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Our charges Clients pay for what they do, not what they are worth

HOW OUR CHARGES WORK

We charge flat fees for our platform services. These are made up of monthly Account fees to cover the basic ongoing cost to us of managing your clients’ Accounts, and charges for other services you may ask us to provide - buying and selling investments, for example.

Our current charges are summarised below. They may change in the future. For details on all of our charges, please read our Charges Guide for Advised Clients.

Standard Charging

  • Designed for clients looking to buy and hold or trade on an occasional basis only.
  • Includes four online trades a year (excluding online trading through our monthly online trading service or dividend reinvestment trades).

Inclusive Charging

  • Designed for clients expected to trade on a regular basis. This option is not available for our range of child Accounts.
  • Includes 35 online trades a year
  • Model Portfolio Service available through this option

STANDARD ACCOUNT CHARGES

Apart from child Accounts, these include four online trades a year (excluding online trading through our monthly online trading service or dividend reinvestment trades).

Account type Charge
ISA £30 a quarter
Investment Account £30 a quarter
SIPP at the ‘savings’ stage £252 a year (£210 plus VAT)
SIPP at the ‘income’ stage £342 a year (£285 plus VAT)
Junior ISA £10 a quarter
First Steps Investment Account £10 a quarter
Child SIPP £96 a year (£80 plus VAT)
Supplementary Account charges

If your client:

  • is a non-UK tax-resident or their permanent address is not in the UK; or
  • hold non-standard investments; or
  • have an account held by a corporate entity or trust,

they will also pay an Annual Supplementary Account charge to reflect the extra work and risk involved for us in looking after their Account in these circumstances. Details are in the Charges Guide for Advised Clients.

TRADING CHARGES

If more than the inclusive trades are needed, the most cost efficient way to trade is online.

Transaction type Charge to trade
Buy or sell online £9.99
Regular dividend reinvestment online £5.00
Regular buy using online monthly trading service £1.50
Buy or sell over the phone £50.00
Buy or sell by post £50.00
Regular buy instructed by post £5.00

TRADING DISCOUNTS

We offer loyalty discounts for trading online or over the phone. These begin to apply if your client continuously holds an Account with us for 5 years or more.

Held your Account for Buy and sell online Buy and sell over the phone
5-10 years £8.99 £45.00
11-15 years £8.49 £42.50
16-20 years £7.99 £40.00
More than 20 years £7.49 £37.50

Other service charges

Your clients Account charge covers the cost of many other Services we provide. But where Services are more complicated and can take up a lot of our time without any realistic prospect of covering costs through your clients Account charge (transferring investments out is a good example of this), we do ask your client to pay for those. We charge seperately for:

  • transferring investments in to Accounts, in some specific circumstances
  • transferring investments out of Accounts, in most circumstances
  • issuing paper documents
  • for some other one-off events, including implementing a pension sharing order on divorce, or taking an ‘uncrystallised funds pension lump sum’ from your clients SIPP

That goes back to our flat fees philosophy. Your client covers the cost of the Services they use. It's only fair.

Transferring in and out
Transferring investments in from a maturing share scheme £15 per investment
Transfer in of any pension that contains “safeguarded benefits” in excess of £30,000. Safeguarded benefits include Defined Benefit pensions (sometimes referred to as final salary or career average schemes) and pensions with guaranteed annuity rates (GARS). Alliance Trust Savings only accepts these transfers where financial advice has been given by a Financial Adviser, with the required regulatory permissions and who has advised that the transfer is in your clients best interests. We do not accept transfers in respect of “insistent clients”. £150 plus VAT
Issuing paper documents
All paper documents including statements and valuations, contract notes and tax certificates (if appropriate)* £25 plus VAT
A one-off valuation £10 plus VAT
A paper duplicate of any document we have already issued to you, either online or in paper form £15 plus VAT
Other one-off events
Valuing your Account and making future arrangements for it following your death £200 plus VAT per Account
Implementing a ‘Sharing Order’ following a divorce (only applicable to SIPP Accounts) £200 plus VAT per Account
For ISAs and Junior ISAs only, ‘repairing’ or ‘voiding’ your ISA when required under HMRC rules £100 plus VAT per Account
Writing to a third party (a mortgage provider for example) to confirm the value of your Account £30 plus VAT per letter
Making a one-off cash payment to you using CHAPS (we don’t charge for payments by BACS) £20 per payment
Make a one-off ‘uncrystallised funds pension lump sum’ (UFPLS) £40 plus VAT
Sending any money (for example, a late payment from your employer or any late income from your investments) to a receiving pension scheme after your Account has closed £50 plus VAT

* This charge will be taken from the fees Account by deducting £12.50 + VAT twice a year when your statement is produced, and will be taken in the following order – General Investment Account, SIPP, Stocks and Shares ISA. If you hold multiple Accounts you will only be charged for one Account. We will not allocate this charge to a child Account (Junior ISA, First Steps or Child SIPP Accounts). You can choose to receive all your documents online free of charge.

Details are in the Charges Guide for Advised Clients.

INCLUSIVE CHARGING OPTION

Designed for clients expected to trade on a regular basis. This option isn’t available for our range of child Accounts.

These all include 35 online trades a year.

Transaction type Charge to trade
ISA £225 a year
Investment Account £225 a year
SIPP at the ‘savings’ stage £350 a year
SIPP at the ‘income’ stage £440 a year
Supplementary account charges

If your client:

  • is a non-UK tax-resident or their permanent address is not in the UK; or
  • hold non-standard investments or
  • have an account held by a corporate entity or trust

They will also pay an Annual Supplementary Account charge to reflect the extra work and risk involved for us in looking after their account in these circumstances. Details are in the Charges Guide for Advised Clients.

As for the standard charging option, a supplementary account charge will also apply to your client in any of the circumstances described. Details are in the Charges Guide.

We do not charge for regular online buys or dividend reinvestments under the inclusive charging option. And no loyalty discount is available.

Transaction type Charge to trade
Buy or sell online, once inclusive trades are used £6.25
Buy or sell over the phone £50.00
Buy or sell by post £50.00

MODEL PORTFOLIO SERVICE CHARGE

For clients investing through our range of DFM partner risk-rated model portfolios, this is available as an add on to the inclusive charging option. A yearly charge of £120 lets your client access as many model portfolios as required and there are no additional charges for regular rebalancing trades.

Other service charges

Your clients Account charge covers the cost of many other Services we provide. But where Services are more complicated and can take up a lot of our time without any realistic prospect of covering costs through your clients Account charge (transferring investments out is a good example of this), we do ask your client to pay for those. We charge seperately for:

  • transferring investments in to Accounts, in some specific circumstances
  • transferring investments out of Accounts, in most circumstances
  • issuing paper documents
  • for some other one-off events, including implementing a pension sharing order on divorce, or taking an ‘uncrystallised funds pension lump sum’ from your clients SIPP

That goes back to our flat fees philosophy. Your client covers the cost of the Services they use. It's only fair.

Transferring in and out
Transferring investments in from a maturing share scheme £15 per investment
Transfer in of any pension that contains “safeguarded benefits” in excess of £30,000. Safeguarded benefits include defined benefit pensions (sometimes referred to as final salary or career average schemes) and pensions with guaranteed annuity rates (GARS). Alliance Trust Savings only accepts these transfers where financial advice has been given by a Financial Adviser, with the required regulatory permissions and who has advised that the transfer is in your clients best interests. We do not accept transfers in respect of “insistent clients”. £150 plus VAT
Issuing paper documents
All paper documents including statements and valuations, contract notes and tax certificates (if appropriate)* £25 plus VAT
A one-off valuation £10 plus VAT
A paper duplicate of any document we have already issued to you, either online or in paper form £15 plus VAT
Other one-off events
Valuing your Account and making future arrangements for it following your death £200 plus VAT per Account
Implementing a ‘Sharing Order’ following a divorce (only applicable to SIPP Accounts) £200 plus VAT per Account
For ISAs and Junior ISAs only, ‘repairing’ or ‘voiding’ your ISA when required under HMRC rules £100 plus VAT per Account
Writing to a third party (a mortgage provider for example) to confirm the value of your Account £30 plus VAT per letter
Making a one-off cash payment to you using CHAPS (we don’t charge for payments by BACS) £20 per payment
Make a one-off ‘uncrystallised funds pension lump sum’ (UFPLS) £40 plus VAT
Sending any money (for example, a late payment from your employer or any late income from your investments) to a receiving pension scheme after your Account has closed £50 plus VAT

* This charge will be taken from the fees Account by deducting £12.50 + VAT twice a year when your statement is produced, and will be taken in the following order – General Investment Account, SIPP, Stocks and Shares ISA. If you hold multiple Accounts you will only be charged for one Account. We will not allocate this charge to a child Account (Junior ISA, First Steps or Child SIPP Accounts). You can choose to receive all your documents online free of charge.

Details are in the Charges Guide for Advised Clients.

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