii.co.uk/analysis-commentary/interactive-investor-launches-new-price-plans-ii537493"
      },
      "affiliate_programme": {
        "available": true,
        "url": "https://www.ii.co.uk/about-us/affiliate-programme"
      },
      "fee_calculator_examples": {
        "passive_etf_no_trades_annual_cost_gbp": {
          "5000": {
            "plan": "Core",
            "cost": 71.88,
            "note": "Flat fee \u2014 platform cost same regardless of portfolio size"
          },
          "20000": {
            "plan": "Core",
            "cost": 71.88
          },
          "50000": {
            "plan": "Core",
            "cost": 71.88
          },
          "100000": {
            "plan": "Plus",
            "cost": 179.88,
            "note": "Auto-upgrades to Plus above \u00a3100k"
          }
        }
      }
    },
    {
      "id": "fidelity",
      "name": "Fidelity Personal Investing",
      "url": "https://fidelity.co.uk",
      "fca_number": "122169",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "sipp": true,
        "gia": true,
        "jisa": true,
        "lisa": false
      },
      "investment_types": [
        "Funds",
        "Shares",
        "ETFs",
        "Investment Trusts"
      ],
      "platform_fee": {
        "model": "percentage_with_etf_cap",
        "tiers": [
          {
            "up_to_gbp": 25000,
            "with_regular_savings_plan": {
              "percentage": 0.35,
              "notes": "0.35% for under \u00a325k if you have a regular savings plan"
            },
            "without_regular_savings_plan": {
              "flat_monthly_gbp": 7.5,
              "flat_annual_gbp": 90,
              "notes": "\u00a37.50/month flat if no regular savings plan and under \u00a325k"
            }
          },
          {
            "up_to_gbp": 250000,
            "percentage": 0.35
          },
          {
            "up_to_gbp": 1000000,
            "percentage": 0.2
          },
          {
            "above_gbp": 1000000,
            "percentage": 0.0,
            "notes": "No fee above \u00a31m. Overall max \u00a32,000/year across all personal accounts."
          }
        ],
        "shares_etfs_isa_sipp_cap": {
          "maximum_monthly_gbp": 7.5,
          "maximum_annual_gbp": 90,
          "applies_to": "Exchange-traded investments (shares, ETFs, investment trusts) in ISA or SIPP only",
          "cap_breakeven_gbp": 25714,
          "notes": "The \u00a390/year cap is the critical figure for passive ETF investors. At \u00a325,714+ the 0.35% fee would exceed \u00a390 \u2014 the cap kicks in. Fidelity becomes very competitive above this threshold."
        },
        "overall_maximum_annual_gbp": 2000,
        "dealing_fee_gbp": 7.5,
        "dealing_fee_regular_investing_gbp": 1.5,
        "dealing_fee_notes": "\u00a37.50 per online share/ETF deal. \u00a31.50 for regular savings plan trades. No dealing fee on funds.",
        "notes": "CORRECTED 28 Jun 2026. For passive ETF ISA investors: 0.35% capped at \u00a390/year. Competitive for portfolios above ~\u00a325,000. Previous database entry was wrong (showed tiered fund fee structure without the ETF cap)."
      },
      "trading_costs": {
        "online_shares_gbp": 7.5,
        "fund_gbp": 0.0,
        "etf_gbp": 7.5
      },
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://www.fidelity.co.uk/services/charges-fees/",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "notes": "ETF cap of \u00a37.50/month (\u00a390/year) confirmed directly from fidelity.co.uk/services/charges-fees/ page text: 'Service fee applied to any exchange-traded investments, including shares, in an ISA or SIPP - 0.35% (reduced to 0.20% if you invest \u00a3250,000 or more) and capped at \u00a37.50 per month'. MATERIAL CORRECTION from previous PARTIAL entry.",
        "correction_note": "Previous version showed wrong tiered structure based on fund fees (up to \u00a37,500 flat \u00a37.50/month; then 0.35% with min). Correct structure has the \u00a390/year ETF cap as the binding constraint for passive investors."
      },
      "fee_calculator_examples": {
        "passive_etf_isa_annual_cost_gbp": {
          "note": "Assumes ETF/shares in ISA with regular savings plan (RSP) or portfolio over \u00a325k",
          "5000": {
            "cost_with_rsp": 17.5,
            "cost_without_rsp": 90.0,
            "note": "With RSP: 0.35% \u00d7 \u00a35,000. Without RSP: \u00a390/year flat."
          },
          "20000": {
            "cost_with_rsp": 70.0,
            "cost_without_rsp": 90.0,
            "note": "With RSP: 0.35% \u00d7 \u00a320,000 = \u00a370. Without RSP: \u00a390 flat. Both below the \u00a390 cap."
          },
          "50000": {
            "cost": 90.0,
            "note": "Cap applies. 0.35% \u00d7 \u00a350,000 = \u00a3175, but ETF cap = \u00a390/year."
          },
          "100000": {
            "cost": 90.0,
            "note": "Cap applies. 0.35% \u00d7 \u00a3100,000 = \u00a3350, but ETF cap = \u00a390/year."
          }
        }
      }
    },
    {
      "id": "lightyear",
      "name": "Lightyear",
      "url": "https://lightyear.com/en-gb",
      "fca_number": "987226",
      "fca_entity": "Lightyear UK Ltd",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "cash_isa": true,
        "sipp": false,
        "gia": true,
        "jisa": false,
        "lisa": false,
        "business": true
      },
      "investment_types": [
        "Stocks (UK, US, EU)",
        "ETFs",
        "Funds",
        "Ready-made Plans"
      ],
      "platform_fee": {
        "percentage": 0.0,
        "flat_monthly_gbp": null,
        "minimum_monthly_gbp": null,
        "maximum_annual_gbp": null,
        "notes": "Zero account fee. No custody fee. No platform fee of any kind."
      },
      "trading_costs": {
        "uk_stocks_gbp": 0.0,
        "us_stocks_gbp": 0.0,
        "eu_stocks_gbp": 0.0,
        "etf_gbp": 0.0,
        "fund_gbp": 0.0,
        "fractional_shares": true,
        "notes": "Zero execution fees on all ETFs, UK stocks, US stocks, EU stocks."
      },
      "fx_fee_percentage": 0.1,
      "fx_notes": "0.1% FX fee using live interbank exchange rate. Best FX rate of any mainstream UK platform for international investors. GIA supports multi-currency holding (GBP, USD, EUR) to avoid double conversion.",
      "cash_products": {
        "vaults_rate_pct": 3.8,
        "vaults_fee_pct": 0.15,
        "cash_isa_rate_pct": 3.75,
        "cash_isa_fee": 0.0,
        "notes": "Vaults: up to 3.80% AER on uninvested cash (0.15% fee deducted). Cash ISA: 3.75% AER, free, flexible access."
      },
      "deposit_fees": {
        "bank_transfer_in_gbp": 0.0,
        "bank_transfer_out_gbp": 0.0,
        "card_deposit_pct": 0.6,
        "notes": "Free by bank transfer. 0.6% for card/Apple Pay/Google Pay deposits."
      },
      "min_investment_gbp": null,
      "auto_invest": true,
      "auto_rebalance": false,
      "fractional_shares": true,
      "mobile_app": true,
      "affiliate_programme": true,
      "affiliate_url": "https://lightyear.com/en-gb/affiliates",
      "notes": "Lightyear has its own AI tool (Lightyear AI) and a comparison page at lightyear.com/en-gb/comparison. Data on their comparison page accurate as of 3 Jun 2026. Lightyear is a direct competitor to InvestEngine and Trading 212 for the zero-fee ETF investor. Key differentiator: 0.1% FX vs InvestEngine (GBP-only, no FX needed) vs Trading 212 (0.15% FX). Does NOT offer SIPP.",
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://lightyear.com/en-gb/pricing",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "changes_since_last_check": [],
        "source_notes": "Lightyear's own pricing page. Data accurate as of 3 Jun 2026 (Lightyear's label)."
      }
    },
    {
      "id": "xtb",
      "name": "XTB",
      "url": "https://www.xtb.com/en",
      "fca_number": "522157",
      "fca_authorised": true,
      "fscs_protected": true,
      "fscs_limit_gbp": 85000,
      "products": {
        "isa": true,
        "cash_isa": true,
        "sipp": false,
        "gia": true,
        "jisa": false,
        "lisa": false
      },
      "investment_types": [
        "Shares",
        "ETFs",
        "CFDs",
        "Commodities",
        "Indices",
        "Forex"
      ],
      "platform_fee": {
        "model": "zero_fee",
        "monthly_gbp": 0,
        "annual_gbp": 0,
        "custody_fee": {
          "below_250k_eur": 0,
          "above_250k_eur_pct_pa": 0.02,
          "minimum_gbp": 10,
          "note": "No custody fee for portfolios under \u20ac250,000 (approx \u00a3215,000 at current rates)"
        }
      },
      "trading_costs": {
        "shares_etfs_commission": {
          "below_100k_eur_monthly": "0% (free)",
          "above_100k_eur_monthly_pct": 0.2,
          "above_100k_minimum_gbp": 10,
          "note": "Free trading up to \u20ac100,000/month (approx \u00a386,000). 0.2% above. Most retail investors will stay in the free band."
        },
        "fx_pct": 0.5,
        "minimum_investment_gbp": 10
      },
      "cash_interest": {
        "standard_aer_pct": 4.0,
        "promotional": "Up to 6% AER for first 90 days for new accounts (offer subject to change)",
        "note": "Verified from xtb.com/en/interest"
      },
      "affiliate_programme": {
        "available": "check",
        "url": "https://www.xtb.com/en/partnerships",
        "note": "Partnership page exists \u2014 CPA terms require direct verification"
      },
      "verification": {
        "status": "VERIFIED",
        "source_url": "https://www.xtb.com/en/account-and-fees",
        "verified_date": "2026-06-28",
        "verified_by": "ukfeecomparison.co.uk",
        "notes": "FCA FRN 522157 confirmed. No platform fee. 0% commission on stocks/ETFs under \u20ac100k/month. No SIPP product listed.",
        "needs_further_verification": [
          "affiliate CPA terms"
        ]
      },
      "fee_calculator_examples": {
        "passive_etf_no_trades_annual_cost_gbp": {
          "5000": {
            "cost": 0,
            "note": "No platform fee, no trading commission on ETFs"
          },
          "20000": {
            "cost": 0
          },
          "50000": {
            "cost": 0
          },
          "100000": {
            "cost": 0,
            "note": "Still in free custody tier (below \u20ac250k)"
          }
        }
      }
    }
  ],
  "fee_calculator_examples": {
    "description": "Annual platform cost for a passive ETF ISA investor (no active trading). Updated v1.3 with verified AJ Bell and Fidelity figures.",
    "verified_date": "2026-06-28",
    "examples": [
      {
        "portfolio_gbp": 5000,
        "costs": {
          "investengine": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "trading212": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "freetrade_basic": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "lightyear": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "xtb": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "dodl": {
            "annual_gbp": 12.0,
            "effective_rate_pct": 0.24,
            "status": "NEEDS_VERIFICATION"
          },
          "aj_bell": {
            "annual_gbp": 12.5,
            "effective_rate_pct": 0.25,
            "status": "VERIFIED"
          },
          "hargreaves_lansdown": {
            "annual_gbp": 17.5,
            "effective_rate_pct": 0.35,
            "status": "VERIFIED"
          },
          "fidelity_with_rsp": {
            "annual_gbp": 17.5,
            "effective_rate_pct": 0.35,
            "status": "VERIFIED",
            "note": "With regular savings plan"
          },
          "fidelity_no_rsp": {
            "annual_gbp": 90.0,
            "effective_rate_pct": 1.8,
            "status": "VERIFIED",
            "note": "Without regular savings plan"
          },
          "interactive_investor": {
            "annual_gbp": 71.88,
            "effective_rate_pct": 1.44,
            "status": "VERIFIED"
          },
          "vanguard": {
            "annual_gbp": 48.0,
            "effective_rate_pct": 0.96,
            "status": "VERIFIED"
          }
        }
      },
      {
        "portfolio_gbp": 20000,
        "costs": {
          "investengine": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "trading212": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "freetrade_basic": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "lightyear": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "xtb": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "dodl": {
            "annual_gbp": 30.0,
            "effective_rate_pct": 0.15,
            "status": "NEEDS_VERIFICATION"
          },
          "aj_bell": {
            "annual_gbp": 42.0,
            "effective_rate_pct": 0.21,
            "status": "VERIFIED",
            "note": "Cap applies"
          },
          "vanguard": {
            "annual_gbp": 48.0,
            "effective_rate_pct": 0.24,
            "status": "VERIFIED"
          },
          "hargreaves_lansdown": {
            "annual_gbp": 70.0,
            "effective_rate_pct": 0.35,
            "status": "VERIFIED"
          },
          "fidelity": {
            "annual_gbp": 70.0,
            "effective_rate_pct": 0.35,
            "status": "VERIFIED",
            "note": "0.35% \u00d7 \u00a320k. Cap not yet reached."
          },
          "interactive_investor": {
            "annual_gbp": 71.88,
            "effective_rate_pct": 0.36,
            "status": "VERIFIED"
          }
        }
      },
      {
        "portfolio_gbp": 50000,
        "costs": {
          "investengine": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "trading212": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "freetrade_basic": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "lightyear": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "xtb": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "aj_bell": {
            "annual_gbp": 42.0,
            "effective_rate_pct": 0.084,
            "status": "VERIFIED",
            "note": "Cap applies"
          },
          "interactive_investor": {
            "annual_gbp": 71.88,
            "effective_rate_pct": 0.144,
            "status": "VERIFIED"
          },
          "vanguard": {
            "annual_gbp": 75.0,
            "effective_rate_pct": 0.15,
            "status": "VERIFIED"
          },
          "dodl": {
            "annual_gbp": 75.0,
            "effective_rate_pct": 0.15,
            "status": "NEEDS_VERIFICATION"
          },
          "fidelity": {
            "annual_gbp": 90.0,
            "effective_rate_pct": 0.18,
            "status": "VERIFIED",
            "note": "ETF cap applies"
          },
          "hargreaves_lansdown": {
            "annual_gbp": 150.0,
            "effective_rate_pct": 0.3,
            "status": "VERIFIED",
            "note": "Per-account cap applies"
          }
        }
      },
      {
        "portfolio_gbp": 100000,
        "costs": {
          "investengine": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "trading212": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "freetrade_basic": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "lightyear": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "xtb": {
            "annual_gbp": 0,
            "effective_rate_pct": 0.0
          },
          "aj_bell": {
            "annual_gbp": 42.0,
            "effective_rate_pct": 0.042,
            "status": "VERIFIED",
            "note": "Cap applies"
          },
          "fidelity": {
            "annual_gbp": 90.0,
            "effective_rate_pct": 0.09,
            "status": "VERIFIED",
            "note": "ETF cap applies"
          },
          "vanguard": {
            "annual_gbp": 150.0,
            "effective_rate_pct": 0.15,
            "status": "VERIFIED"
          },
          "dodl": {
            "annual_gbp": 150.0,
            "effective_rate_pct": 0.15,
            "status": "NEEDS_VERIFICATION"
          },
          "hargreaves_lansdown": {
            "annual_gbp": 150.0,
            "effective_rate_pct": 0.15,
            "status": "VERIFIED",
            "note": "Per-account cap. 0.35% \u00d7 \u00a3100k = \u00a3350 but cap = \u00a3150/account"
          },
          "interactive_investor": {
            "annual_gbp": 179.88,
            "effective_rate_pct": 0.18,
            "status": "VERIFIED",
            "note": "Auto-upgrades to Plus above \u00a3100k"
          }
        }
      }
    ]
  }
}