Flexible ISA filter

Flexible Stocks & Shares ISA fees

A fee comparison for investors who specifically need a flexible Stocks & Shares ISA, not just any ISA account.

Scenario page No advice, fees only Last checked

Assumptions

What this page models

  • £20,000 current balance
  • Mixed 50/50 investment type: half funds, half shares or ETFs
  • Flexible ISA providers only
  • No monthly contribution, so no annual trades or FX conversion are modelled

Flexible ISA status matters if you may withdraw and replace money during the same tax year without using extra allowance. Not every Stocks & Shares ISA is flexible, so comparing all providers together can produce a misleading shortlist.

Provider flexibility rules can change and may have operational limits. Verify the provider's current ISA terms before relying on flexibility for cash-flow planning.

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.

Open the balance in the calculator

Calculator-backed ranking

Estimated annual costs

Vanguard Self-managed ISA is currently the lowest-cost exact match in this model at £48.00 per year, before fund ongoing charges, market spreads, stamp duty, and any provider-specific extras. 4 providers need a holding substitution and are ranked after exact matches.

1. Vanguard

Self-managed ISA

Flexible ISA · Funds and ETFs, no individual shares

Estimated annual cost£48.00
Platform£48.00Trading£0.00FX£0.00

2. Freetrade

Standard

Flexible ISA · Funds, shares and ETFs

Estimated annual cost£59.88
Platform£59.88Trading£0.00FX£0.00

3. Freetrade

Plus

Flexible ISA · Funds, shares and ETFs

Estimated annual cost£119.88
Platform£119.88Trading£0.00FX£0.00

4. Trading 212

Needs substitution

Stocks and Shares ISA

Flexible ISA · Shares and ETFs, no funds

Estimated annual cost£0.00
Platform£0.00Trading£0.00FX£0.00
  • Fund holdings would need to use ETFs or another provider.
  • Trading 212 does not support open-ended funds. This only makes sense if your fund allocation would become ETFs.

5. XTB

Needs substitution

Flexible Stocks and Shares ISA

Flexible ISA · Shares and ETFs, no funds

Estimated annual cost£0.00
Platform£0.00Trading£0.00FX£0.00
  • Fund holdings would need to use ETFs or another provider.
  • XTB does not support open-ended funds in this model. This only fits if your fund allocation would become ETFs.