interactive investor Review 2026
interactive investor is the UK's main flat-fee platform: you pay a fixed monthly subscription rather than a percentage of your portfolio. That makes it expensive for a small pot and progressively cheaper as the portfolio grows, with the crossover against percentage-fee rivals typically falling somewhere in the low tens of thousands of pounds.
Reviewed by Yaniv Barshaf, CPA · Fees verified August 2026 · Our methodology
Disclosure: FeesWizard may earn a commission if you open an account through links on this page. This never affects our fee data or rankings — how we make money.
Our verdict on interactive investor
interactive investor: Flat monthly fee — the cheapest option for large portfolios.
Visit the interactive investor website →We earn no commission from interactive investor.
Fees
- stock Commission: £3.99 per UK share trade (£2.99 on Premium); funds £3.99 on Core, £1.49 on Plus, free on Premium
- withdrawal: Free to a linked UK bank account
- inactivity: None
- conversion: 0.75% FX charge (Core); 0.75% on the first £50,000 then 0.25% (Plus); 0.25% (Premium)
- spread: Flat monthly fee: Core £5.99 (portfolios to £100,000), Plus £14.99, Premium £39.99 — no percentage-of-portfolio charge
Wondering how your money is protected? Read what happens if a broker goes bust →
Our interactive investor score: 3.3/5
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)24/100
Averages 0.57% 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 none; 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
interactive investor
Pros
- +Flat fee means the charge stops growing with your portfolio
- +One or two free trades a month included on Plus and Premium
- +ISA, SIPP and trading account all covered by one subscription
- +Long-established, FSCS-protected UK platform
Cons
- −Expensive for small portfolios — a £5,000 pot pays over 1.4% a year on Core
- −Core plan is limited to portfolios up to £100,000
- −0.75% FX charge on the entry plan is high
interactive investor
Flat monthly fee — the cheapest option for large portfolios
Visit the interactive investor website →We earn no commission from interactive investor. It is listed here because a fee comparison that leaves out the market leaders is not a fee comparison.
interactive investor vs alternatives
| Feature | interactive investor | Lightyear | InvestEngine |
|---|---|---|---|
| Rating | 3.3 / 5 | 5 / 5 | 4.6 / 5 |
| Stock commission | £3.99 per UK share trade (£2.99 on Premium); funds £3.99 on Core, £1.49 on Plus, free on Premium | 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 | $0 | $0 | $100 |
| Fractional shares | No | Yes | Yes |
| Demo account | No | No | No |
| Regulators | FCA | FCA, EFSA | FCA |
Frequently Asked Questions
Is interactive investor safe and legit?
interactive investor is regulated by FCA and has operated since 1995. All investing carries risk of loss.
What are interactive investor's fees?
Stock commission: £3.99 per UK share trade (£2.99 on Premium); funds £3.99 on Core, £1.49 on Plus, free on Premium. Withdrawal: Free to a linked UK bank account. Inactivity: None.
What is the minimum deposit for interactive investor?
The minimum deposit is $0.
interactive investor
Flat monthly fee — the cheapest option for large portfolios
Visit the interactive investor website →We earn no commission from interactive investor. It is listed here because a fee comparison that leaves out the market leaders is not a fee comparison.