The cost for an ISA is made up of two separate charges. How much an ISA with us costs will depend on the choices you make.
There is the ‘total fund charge’. This is what the fund manager charges you each year for investing in a specific fund.
Then there’s the ‘platform charge’. This is the cost for the services Standard Life provides you.
Both of these charges combined is called your ‘overall charge’ and is the amount you will pay each year to have an ISA with us.
With our ISA you are automatically set up with three cash accounts. We may pay an interest rate on the cash held in these accounts. We apply a cash management administration charge (CMAC) for the administration of the cash held in these accounts too. Different interest rates and CMACs may apply to each account. View more information on interest rates and CMAC.
If you’re thinking about picking our Easy investment option, you can learn more about the different fund costs by using our tool:
Select a value for your ISA to see an example of your yearly charges.
Information correct as at 31/12/2020
Charges are not guaranteed and may change in the future.
The above table provides estimates of the typical charges applicable over a year. The calculation assumes a static value throughout the year, and doesn’t take into account any changes of value driven by fund performance, other contributions, etc. In practice, charges will vary as the fund value varies.
When calculating the yearly charge, fund charges are applied daily and platform charges are applied monthly.
The daily charge is calculated as the daily equivalent of the yearly charge.
Values are rounded up to two decimal places for display purposes.
If you’re thinking about opening an ISA with us and going for the DIY investment option, you can use our fund filter tool to take a look at different funds and their charges.
If you're looking for some more detailed information on our ISA, take a look at the following documents:
You can log in to look at the funds your ISA is invested in, and make changes to your plan at any time.
Our help page should have the answer you're looking for.
With our savings tools you can get a better idea of whether or not your finances are on track and even see how much your ISA could be worth in the future.
With our savings tools you can get a better idea of whether or not your finances are on track and even see how much your ISA could be worth in the future.