Fidelity Review 2026
Fidelity Personal Investing charges a 0.35% service fee that tiers down above £250,000, with a flat £7.50 a month for accounts under £25,000 that have no regular savings plan. Its most useful feature for cost-conscious investors is the £90-a-year cap on the service fee for shares, ETFs and investment trusts held in an ISA or SIPP.
Reviewed by Yaniv Barshaf, CPA · Fees verified August 2026 · Our methodology
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Our verdict on Fidelity
Fidelity: Broad fund range with a capped charge on shares and ETFs.
Visit the Fidelity website →We earn no commission from Fidelity.
Fees
- stock Commission: £7.50 per online share, ETF or investment trust deal; £1.50 for regular savings plan trades and dividend reinvestment; funds free
- withdrawal: Free to a linked UK bank account
- inactivity: None
- conversion: Foreign exchange charge applies to overseas share dealing
- spread: Service fee 0.35% (0.20% from £250,000, nil above £1m); £7.50/month flat below £25,000 without a regular savings plan; capped at £90/year for shares and ETFs in an ISA or SIPP
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Our Fidelity score: 3.1/5
How this is calculated →Computed from the fee data on this page, not assigned by hand. Our commercial relationships are not an input.
- Cost (45% of the score)13/100
Averages 0.81% of the portfolio a year in charges across our three benchmark investors.
- Regulation & protection (20% of the score)75/100
Regulated by FCA. Tier-one regulators (FCA, BaFin, SEC and equivalents) carry the most weight.
- Market & account breadth (15% of the score)100/100
Covers 5 of the asset classes we price and 3 account types.
- Accessibility (10% of the score)70/100
Minimum deposit £25; no fractional shares; has mobile app.
- Fee transparency (10% of the score)100/100
Publishes a schedule complete enough to model every charge and charges no inactivity fee.
Pros and cons
Fidelity
Pros
- +Service fee on shares and ETFs capped at £90 a year in an ISA or SIPP
- +No dealing charge on funds
- +Very large fund range with in-house research
- +£1.50 dealing on regular savings plans and dividend reinvestment
Cons
- −£7.50 per share deal is one of the highest online dealing charges
- −Flat £7.50/month below £25,000 without a regular savings plan
- −0.35% fund charge is well above the cheapest platforms
Fidelity
Broad fund range with a capped charge on shares and ETFs
Visit the Fidelity website →We earn no commission from Fidelity. It is listed here because a fee comparison that leaves out the market leaders is not a fee comparison.
Fidelity vs alternatives
| Feature | Fidelity | Lightyear | InvestEngine |
|---|---|---|---|
| Rating | 3.1 / 5 | 5 / 5 | 4.6 / 5 |
| Stock commission | £7.50 per online share, ETF or investment trust deal; £1.50 for regular savings plan trades and dividend reinvestment; funds free | UK personal accounts (GIA and ISA): no execution fee on UK, US and European stocks or ETFs. EU accounts: GBP 1 per order on UK stocks, EUR 1 per order on EUR-denominated stocks, 0.1% on other European stocks, and 0.10% (min $0.10, max $1) on US stocks. ETFs are execution-fee-free on both. | £0 dealing commission on all ETFs (DIY portfolios); no platform fee |
| Withdrawal fee | Free to a linked UK bank account | Free by local bank transfer. USD wire payments are charged (up to $8.50 UK, $6.11 EU). | Free — no withdrawal fee |
| Inactivity fee | None | None | None |
| Min deposit | $25 | $0 | $100 |
| Fractional shares | No | Yes | Yes |
| Demo account | No | No | No |
| Regulators | FCA | FCA, EFSA | FCA |
Frequently Asked Questions
Is Fidelity safe and legit?
Fidelity is regulated by FCA and has operated since 1969. All investing carries risk of loss.
What are Fidelity's fees?
Stock commission: £7.50 per online share, ETF or investment trust deal; £1.50 for regular savings plan trades and dividend reinvestment; funds free. Withdrawal: Free to a linked UK bank account. Inactivity: None.
What is the minimum deposit for Fidelity?
The minimum deposit is $25.
Fidelity
Broad fund range with a capped charge on shares and ETFs
Visit the Fidelity website →We earn no commission from Fidelity. It is listed here because a fee comparison that leaves out the market leaders is not a fee comparison.