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Our Fees

Effective from January 01, 2023.

Please see more information about the current Fees here.

Stock Investment Fees

Individual Savings Account (ISA)/General Investment Account (GIA) Fees

Self-Invested Personal Pension (SIPP) Fees

Individual Savings Account (ISA)/General Investment Account (GIA) Fees

  1. Plum’s fees

    A monthly subscription fee of £2.99 (or other depending on your Plum subscription plan) for access to the Plum ISA/GIA.

    For GIA, the below only applies to funds held in a GIA. In the event you hold stocks in the Plum GIA the below fees are not applicable. For Fees for stocks held in a Plum GIA, please refer to the above section, ‘Stock Investment Fees’.

  2. Management Fee

    An annual management fee is equal to 0.45% of the value of each of your ISA/GIA Platform Products. The fee is broken down as follows: 0.35% is the Plum ongoing administration charge and 0.10% is for the provision of custody services, levied by our custody provider.

  3. Basis of calculation

    The management fee for the Plum ISA/GIA is calculated daily and charged at the end of each month on the value of the investments held in each of your funds. .Any fees charged will be debited from your Plum Account.

  4. Fund Manager Fee

    An annual fund fee ranging between 0.13% - 0.88% of the value of the fund. The fee is set by the provider of the Fund Manager (e.g. Vanguard) depending on the type of fund selected. For more details regarding the fund charges, please refer to the Key Investor Information Document ("KIID") for the relevant fund. You should read this document to make sure you are comfortable that it is right for you, including the fees that will apply.

  5. Other Activity based and Administration Charges

    No administration, dealing or other activity based charges are payable to Plum except that there is a one-off administration charge of £25 per line of stock for an in-specie transfer of the investments in your GIA/ISAPlatform Product to another provider.

    Annual Cost - Example of fees

    This example shows the yearly total fees at different levels of investment.

    Total Investment Balance Annualised Monthly Fee*
    (£2.99 / month or as per your plan eligibility)
    Management Fee = (0.45% of assets)
    Fund Manager Fee** = (for basic funds - 0.22%)
    Fee per year
    £500 £35.88 Management Fee = £2.25
    Fund Manager Fee = £1.10
    £39.23
    £1,000 £35.88 Management Fee = £4.50
    Fund Manager Fee = £2.20
    £42.58
    £5,000 £35.88 Management Fee = £22.50
    Fund Manager Fee = £11.00
    £69.38

    *Monthly Fee can differ depending on the Plum subscription plan

    **Fund Manager Fee can differ depending on on the choice of fund

SIPP FEES

  1. Management Fee

    An annual management fee is equal to 0.45% of the value of each of your SIPP Platform Product. The fee is broken down as follows: 0.35% is the Product Provider ongoing administration charge and 0.10% is for the provision of custody services, levied by our custody provider.

  2. Basis of calculation

    The management fee for the Plum SIPP is calculated daily and charged at the end of each month on the value of the investments held in your fund. Any fees charged will be debited from your Plum Account.

    If for any reason this is not possible then the Plum Investment Terms and Conditions provide for payment of the fee by other methods.

  3. Fund Manager Fee

    The fund manager of the funds you choose for your Plum SIPP will charge a fee for managing the fund. For more details regarding the fund charges, please refer to the Key Investor Information Document ("KIID") for the relevant fund. You should read this document to make sure you are comfortable that it is right for you, including the fees that will apply.

    Annual Cost - Example of fees

    This example shows the yearly total fees at different levels of investment.

    Total Investment Balance Management Fee = (0.45% of assets)
    Fund Manager Fee*** = (for basic funds - 0.22%)
    Fee per Year
    £500 Management Fee = £2.25
    Fund Manager Fee = £1.10
    £3.35
    £1,000 Management Fee = £4.50
    Fund Manager Fee = £2.20
    £6.75
    £5,000 Management Fee = £22.50
    Fund Manager Fee = £11.00
    £33.50

    ***Fund Manager Fee can differ depending on on the choice of fund