Sources · 56 of 56 verified
Where the numbers come from.
Feefee pulls rate and fee data from each provider’s own public-facing pages — not third-party comparison sites. Below is the page we got the figures from for every provider we track, plus the date we last verified them.
Rates and fees move. Spot something out of date? Email woof@feefee.money. For a sortable, rate-row-centric view of every figure with its source URL, see the /comparison page.
What Feefee is, legally. Feefee is a UK comparison publisher, not a regulated adviser — we publish factual fee and rate comparisons under Article 47 of the Financial Promotion Order 2005, not personal advice or recommendations. Decisions stay with you.
Current accounts
Free UK current accounts (high-street + challenger). Most pay 0% on balances; a few pay an interest rate on a capped balance.
Lloyds (current account)
Verified 2 May 2026Key infoCurrent account0% AERNotes- No monthly fees.
- Positive balances earn 0% interest.
HSBC (current account)
Verified 18 Aug 2026Key infoCurrent account0% AERNotes- No interest paid on positive balances across all standard HSBC current accounts (Bank Account, Advance, Premier).
Barclays (current account)
Verified 18 Aug 2026Key infoCurrent account0% AERNotes- No interest paid on positive balances.
NatWest (current account)
Verified 18 Aug 2026Key infoCurrent account0% AERNotes- No monthly fees.
- Positive balances earn 0% interest.
Santander Edge Up
Verified 18 Aug 2026Key infoCurrent account2.10% AERCurrent account charge£5/monthNotes- Edge Up pays 2.10% AER on balances up to £25,000.
- Monthly fee is £5.
- Rate was cut from 3.50% in October 2024 to 3.00%, then to 2.10% in December 2025.
Monzo (Perks)
Verified 18 Aug 2026Key infoCurrent account3.25% AERCurrent account charge£9/monthNotes- Free Instant Access pots pay 2.75% AER.
- Perks membership (£9/month — up from £7/month for new customers from 13 August 2026, existing customers from 14 October 2026) boosts Instant Access pots to 3.25% AER.
- Select Access pots pay 3.15% AER on Free/Plus accounts, or 3.65% on Perks/Max accounts.
Starling
Verified 18 Aug 2026Key infoCurrent account0% AERNotes- Current account interest was withdrawn on 10 February 2025 — current accounts now pay 0%.
- Easy Saver pays 2.50% AER standard as a separate savings product.
- New Easy Saver accounts opened now get 4.00% AER for the first 12 months (a 1.50% fixed bonus on top of the standard rate), reverting to the standard variable rate after.
Chase UK (current account)
Verified 18 Aug 2026Key infoCurrent account0% AEREasy-access savings2.25% AERNotes- The current account pays 0% — Chase stopped paying current-account interest on 5 August 2024.
- Boosted Saver pays 4.50% AER for the first 12 months (new customers), then drops to 2.25% standard; customers joining from 29 December 2025 must activate the boost within their first 31 days.
- Cashback is 2% on debit-card spending in selected categories (groceries, restaurants and similar), capped at £20/month.
Kroo
Verified 18 Aug 2026Key infoCurrent account2.65% AEREasy-access savings2.65% AERNotes- Current account pays 2.65% AER and tracks the Bank of England base rate minus 1.10 percentage points.
Easy-access savings
Savings accounts outside an ISA wrapper. Interest is taxable above the Personal Savings Allowance.
Trading 212
Verified 18 Aug 2026Key infoCash ISA3.60% AEREasy-access savings3.60% AERS&S ISA feeFreeGeneral Investment Account chargeFreeSIPP feeFreeS&S ISA cash (via MMF)3.80% AERGeneral Investment Account cash (via MMF)3.80% AERSIPP cash (via MMF)3.80% AERFSCSCash ISA: deposited at FCA/PRA-authorised partner banks (FSCS deposit cover £120,000 per eligible person per partner bank, from 1 Dec 2025). Uninvested cash inside the S&S ISA / SIPP held in QMMF (money-market fund) — not deposit-protected; FSCS investment cover (£85,000) applies. Investments (S&S ISA, SIPP) covered under FSCS investment scheme (£85,000 per authorised firm).Notes- Cash ISA pays a 12-month new-customer promo (stored at 4.51%; Trading 212 publishes the figure in-app only), then drops to about 3.60% — Trading 212 tracks the Bank of England base rate minus 0.15 percentage points.
- Uninvested cash in the Stocks & Shares ISA, Invest account and SIPP is held in a Money Market Fund (MMF) paying 3.8% AER on GBP — verified 18 August 2026.
- SIPP is generally available and free of platform, custody and dealing fees — Trading 212 received its own FCA authorisation to operate a personal pension in February 2026 and runs the SIPP directly, so there is no third-party operator or trustee fee. The only trade-level cost is a 0.15% FX fee on non-GBP trades.
Chip
Verified 18 Aug 2026Key infoCash ISA3.75% AEREasy-access savings3.20% AERNotes- Smart Cash ISA pays 3.75% AER standard, tracking the Bank of England base rate minus 0.06 percentage points (gross).
- New customers can earn 4.55% AER for the first 12 months, including a 0.80% AER boost, then revert to the standard tracker rate.
- The original Chip Cash ISA (base rate minus 0.65) is closed to new customers — the Smart Cash ISA is its successor.
- Chip's easy-access savers were restructured into two products; those figures are under re-review as of 18 August 2026.
Plum
Verified 18 Aug 2026Key infoCash ISA2.54% AEREasy-access savings2.54% AERS&S ISA fee£2.99/monthNotes- Cash ISA pays 4.31% AER for the first 12 months as a new-customer promo, then drops to 2.54%.
- Transferring in an existing ISA from another provider locks in a 4.20% AER rate.
Marcus by Goldman Sachs
Verified 18 Aug 2026Key infoEasy-access savings3.24% AERNotes- Online Savings Account pays 3.75% AER for the first 12 months as a new-customer promo (including a 0.49% bonus).
- The underlying rate without the bonus is 3.24% AER — verified 18 August 2026.
Santander (savings)
Verified 18 Aug 2026Key infoCash ISA2% AEREasy-access savings2% AERNotes- Easy Access ISA pays 2.00% AER (variable rate, for 12 months).
- Easy Access Saver (Issue 31) pays 2.00% AER for 12 months, then converts to the lower-rate Everyday Saver.
Lloyds Bank (savings)
Verified 2 May 2026Key infoCash ISA0.75% AEREasy-access savings1.25% AERNotes- Cash ISA Saver pays 0.75% AER on balances from £1 to £24,999, rising to 0.90% on £25,000 or more.
- Easy Saver pays a tiered rate from 1.10% to 1.40% AER depending on balance.
Halifax (savings)
Verified 2 May 2026Key infoCash ISA1.05% AEREasy-access savings1% AERNotes- ISA Saver Variable pays 1.05% AER on balances up to £24,999, rising to 1.15% on £25,000 or more.
- Everyday Saver pays up to 1.00% AER.
- ISA Reward Bonus Saver is a higher-tier option paying 2.75% AER.
Barclays (savings)
Verified 2 May 2026Key infoCash ISA1% AEREasy-access savings1% AERNotes- Everyday Saver and Instant Cash ISA both pay 1.00% AER as of 11 March 2026.
- Rate was cut from higher tiered rates earlier in 2026.
NatWest (savings)
Verified 18 Aug 2026Key infoCash ISA1.15% AEREasy-access savings1.35% AERNotes- Instant Access Cash ISA pays 1.15% AER on balances up to £24,999, rising to 2.45% on £25,000 or more.
- Flexible Saver pays 1.35% AER for the £25,000 to £99,999 balance tier.
HSBC UK (savings)
Verified 18 Aug 2026Key infoCash ISA2.50% AEREasy-access savings1.05% AERNotes- Loyalty Cash ISA pays 2.50% AER, or 3.00% for Premier customers.
- Online Bonus Saver pays 3.35% AER as long as no withdrawal is made, drops to 1.05% if you withdraw.
Monzo (savings pot)
Verified 18 Aug 2026Key infoEasy-access savings2.75% AERNotes- Free Instant Access pot pays 2.75% AER.
Zopa Bank
Verified 18 Aug 2026Key infoCash ISA3.25% AEREasy-access savings2.95% AERFixed savings4.55% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Access pots pay 2.95% AER on instant access; notice pots pay 3.08% to 3.55% AER depending on the notice period.
- Cash ISA Access pots pay 3.25% AER; the 'up to 4.50%' figure on Zopa's ISA page is a 1-year Fixed Term ISA, not an easy-access rate.
- 1-year Fixed Term savings pots pay 4.55% AER.
- The headline 7.1% Regular Saver runs for 6 months, hard-caps new deposits at £300/month and requires a Zopa Biscuit current account — Feefee deliberately omits Zopa from regular-savings recommendations until the engine models monthly deposit caps (FB-41).
Atom Bank
Verified 18 Aug 2026Key infoCash ISA4.25% AEREasy-access savings2% AERFixed savings4.55% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Instant Saver Reward pays a 3.49% AER reward rate in months with no withdrawal; in a month you withdraw, the 2.00% withdrawal rate applies just for that monthly interest period.
- Easy Access Cash ISA pays 4.25% AER with unlimited access (not a flexible ISA).
- 1-year Fixed Saver pays 4.55% AER, locked for 12 months; the 2-year term pays 4.68%.
Tandem Bank
Verified 18 Aug 2026Key infoCash ISA3.75% AEREasy-access savings3.15% AERFixed savings4.60% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Instant Access Saver pays 3.15% AER standard; a 12-month top-up lifts it to 3.40% (offer available until 3 September 2026), reverting to the standard variable rate after.
- Instant Access Cash ISA pays 3.75% AER standard; a 12-month top-up lifts it to 4.00%, reverting to the standard variable rate after.
- 1-year Fixed Saver pays 4.60% AER, locked for the term.
Cynergy Bank
Verified 18 Aug 2026Key infoCash ISA4.15% AEREasy-access savings2.15% AERFixed savings4.35% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Online Easy Access pays 2.15% AER standard; the 4.15% headline includes a 2.00% AER bonus for the first 12 months.
- Online ISA pays 4.15% AER, with no bonus condition disclosed.
- 1 Year Fixed Rate Bond pays 4.35% AER with a £1,000 minimum.
OakNorth Bank
Verified 19 Aug 2026Key infoCash ISA2.75% AEREasy-access savings3.50% AERFixed savings4.50% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Easy Access Tracker pays 3.50% AER and moves automatically with the Bank of England base rate (base rate minus 0.25 percentage points).
- Easy Access Cash ISA pays 2.75% AER.
- 12-month Fixed Term pays 4.50% AER; the 24-month term pays 4.55%.
Charter Savings Bank
Verified 18 Aug 2026Key infoCash ISA4.23% AEREasy-access savings4.21% AERFixed savings4.71% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Easy Access (Issue 78) pays 4.21% AER.
- Easy Access Cash ISA (Issue 81) pays 4.23% AER, tax-free.
- 1 Year Fixed Rate Bond pays 4.71% AER — a rise on the earlier 4.55%.
Hampshire Trust Bank
Verified 18 Aug 2026Key infoEasy-access savings4.18% AERFixed savings4.36% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Easy Access Online Saver (Issue 36) pays 4.18% AER.
- 1 Year Online Fixed Saver (Issue 84) pays 4.36% AER; the 4.55% rate is now the 5-year term.
- Hampshire Trust Bank now also sells Cash ISA accounts with an 'up to 4.55% AER' headline — Feefee doesn't track these yet because the standard (non-headline) rate needs verifying first.
Aldermore Bank
Verified 18 Aug 2026Key infoCash ISA4.20% AEREasy-access savings3.75% AERFixed savings4.44% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Double Access Saver pays 3.75% AER with up to two withdrawals a year; from the third withdrawal the rate drops to 1.50% until the account anniversary.
- 1 Year Fixed Rate Savings Account pays 4.44% AER.
- Aldermore's Cash ISA range was restructured and no single like-for-like easy-access ISA remains — the stored figure is under re-review as of 18 August 2026.
Coventry Building Society
Verified 19 Aug 2026Key infoCash ISA2% AEREasy-access savings2% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Easy Access Saver (8) pays 2.00% AER with unlimited withdrawals; the 5 Access Saver pays 3.50% AER but caps you at five withdrawals a year.
- Easy Access ISA (12) pays 2.00% AER tax-free; the limited-access 4 Access ISA pays 4.25% AER as an alternative.
- Regular Saver (6) pays 4.00% AER on deposits of up to £500/month over a 12-month term — Feefee deliberately omits Coventry from regular-savings recommendations until the engine models monthly deposit caps.
- The Triple Access Saver was withdrawn from sale in 2026, so its 4.10% rate no longer describes an account new savers can open.
Nationwide
Verified 18 Aug 2026Key infoCash ISA3.30% AEREasy-access savings2.30% AERFSCSFSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).Notes- Triple Access ISA pays 3.30% AER; withdrawing more than three times in the year drops the rate to 1.05%.
- Flex Instant Saver pays 2.30% AER and requires a Nationwide current account.
- The headline 6.50% Flex Regular Saver caps deposits at £200/month and requires an existing Nationwide current account, so it doesn't translate cleanly to a £20k+ balance — Feefee deliberately omits Nationwide from regular-savings recommendations.
Moneybox
Verified 18 Aug 2026Key infoEasy-access savings2.40% AERLISA fee£1/month + 0.45%S&S ISA fee£1/month + 0.45%SIPP fee0.45% to £100k, 0.15% aboveNotes- S&S ISA charges £1/month subscription plus 0.45% platform fee per year (subscription waived if you hold £5,000 or more in Cash ISA or Simple Saver; the first 3 months of the subscription are free for new customers).
- LISA has the same fee structure as S&S ISA.
- SIPP fees depend on the funds held: Moneybox's own funds cost 0.15% per year capped at £150/year; other funds cost 0.45% per year up to £100,000 and 0.15% above, with no subscription fee.
- Simple Saver pays 2.40% AER underlying; a conditional 1.00% reward lifts it to 3.40% when Moneybox's conditions are met.
NS&I / Premium Bonds
HM Treasury–backed prize-draw savings. Capital is 100% backed by HM Treasury (separate from FSCS); returns are variable monthly prize-fund payouts, not interest.
NS&I (Premium Bonds)
Verified 18 Aug 2026Key infoPremium Bonds4.35% AERFSCS100% HM Treasury backed — unlimited cover, separate from FSCS.Notes- Premium Bonds prize fund rate is 4.35% (variable) as of 18 August 2026 — the rate has moved several times in 2026 (3.60% → 3.30% → 4.35%).
- Odds of any one £1 bond winning a prize in a given month are 21,000 to 1 — improved from 23,000 to 1 earlier in the year.
- Minimum holding is £25 per purchase, maximum total holding is £50,000.
- Direct Saver and Income Bonds both pay 3.75% AER. Direct ISA pays 3.80% AER.
- All NS&I products are 100% backed by HM Treasury — capital is protected without limit (separate from FSCS deposit protection).
Investing platforms (SIPP / S&S ISA / LISA)
Platforms for investing in funds, ETFs, and shares — inside SIPP, S&S ISA, and LISA wrappers. Fees are platform charges, not fund charges.
Vanguard UK
Verified 18 Aug 2026Key infoSIPP fee0.15% (capped £375/yr)S&S ISA fee0.15% (capped £375/yr)LISA fee0.15% (capped £375/yr)General Investment Account charge0.15% (capped £375/yr)S&S ISA cash (via MMF)3.10% AERSIPP cash (via MMF)3.10% AERLISA cash (via MMF)3.10% AERGeneral Investment Account cash (via MMF)3.10% AERFSCSInvestments covered under FSCS investment scheme (£85,000 per authorised firm). Uninvested cash held in Sterling Short-Term MMF — fund units, not deposit-protected; the £85,000 investment cover applies.Notes- Platform fee is 0.15% per year, capped at £375/year for portfolios above £32,000.
- For portfolios below £32,000, a flat fee of £4/month applies.
- Single fee covers SIPP, ISA, and JISA accounts combined.
Interactive Investor · Core
Verified 18 Aug 2026Key infoSIPP fee£5.99/monthS&S ISA fee£5.99/monthNotes- II Core plan fee is £5.99/month flat, covering ISA, SIPP, and GIA accounts.
- Portfolio cap is under £100,000.
- Plan launched on 1 February 2026.
Interactive Investor · Plus
Verified 18 Aug 2026Key infoSIPP fee£14.99/monthS&S ISA fee£14.99/monthGeneral Investment Account charge£14.99/monthNotes- II Plus plan fee is £14.99/month flat, covering ISA, SIPP, GIA, and JISAs for you and up to 5 family members.
- Includes 1 free trade per month.
Interactive Investor · Premium
Verified 18 Aug 2026Key infoSIPP fee£39.99/monthS&S ISA fee£39.99/monthGeneral Investment Account charge£39.99/monthNotes- II Premium plan fee is £39.99/month flat.
- Includes 2 free trades per month, free fund dealing, and access to ii360 research.
AJ Bell Dodl
Verified 18 Aug 2026Key infoSIPP fee0.15%S&S ISA fee0.15%LISA fee0.15%General Investment Account charge0.15%Notes- Platform fee is 0.15% per year with a £1/month minimum and no annual cap.
- App-based platform.
AJ Bell
Verified 18 Aug 2026Key infoSIPP fee0.25% to £250k, 0.10% to £500k · more tiers aboveS&S ISA fee0.25% to £250k, 0.10% to £500k · more tiers aboveLISA fee0.25% (capped £3500/yr)General Investment Account charge0.25% (capped £3500/yr)Notes- SIPP and S&S ISA fund fees are both tiered: 0.25% per year on balances up to £250,000, then 0.10% to £500,000, and 0% above £500,000.
- SIPP share-account fee is capped at £10/month (£120/year).
- ISA share-account fee is capped at £3.50/month (£42/year).
- Dealing fees are £1.50 for funds and £5.00 for shares (£3.50 for frequent traders).
Hargreaves Lansdown
Verified 18 Aug 2026Key infoSIPP fee0.35% to £250k, 0.25% to £1m · more tiers aboveS&S ISA fee0.35% to £250k, 0.25% to £1m · more tiers aboveLISA fee0.25% to £1m, 0.10% to £2m · more tiers aboveGeneral Investment Account charge0.35% to £250k, 0.25% to £1m · more tiers aboveS&S ISA cash1.31% AERSIPP cash2.02% AERLISA cash1.41% AERGeneral Investment Account cash1.06% AERFSCSInvestments covered under FSCS investment scheme (£85,000 per authorised firm). Uninvested cash held as deposits at partner banks — FSCS deposit cover applies (£120,000 from 1 Dec 2025) per partner.Notes- SIPP and S&S ISA fund fee is 0.35% per year on balances up to £250,000, then 0.25% to £1m, 0.10% to £2m, and 0% above £2m.
- Fund fee was cut from 0.45% to 0.35% on 1 March 2026.
- Share account fee is 0.35% per year, capped at £150 (raised from £45).
- LISA fee is 0.25% per year on funds up to £1m (0.10% from £1m to £2m, 0% above); LISA shares are charged 0.25% capped at £3.75/month — the fee is not a flat £45/year.
- Fund dealing costs £1.95 per trade; share dealing never costs more than £6.95 (£3.95 for accounts trading 20+ times per month).
- Uninvested cash rates are tiered by balance since 10 June 2026 — entry tiers are 1.31% (ISA), 2.02% (SIPP), 1.41% (LISA) and 1.06% (Fund & Share); larger balances earn more.
Fidelity Personal Investing
Verified 18 Aug 2026Key infoSIPP fee0.35% to £250k, 0.20% to £1m · more tiers aboveS&S ISA fee0.35% to £250k, 0.20% to £1m · more tiers aboveGeneral Investment Account charge0.35% to £250k, 0.20% to £1m · more tiers aboveNotes- Platform fee is 0.35% per year up to £250,000, 0.20% from £250,000 to £1m, and 0% above £1m — and the band applies to the whole balance, so a £250,000 portfolio pays 0.20% on the entire value (£500/year, per Fidelity's own worked example).
- Share, ETF, and Investment Trust fee is capped at £7.50/month (£90/year).
- For portfolios below £25,000 without a regular savings plan, a flat fee of £7.50/month applies instead of the percentage charge.
InvestEngine
Verified 18 Aug 2026Key infoS&S ISA feeFreeSIPP feeFreeGeneral Investment Account chargeFreeNotes- DIY ISA and DIY SIPP are free — zero platform fee.
- Managed portfolios charge 0.25% per year.
Tembo
Verified 18 Aug 2026Key infoLISA fee0.35%Notes- S&S LISA charges 0.35% platform fee per year, with no subscription fee.
- Additional fund-provider fee of 0.17% per year is charged separately by BlackRock.
Scottish Widows
Verified 2 May 2026Key infoWorkplace pension fee0.70%SIPP fee0.85%Notes- Workplace Annual Management Charge (AMC) is employer-negotiated and typically ranges from 0.30% to 0.75% per year (FCA-capped at 0.75%).
- 0.70% per year is representative of a mid-tier scheme.
Aviva
Verified 2 May 2026Key infoWorkplace pension fee0.65%SIPP fee0.80%Notes- My Future Vision is the default fund, featuring a private-markets glidepath since 2025.
- Annual Management Charge (AMC) is employer-negotiated and ranges from 0.30% to 0.75% per year (FCA-capped at 0.75%).
Standard Life
Verified 2 May 2026Key infoWorkplace pension fee0.70%SIPP fee0.90%Notes- Standard Life is part of Phoenix Group.
- Sustainable Multi-Asset is the primary default fund.
- Future Opportunities is a new private-markets default launched in Q1 2026 with a variable Annual Management Charge.
Royal London
Verified 2 May 2026Key infoWorkplace pension fee0.60%SIPP fee0.80%Notes- Royal London is a mutual organisation.
- Workplace Annual Management Charge (AMC) is employer-negotiated and typically ranges from 0.40% to 0.75% per year.
- Personal pension charges a tiered whole-pot AMC from 0.35% to 0.75% per year.
- Annual ProfitShare rebate is approximately 0.15% in recent years.
PensionBee
Verified 18 Aug 2026Key infoWorkplace pension fee0.50%SIPP fee0.50%Notes- PensionBee is a pension consolidation service.
- Plan Annual Management Charges on balances below £100,000: Tracker 0.50%, Preserve 0.50%, Global Leaders 0.70%, Climate 0.75%, 4Plus 0.85%, Shariah 0.95%.
- Fee is halved on the portion of your balance above £100,000.
- Tailored, Fossil Fuel Free, and Impact plans have been discontinued.
Workplace pension providers
Auto-enrolment and group pension providers. AMCs are typically employer-negotiated; figures here are representative defaults.
Aegon
Verified 2 May 2026Key infoWorkplace pension fee0.75%Notes- LifePath (TargetPlan) is the default fund with private-markets exposure added in 2026.
- Annual Management Charge (AMC) ranges from 0.40% to 0.75% per year depending on the scheme.
Legal & General
Verified 2 May 2026Key infoWorkplace pension fee0.50%Notes- WorkSave schemes typically charge 0.30% to 0.50% Annual Management Charge per year, capped at 0.75%.
- 0.50% per year is a representative figure for these schemes.
NEST
Verified 18 Aug 2026Key infoWorkplace pension fee0.30% aboveNotes- Annual Management Charge (AMC) is 0.3% per year.
- Contribution charge is 1.8% (charged upfront on contributions).
- Default fund for many auto-enrolled workers.
NOW: Pensions
Verified 18 Aug 2026Key infoWorkplace pension fee0.30%Notes- Flat admin fee is £2/month (£24/year), plus 0.3% Annual Management Charge per year.
- For small balances, the effective rate is higher due to the flat fee.
- Full admin charge is waived if it would reduce your pension pot below £100.
Smart Pension
Verified 2 May 2026Key infoWorkplace pension fee0.30%Notes- Smart Sustainable Growth is the default fund with 15% private-markets allocation since 2025.
- Annual Management Charge (AMC) is 0.30% per year.
- Flat fee is £1.75/month (waived for pension pots under £100).
The People's Pension
Verified 18 Aug 2026Key infoWorkplace pension fee0.50%Notes- Annual Management Charge (AMC) is 0.5% per year.
- Admin fee is £6.50/year.
- Tiered savings-reward rebate: 0.05% on pots above £3,000, 0.15% above £10,000, 0.25% above £25,000, and 0.30% above £50,000.
- Effective AMC drops to around 0.2% per year on large pension pots after rebates.
Advisory firms
Adviser-led firms where the headline fee bundles ongoing advice + product wrapper + fund cost. Typically 1.3% – 1.7% all-in for new business.
St. James's Place
Verified 18 Aug 2026Key infoSIPP fee1.67%S&S ISA fee1.59%Workplace pension fee1.40%FSCSInvestments covered under FSCS investment scheme (£85,000 per authorised firm).Notes- Restructured in August 2025 to 'Simple, Comparable Charging Structure' with unbundled fees.
- Platform fee is 0.27% for ISAs and 0.35% for pensions, tiered up to £500,000.
- Ongoing advice fee is 0.8% per year.
- Default fund (Polaris) charges approximately 0.49% to 0.52% per year.
- All-in total cost per SJP's own worked example is 1.59% per year for the ISA and 1.67% for the pension (the ISA product charge is 0.27% vs the pension's 0.35%).
- Exit charges were abolished on new investments from 26 August 2025; legacy clients may still be in exit charge periods.
True Potential
Verified 18 Aug 2026Key infoSIPP fee1.64%S&S ISA fee1.64%Notes- Platform fee is 0.40% per year.
- Typical fund charge is approximately 0.74% per year.
- Ongoing advice fee is 0.5% per year.
- True Potential's own £120,000 worked example totals £1,968 per year — 1.64% all-in with advice.
Quilter / Openwork
Verified 18 Aug 2026Key infoSIPP fee1.40%S&S ISA fee1.40%Notes- Quilter platform fee is tiered: 0.35% on the first £50,000, 0.25% from £50,000 to £250,000, 0.20% from £250,000 to £750,000, and 0.15% above £750,000.
- Adviser charge typically adds 0.5% to 1.0% per year.
- Default fund charges approximately 0.6% per year.
- Typical all-in cost with advice is approximately 1.3% to 1.5% per year.
Methodology & caveats
- Provider-of-truth, not aggregator-of-truth. Every URL above points to the provider’s own page. We don’t use comparison sites as primary sources because they go stale faster than the providers do.
- Representative figures. Workplace pension AMCs are employer-negotiated and vary per scheme — figures here are typical defaults, not guaranteed for any specific employer plan. Adviser firms (SJP, True Potential, Quilter / Openwork) have bundled fees that depend on the chosen products and fund mix.
- Promo vs standard rates. Several Cash ISAs carry 12-month new-customer bonuses that drop to a much lower standard rate after the bonus period. Where this is the case, the note above flags both rates.
- FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. vs MMFMoney-market fundA low-risk fund that holds short-term government and bank debt. Often used by S&S ISA platforms to pay interest on uninvested cash. Not FSCS-protected — held in fund units, not bank deposits.. Trading 212’s and Vanguard’s S&S ISA uninvested cash is held in a Money Market Fund — NOT a bank deposit. FSCS investment cover (£85,000) applies, not deposit cover. Cash ISAs from the same providers route through partner banks, which sit under FSCS deposit cover (£120,000 per eligible person per authorised firm from 1 December 2025).
- Always verify before you act. Feefee is illustrative comparison data — not personal financial advice or a recommendation. Rates change between our verifications and yours; always check the provider’s own page before opening or transferring an account.