Assumptions
What this page models
- £100,000 current balance
- Investment type set to mixed, so £50,000 in funds and £50,000 in shares or ETFs
- No monthly contribution, so no regular dealing is modelled
- No US-stock FX assumption
At £100,000 the gap between percentage and flat platform fees becomes hard to ignore. A 0.15% charge is £150 a year and a 0.25% charge is £250 a year at this size, while a fixed subscription stays the same whether the account holds £20,000 or £200,000. This is the portfolio size where flat-fee platforms usually take over the top of the ranking.
Barclays and iWeb both model at £0/year here before product costs and market costs; Barclays appears first because it now lists no customer fee and this scenario models no trades. Add regular dealing, FX, or different holdings in the calculator and the ranking can change. The model includes platform, online dealing, and FX fees where relevant, and excludes fund ongoing charges, bid-offer spreads, stamp duty where applicable, and any market movement.
Educational fee comparison only. This is not financial advice, tax advice, or a recommendation to use any provider. Fees, eligibility, investment access, and promotions change; verify the current provider fee schedule before opening or transferring an ISA.