Thinking of investing with AJ Bell in 2025? Make sure you know the costs first. Understanding AJ Bell fees and charges, and inactivity costs is important to manage your investments wisely. This guide gives you a full breakdown of what you will pay in 2025, covering everything from account fees to dealing costs and exit charges.
We will also share tips on reducing these fees and getting the most value from your account. Whether you are using an ISA, SIPP, or a GIA, this guide helps you stay informed and control your money on AJ Bell.
Preferring a UK commission-free platform instead? Explore our Freetrade broker review to see how it compares to AJ Bell for zero-fee Stock and ETF investing.
Comprehensive breakdown of AJ Bell platform fees in 2025
AJ Bell continues to attract investors with its straightforward, competitive fee structure. Here is a complete look at what you can expect to pay when investing with the AJ Bell platform fees in 2025:
| Fee types | Details |
|---|---|
| Annual platform charge | 0.15% of your investment value |
| Minimum monthly fee | £1.00 |
| Fees deduction method | Deducted monthly from your account balance |
| Monthly fee for £10,000 investment | £1.25 |
| Annual fee for £10,000 investment | £15.00 |
| Share account charge | 0.25% of the value of your shares, Maximum £3.50 per month |
| Funds account charges for the first £250,000 | 0.25% on the first £250,000 |
| Funds account charge from £250,000 to £500,000 | 0.10% |
| Funds account charge (over £500,000) | No charge |
This 0.15% flat rate applies across all account types, including investment ISA, lifetime ISA, pension (SIPP), and General Investment Account (GIA). Additional separate charges are applied for holding shares or funds within these accounts.
Understanding AJ Bell trading fees and inactivity charges
The table below breaks down the AJ Bell trading costs across different services, including Share and Fund dealing, Forex charges, and inactivity fees. Here is a more detailed look at the AJ Bell trading fees:
| Fee types | Details |
|---|---|
| Shares dealing charges | £5.00 per trade |
| Frequent share dealing | £3.50 per trade if 10+ trades in the previous month |
| Fund dealing charges | £1.50 per trade |
| Foreign Exchange (FX) charges | 0.75% on first £10,000 |
| 0.50% on next £10,000 | |
| 0.25% on amounts over £20,000 | |
| Dividend reinvestment | £1.50 per transaction |
| AJ Bell inactivity fee | No fee |
| Dealing by telephone | £25 per transaction |
| AJ Bell investment costs | £1.50 per transaction |
| Stamp duty for UK Shares | 0.50% of the value of the shares, deducted at the time of purchase |
| PTM levy for UK Shares | £1.50 government charge for any UK shares transaction over £10,000 |
Other charges of AJ Bell
This table outlines the free services available, such as opening and closing accounts, as well as transferring and withdrawing funds. It also includes other charges for specific services, like paper application form completion.
| Services | Details |
|---|---|
| Opening an account | Free |
| Transferring in/out | Free |
| Holding cash | Free |
| Withdrawing money | Free – except for some restrictions on Lifetime ISAs |
| Closing your account | Free |
| Paper application form completion | £100 |
| Transfer the account to another provider | Free |
AJ Bell exit fees: What investors need to know
- AJ Bell doesn’t charge a direct exit fee for simply closing an account, but there are fees for transferring investments or closing an account after a certain period.
- When transferring your account to another provider, exit fees may apply depending on the account type.
- These fees may apply to accounts like Stocks and Shares ISAs, General Investment Accounts (GIA), Self-Invested Personal Pensions (SIPP), and Junior ISAs.
- Each account type has its own fee structure and terms, so it is important to check the specific details for your account to understand any potential AJ Bell exit fees.
- To close your account, you must first sell or transfer your investments. There is a £5 charge per holding if you need to sell investments to cover fees, and transferring investments to another provider can cost between £25 and £75.
- A £75 account closure fee applies only to AJ Bell SIPPs. Other account types, like ISAs and GIA, do not have a closure fee.
- Withdrawals from an ISA and payments into the account are free. For a comparison of deposit and withdrawal methods across brokers, check out our guide on how to deposit and withdraw funds from Fusion Markets for more insights on the process.
- However, for Lifetime ISAs, a 25% government withdrawal charge applies if you take money out before age 60, unless it is for your first home.
How to minimize AJ Bell fees and maximize returns
Here are 8 key strategies in sentence form to minimize AJ Bell fees 2025 and maximize returns:
- Pick funds instead of Shares because fund trades cost just £1.50, while Share trades cost £5 each.
- Set up a regular investment plan, it is only £1.50 per trade and helps spread your money over time.
- Keep shares in ISAs or GIAs to benefit from the £3.50/month platform fee cap, and try to consolidate your holdings to manage fees more efficiently.
- Be careful with currency conversions, AJ Bell charges 0.75% on the first £10,000, so it is better to limit Forex.
- Always trade online because it is £5 per trade, while phone trades cost a high £25 each.
- Hold your investments long-term, there is no inactivity fee, and trading less means you pay fewer charges.
- If you hold a SIPP, closing it after 12 months may incur a £75 fee. Selling investments outside of regular plans costs £5 per holding.
- Take advantage of free services like opening accounts, transferring money, and withdrawing cash to avoid extra costs.
AJ Bell customer support
Need help? Start by checking the FAQs, where you will find answers to the most common questions. If you need further assistance, the customer support team is for you:
- Support hours: Monday to Friday: 8:00 AM – 7:00 PM / Saturday: 10:00 AM – 2:00 PM
- Phone support: 0345 54 32 600
- Email support: help@ajbell.co.uk
- Live chat: Use the live chat feature on the website for quick and convenient support.
Conclusion
In 2025, AJ Bell remains a strong choice for investors due to its clear and competitive AJ Bell charges and rates. By understanding the platform’s fees, such as the annual platform charge, trading costs, and potential exit fees, you can make smarter investment decisions and keep costs under control. AJ Bell offers low-cost options like funds and regular investment plans, along with free services for account opening, transfers, and cash withdrawals.
By staying informed and choosing the right strategies, you can maximize your returns while minimizing fees. If you are looking for a transparent, cost-effective broker with solid customer support, AJ Bell is an excellent option to consider for your 2025 investment plans.
Pro Tip
Set up regular monthly investments on AJ Bell to reduce the impact of market ups and downs. If you’re searching for our best Forex broker platform, stay informed about the latest trends in CFDs, Forex, Stocks, and Cryptocurrencies. Our platform offers expert insights and a broker finder tool to help guide your trading decisions and set you on the path to financial success. Share your thoughts with us in the comments below!
