Personal Finance

Interactive Investor fees and investment costs - UK guide 2026

Emma-Jane Stogdon

07.01.26

Read time 3 minutes

Considering signing up with Interactive Investor? It’s a popular investment platform here in the UK, offering a wide range of products including Stocks and Shares ISAs, personal pensions and general trading accounts.

Before you can start investing, you’ll need to know about Interactive Investor’s fees and investment costs. This can help you compare it to other providers and make sure you’re getting the best deal. After all, fees can eat into your investment returns.

We’ll run through all costs below, including account fees, FX charges, dealing costs, withdrawal fees and more.

We’ll also show you how to minimise or avoid them altogether, using multi-currency solutions such as Wise.

➡️ Learn more about the Wise account

When investing, your capital is at risk. The value of your investments can go down as well as up and you may get back less than you put in. Tax treatment depends on your individual circumstances and may be subject to future change. The content of this article is provided for informational purposes only and is not intended to be, nor does it constitute, any form of personal advice.

Investments in a currency other than GBP are exposed to currency exchange risk. Currency exchange rates are constantly changing, which may affect the value of the investment in GBP terms. You could lose money in GBP even if the stock price rises in the currency of origin. Stocks listed on overseas exchanges may be subject to additional dealing and exchange rate charges, and may have other tax implications, and may not provide the same, or any, regulatory protection as in the UK.

Interactive Investor fees

First, let’s take a look at the different fees.

Account fees

The pricing structure at Interactive Investor is reasonably straightforward, with fees set according to account type and investment value.

Here are the main Interactive Investor account fees you need to know about:¹

Account	Invest up to £50,000	Unlimited investments
ISA and/or Trading Account	£4.99/month	£11.99/month
Self Invested Personal Pension (SIPP)	£5.99/month	£12.99/month
ISA and/or Trading Account + SIPP	£9.99/month	£21.99/month

All fees correct at time of writing.

These are the current account fees for Interactive Investor, but the platform will be launching a new pricing model in February 2026. This means the prices will change - we’ll look at this in more detail below.

Trading fees

Like some other investment platforms, Interactive Investor charges trading fees every time you buy or sell shares.

Here’s how much you’ll pay per transaction:¹

UK and US shares, funds, ETFs, bonds and gilts - £3.99
Other international shares - £5.99 to £9.99.

Foreign exchange fees

Interactive Investor charges foreign exchange (FX) fees when you trade overseas stock. This is for converting the share price into GBP.

This charge varies depending on the value of the transaction:¹

Transaction value	FX fee
£0 to £24,999.99	1.5%
£25,000 to £49,999.99	1.25%
£50,000 to £99,999.99	1%
£100,000 to £599,999.99	0.50%
£600,000+	0.25%

All fees correct at time of writing.

Interactive Investor fees - new for 2026

Account fees

New for 2026, Interactive Investor has three simplified pricing plans available:²

Plan	Fee	Portfolio limit
Core	£5.99/month	£100,000
Plus	£14.99/month	Unlimited
Premium	£39.99/month	Unlimited

All fees correct at time of writing.

The higher the tier, the more features you get, along with increased limits, lower fees, better FX rates and more free trades.

Trading fees

The new pricing plan for the platform also makes changes to trading fees. Previously set at flat rates, there are now different trade costs for each plan:²

Plan	Funds	UK and US shares	Other international shares
Core	£3.99/trade	£3.99/trade	£9.99/trade
Plus	£1.49/trade	£3.99/trade	£7.99/trade
Premium	Free	£2.99/trade	£5.99/trade

All fees correct at time of writing.

Foreign exchange fees

Interactive Investor charges foreign exchange (FX) fees when you trade overseas stock. This is for converting the share price into GBP.

This charge varies depending on your plan:²

Plan	FX fee
Core	0.75%
Plus	0.75% on up to £50,000 0.25% on £50,000+
Premium	0.25%

All fees correct at time of writing.

Does Interactive Investor charge withdrawal fees?

No, Interactive Investor doesn’t charge fees for withdrawing your money in GBP or EUR.

However, there is a £15 fee for withdrawals in other currencies, and a separate £15 fee for express withdrawals if you need your money in a hurry.³

Why a Wise account is a must-have for global investors

When trading on overseas markets, the FX fees charged by investment platforms can soon add up - and start eating into your returns.

There is a solution though - you can use Wise to avoid or minimise foreign exchange fees when investing.

Open a Wise account and you can access local account details in USD, EUR, GBP, AUD and more. This means you can hold funds in your chosen currency until you’re ready to invest, then use your Wise account to fund your transaction on Interactive Investor or your chosen investment platform.

You can even set up exchange rate alerts so that you can wait for the time and the rate that suits you.

💹 Set up rate alerts

To convert currencies within Wise, you’re guaranteed mid-market exchange rates and low, transparent fees starting from just 0.33%*.

This gives you full control over FX, and could end up saving you money.

➡️ Learn more about the Wise account

Sources used:

1. Interactive Investor - fees & charges
2. Interactive Investor - updated 2026 fees
3. Interactive Investor - withdrawal fees

Sources last checked 16-Dec-2025

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.