Platform heatmaps
A visual guide to investment platform charges
Platform heatmaps are visual tools used to compare the fees and charges of different investment platforms. They use colour-coding to show at a glance which platforms are the most and least expensive.
Typically, heatmaps show fees for different types of accounts, such as ISAs and SIPPs, as well as fees for different types of investments, such as funds and shares. This makes it easy for investors to compare costs between platforms and choose the one that best suits their needs.
Platform heatmaps can be an invaluable tool for anyone looking to invest in a DIY investment platform, as they provide a clear and simple way to compare fees and charges.
Heatmap legend
Low fees
Mid fees
High fees
Portfolio with 100% in ISAs
| £50,000 | £100,000 | £250,000 | £500,000 | £1m | £2m | |
| 7IM | 0.30% | 0.30% | 0.30% | 0.30% | 0.27% | 0.21% |
| abrdn Elevate | 0.30% | 0.30% | 0.25% | 0.25% | 0.20% | 0.20% |
| abrdn Wrap | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| abrdn Wrap Tiered (Adviser £75m+) | 0.35% | 0.35% | 0.35% | 0.30% | 0.25% | 0.17% |
| Aegon ARC | 0.58% | 0.54% | 0.49% | 0.24% | 0.12% | 0.06% |
| Aegon Platform (Cofunds) | 0.29% | 0.29% | 0.27% | 0.25% | 0.20% | 0.10% |
| AJ Bell Investcentre | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.16% |
| Aviva Platform | 0.25% | 0.25% | 0.25% | 0.23% | 0.19% | 0.17% |
| Credo Wealth | 0.25% | 0.25% | 0.25% | 0.25% | 0.23% | 0.19% |
| Digi | 0.35% | 0.35% | 0.35% | 0.35% | 0.30% | 0.20% |
| Fidelity Adviser Solutions | 0.34% | 0.30% | 0.27% | 0.26% | 0.25% | 0.25% |
| Fundment | 0.20% | 0.20% | 0.15% | 0.15% | 0.10% | 0.05% |
| James Hay | 0.25% | 0.25% | 0.25% | 0.23% | 0.19% | 0.11% |
| M&G Wealth | 0.36% | 0.30% | 0.30% | 0.30% | 0.30% | 0.20% |
| Morningstar Wealth | 0.25% | 0.25% | 0.25% | 0.23% | 0.19% | 0.14% |
| Multrees | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| Nucleus | 0.33% | 0.33% | 0.32% | 0.31% | 0.24% | 0.15% |
| P1 Platform | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.08% |
| Parmenion | 0.30% | 0.30% | 0.30% | 0.25% | 0.20% | 0.15% |
| Quilter | 0.35% | 0.30% | 0.27% | 0.23% | 0.20% | 0.18% |
| Raymond James (Semi Bundled) | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
| Raymond James (Tiered Bundled) | 0.60% | 0.30% | 0.30% | 0.30% | 0.27% | 0.21% |
| Raymond James (Unbundled) | 0.27% | 0.21% | 0.17% | 0.16% | 0.16% | 0.15% |
| Scottish Widows | 0.35% | 0.35% | 0.32% | 0.28% | 0.19% | 0.15% |
| SS&C Hubwise | 0.20% | 0.20% | 0.19% | 0.10% | 0.05% | 0.02% |
| Succession | 0.35% | 0.35% | 0.35% | 0.35% | 0.35% | 0.25% |
| Transact (Portfolios £100k+) | 0.28% | 0.27% | 0.26% | 0.26% | 0.23% | 0.16% |
| True Potential Investments | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% |
| Wealthtime | 0.47% | 0.38% | 0.33% | 0.32% | 0.26% | 0.18% |
| Average | 0.32% | 0.29% | 0.27% | 0.25% | 0.21% | 0.16% |
Portfolio with 50% in a Sipp and 25% in both GIA and ISAs
| £50,000 | £100,000 | £250,000 | £500,000 | £1m | £2m | |
| 7IM | 0.54% | 0.42% | 0.30% | 0.30% | 0.27% | 0.21% |
| abrdn Elevate | 0.30% | 0.30% | 0.25% | 0.25% | 0.20% | 0.20% |
| abrdn Wrap | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| abrdn Wrap Tiered (Adviser £75m+) | 0.35% | 0.35% | 0.35% | 0.30% | 0.25% | 0.17% |
| Aegon ARC | 0.58% | 0.54% | 0.49% | 0.24% | 0.12% | 0.06% |
| Aegon Platform (Cofunds) | 0.29% | 0.29% | 0.27% | 0.25% | 0.20% | 0.10% |
| AJ Bell Investcentre | 0.68% | 0.44% | 0.32% | 0.27% | 0.23% | 0.18% |
| Aviva Platform | 0.31% | 0.31% | 0.30% | 0.26% | 0.20% | 0.18% |
| Credo Wealth | 0.64% | 0.45% | 0.33% | 0.29% | 0.27% | 0.25% |
| Digi | 0.35% | 0.35% | 0.35% | 0.35% | 0.30% | 0.20% |
| Fidelity Adviser Solutions | 0.34% | 0.30% | 0.27% | 0.26% | 0.25% | 0.25% |
| Fundment | 0.20% | 0.20% | 0.15% | 0.15% | 0.10% | 0.05% |
| James Hay | 0.67% | 0.46% | 0.33% | 0.23% | 0.19% | 0.11% |
| M&G Wealth | 0.36% | 0.30% | 0.30% | 0.30% | 0.30% | 0.20% |
| Morningstar Wealth | 0.55% | 0.40% | 0.31% | 0.28% | 0.25% | 0.21% |
| Multrees | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| Nucleus | 0.33% | 0.33% | 0.32% | 0.31% | 0.24% | 0.15% |
| P1 Platform | 0.27% | 0.21% | 0.17% | 0.16% | 0.16% | 0.08% |
| Parmenion | 0.30% | 0.30% | 0.30% | 0.25% | 0.20% | 0.15% |
| Quilter | 0.35% | 0.30% | 0.27% | 0.23% | 0.20% | 0.18% |
| Raymond James (Semi Bundled) | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
| Raymond James (Tiered Bundled) | 0.60% | 0.30% | 0.30% | 0.30% | 0.27% | 0.21% |
| Raymond James (Unbundled) | 0.39% | 0.27% | 0.20% | 0.17% | 0.16% | 0.16% |
| Scottish Widows | 0.50% | 0.42% | 0.35% | 0.30% | 0.20% | 0.15% |
| SS&C Hubwise | 0.25% | 0.25% | 0.22% | 0.20% | 0.10% | 0.05% |
| Succession | 0.59% | 0.47% | 0.40% | 0.37% | 0.36% | 0.26% |
| Transact (Portfolios £100k+) | 0.44% | 0.35% | 0.30% | 0.28% | 0.23% | 0.16% |
| True Potential Investments | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% |
| Wealthtime | 0.80% | 0.55% | 0.40% | 0.35% | 0.28% | 0.19% |
| Average | 0.42% | 0.35% | 0.30% | 0.26% | 0.22% | 0.17% |
Portfolio with 100% in a Sipp
| £50,000 | £100,000 | £250,000 | £500,000 | £1m | £2m | |
| 7IM | 0.54% | 0.30% | 0.30% | 0.30% | 0.27% | 0.21% |
| abrdn Elevate | 0.30% | 0.30% | 0.25% | 0.25% | 0.20% | 0.20% |
| abrdn Wrap | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| abrdn Wrap Tiered (Adviser £75m+) | 0.35% | 0.35% | 0.35% | 0.30% | 0.25% | 0.17% |
| Aegon ARC | 0.58% | 0.54% | 0.49% | 0.24% | 0.12% | 0.06% |
| Aegon Platform (Cofunds) | 0.29% | 0.29% | 0.27% | 0.25% | 0.20% | 0.10% |
| AJ Bell Investcentre | 0.68% | 0.49% | 0.33% | 0.27% | 0.23% | 0.18% |
| Aviva Platform | 0.38% | 0.36% | 0.36% | 0.28% | 0.22% | 0.18% |
| Credo Wealth | 0.64% | 0.45% | 0.33% | 0.29% | 0.24% | 0.20% |
| Digi | 0.35% | 0.35% | 0.35% | 0.35% | 0.30% | 0.20% |
| Fidelity Adviser Solutions | 0.34% | 0.30% | 0.27% | 0.26% | 0.25% | 0.25% |
| Fundment | 0.20% | 0.20% | 0.15% | 0.15% | 0.10% | 0.05% |
| James Hay | 0.67% | 0.46% | 0.25% | 0.23% | 0.19% | 0.11% |
| M&G Wealth | 0.36% | 0.30% | 0.30% | 0.30% | 0.30% | 0.20% |
| Morningstar Wealth | 0.55% | 0.40% | 0.31% | 0.26% | 0.20% | 0.15% |
| Multrees | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| Nucleus | 0.33% | 0.33% | 0.32% | 0.31% | 0.24% | 0.15% |
| P1 Platform | 0.27% | 0.21% | 0.17% | 0.16% | 0.16% | 0.08% |
| Parmenion | 0.30% | 0.30% | 0.30% | 0.25% | 0.20% | 0.15% |
| Quilter | 0.35% | 0.30% | 0.27% | 0.23% | 0.20% | 0.18% |
| Raymond James (Semi Bundled) | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
| Raymond James (Tiered Bundled) | 0.60% | 0.30% | 0.30% | 0.30% | 0.27% | 0.21% |
| Raymond James (Unbundled) | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| Scottish Widows | 0.50% | 0.42% | 0.35% | 0.30% | 0.20% | 0.15% |
| SS&C Hubwise | 0.30% | 0.26% | 0.22% | 0.11% | 0.05% | 0.03% |
| Succession | 0.59% | 0.47% | 0.40% | 0.37% | 0.36% | 0.26% |
| Transact (Portfolios £100k+) | 0.42% | 0.34% | 0.29% | 0.28% | 0.23% | 0.16% |
| True Potential Investments | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% |
| Wealthtime | 0.47% | 0.38% | 0.33% | 0.32% | 0.26% | 0.18% |
| Average | 0.40% | 0.34% | 0.29% | 0.26% | 0.22% | 0.17% |
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