Interactive Investor Fees (2026) – ISA Charges & Platform Costs Explained
Interactive Investor uses a flat-fee pricing model. That can make it excellent value for larger portfolios and poor value for smaller ones. This page breaks down Interactive Investor's current ISA charges, trading fees and total platform costs so you can decide whether it actually makes financial sense for your portfolio size.
Interactive Investor Fee Structure Explained
Interactive Investor now uses three main price plans: Core, Plus and Premium. The key point is that pricing is based on a flat monthly subscription, not a percentage of your portfolio.
That means your cost does not rise in line with your portfolio in the same way it does on percentage-fee platforms. If your portfolio is small, that fixed fee is a drag. If your portfolio is larger, it can become very competitive.
Capital at risk. Investments can go down as well as up, and you may get back less than you invest. We may earn a commission from links on this page.
Interactive Investor Fees Breakdown
Here is the current Interactive Investor pricing structure for 2026.
| Plan | Monthly Fee | Portfolio Limit | Best For |
|---|---|---|---|
| Core | £5.99/month | Up to £100,000 | Most ISA investors |
| Plus | £14.99/month | No limit | Larger portfolios wanting extras |
| Premium | £39.99/month | No limit | Frequent traders / active investors |
| Fee Type | Core | Plus | Premium |
|---|---|---|---|
| Funds | £3.99 | £1.49 | Free |
| UK & US Shares (incl. ETFs & trusts) | £3.99 | £3.99 | £2.99 |
| Other International Shares | £9.99 | £7.99 | £5.99 |
| Monthly Free Trade | None | 1 free trade | 2 free trades |
| Regular Investing | Free | Free | Free |
| Dividend Reinvestment | £0.99 | £0.99 | £0.99 |
| FX Fee | 0.75% | 0.75% first £50k, then 0.25% | 0.25% |
| SIPP Admin | £2.50/month | Included | Included |
For most ISA investors, the real costs to pay attention to are the monthly plan fee, any trading charges, and the FX fee if you buy overseas shares. If you invest monthly through ii's regular investing service, that part is now free.
When Is Interactive Investor Good Value?
The Core plan costs £71.88 per year. That fixed cost becomes more attractive as your portfolio grows. Below is the effective cost at different portfolio sizes.
| Portfolio Size | Core Annual Cost | Effective % Cost | 0.25% Platform Cost | Verdict |
|---|---|---|---|---|
| £5,000 | £71.88 | 1.44% | £12.50 | ❌ Poor value |
| £10,000 | £71.88 | 0.72% | £25.00 | ❌ Still expensive |
| £25,000 | £71.88 | 0.29% | £62.50 | ➡️ Starting to make sense |
| £50,000 | £71.88 | 0.14% | £125.00 | ✓ Strong value |
| £100,000 | £71.88 | 0.07% | £250.00 | ✓ Excellent value |
Interactive Investor vs Percentage-Fee Platforms
This is the comparison that matters. Flat-fee platforms and percentage-fee platforms suit different portfolio sizes.
| Platform | Fee Model | £20,000 Portfolio | £100,000 Portfolio | Best For |
|---|---|---|---|---|
| Interactive Investor Core | £5.99/month flat | £71.88/year | £71.88/year | Larger portfolios |
| AJ Bell | 0.25%/year | £50/year | £250/year | Mid-size portfolios |
| Hargreaves Lansdown | 0.45%/year | £90/year | £450/year | Premium full-service investors |
| Trading 212 | 0% platform fee | £0 | £0 | Beginners / smaller balances |
That is why Interactive Investor is not a universal recommendation. It loses badly on cost against zero-fee platforms for small balances, but becomes much stronger once your ISA portfolio gets bigger and you want wider investment choice.
Capital at risk. Investments can go down as well as up, and you may get back less than you invest. We may earn a commission from links on this page.
Is Interactive Investor Good Value?
Our Verdict on Interactive Investor Fees
Interactive Investor is not the cheapest option for beginners or small portfolios. If you are starting with a few thousand pounds, the fixed monthly fee is too much friction.
But if you have a growing ISA portfolio and want access to shares, ETFs, funds, trusts and bonds on one platform, the picture changes. The Core plan is strong value by around £25,000–£50,000+, and excellent value for larger portfolios.
The real takeaway is simple: Interactive Investor is a portfolio-size decision. If your balance is small, go cheaper. If your balance is meaningful and you want a full-service platform, ii becomes far more compelling.