The value of your investment can go down as well as up and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.

How much does an ISA cost?

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.

Interest rates and charges for cash accounts

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. 

Easy option fund charges

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.

DIY option fund charges

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.

What do you get for your overall ISA charge?

  • A choice of investment options to suit you. Either pick our Easy option where the team at Aberdeen Standard Investments manage your investments for you. Or go for our DIY option where you can pick from the full range of thousands of funds 
  • You can take cash out of your ISA for free. But remember this could impact your potential returns and you won’t be able to reinvest the money you take out if you’ve used up your annual ISA allowance.
  • UK phone support. So you can get the answers to your questions when you need them
  • Online access. You’ll be able to manage your ISA online or on our app anywhere, anytime. This means you can check in on your plan as much as you like   
  • A Personal Portfolio. We will also set up a Personal Portfolio for you when we set up your ISA where you can invest any money over your annual ISA allowance  
  • Access to competitively priced funds. The Standard Life ISA is also competitively priced, with low charges. This means it could cost you less than you think to invest for the future. 

With no extra charges for:

  • Transferring in any other ISAs you have
  • Making changes to your payments
  • Any changes to your plan

Important information about our ISA

If you're looking for some more detailed information on our ISA, take a look at the following documents:

ISA key features (172KB)

Wrap services customer terms and conditions (614KB)

ISA and Personal Portfolio terms and conditions (535KB)

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Already with us?

You can log in to look at the funds your ISA is invested in, and make changes to your plan at any time.

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Got a question about our ISA?

Our help page should have the answer you're looking for.


Savings tools

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.


Explore savings

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.