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Share Brokerage Account Fees, Rates and Charges

 

Getting started

To open a TD account

You can add money to your account by:

  • Debit card (min. £100 deposit)
  • Deposit share certificates
  • Transferring your investments from another provider
 

Ongoing costs

Depending on the TD account you have and how you manage your portfolio, you might pay an Account fee


See share dealing rates
UK & International stocks, ETFs, Bonds & Warrants

Fund Platform Fee
For professionally managed Funds you hold with us

Costs to leave

We don’t think it’s fair to ever have to pay anything to leave. Unlike other providers, there's no fee to move your investments.

  • No fee to close your account
  • No fee to transfer out your investments
  • No fee to transfer out complete ISA, Junior ISA or SIPP Plans

The value of your investments and the income derived from them may go down as well as up. You may not get back all the money that you invest.

Our range of accounts

Fees and account benefits

TD Trading Account

£0 account fee

When you either

  • Have a TD ISA or TD SIPP linked to your Trading account, or
  • Place 1 or more trades every 6 months, or
  • Have an individual portfolio valuation of £15,000 or more, or
  • Have a Funds (Unit Trusts/OEICs) valuation of £10,000 or more

£20.00

+ VAT (every 6 months)

This fee is calculated and charged in arrears on the last full weekend of June and December.

Learn more about managing your regular fee payments.

Platform fees also apply when investing in funds. See platform fees

See how much it will cost you to trade in: UK & International equities, ETFs and Bonds. See rates


Direct access to UK & International markets

Fast, secure online trading platform, mobile app and tablet app

Access to shareholder voting and information, Morningstar® research tools and guides to investing

Safe custody of your portfolio & cash

Administration of all corporate actions and dividend payments on your behalf

UK based call centre with knowledgable and helpful staff

TD ISA

£0 account fee

When you either

  • Have an ISA balance of £5,100 or more, or
  • Have a Regular Investing (monthly investment) facility set up

£30.00

+ VAT per year or part year

This fee is charged on or around the first business day in June, calculated on the account value on the last business day in May or, where applicable, on the day of account closure.

Learn more about managing your regular fee payments.

Platform fees also apply when investing in funds. See platform fees

See how much it will cost you to trade in: UK & International equities, ETFs and Bonds. See rates


Direct access to UK & International markets

Fast, secure online trading platform, mobile app and tablet app

Access to shareholder voting and information, Morningstar® research tools and guides to investing

Safe custody of your portfolio & cash

Administration of all corporate actions and dividend payments on your behalf

UK based call centre with knowledgable and helpful staff

TD Junior ISA

£0 account fee

You need to have a TD account (Trading Account, ISA or SIPP) before you can open a TD Junior ISA for your child.

Platform fees also apply when investing in funds. See platform fees

See how much it will cost you to trade in: UK & International equities, ETFs and Bonds. See rates


Direct access to UK & International markets

Fast, secure online trading platform, mobile app and tablet app

Anyone can contribute into a TD Junior ISA, up to the annual allowance (it doesn't have to be the Registered Contact)

Safe custody of your portfolio & cash

Administration of all corporate actions and dividend payments on your behalf

UK based call centre with knowledgable and helpful staff

TD SIPP

0.25%

Of the value of the SIPP per half year
Minimum £40 + VAT, maximum £100 + VAT per charge
(Total minimum £80 + VAT, maximum £200 + VAT per year)

Fees charging periods are 1st December to end of May and 1st June to end of November.

Learn more about managing your regular fee payments.

Commission fees

Platform fees also apply when investing in funds. See platform fees

See how much it will cost you to trade in: UK & International equities, ETFs and Bonds See rates

Additional fees may apply depending on your circumstances, see additional fees

Apply for a TD SIPP

Direct access to UK & International markets

Fast, secure online trading platform, mobile app and tablet app

Access to shareholder voting and information, Morningstar® research tools and guides to investing

Safe custody of your portfolio & cash

Administration of all corporate actions and dividend payments on your behalf

UK based call centre with knowledgable and helpful staff


TD SIPP (Trustee and Scheme Administrator: AJ Bell)

Flexi Access Income Drawdown Charge
Providing Flexi Access Income Drawdown £75 per annum + VAT, payable in advance. The charge is payable even if you elect to take ‘nil’ income in any year
Providing a combined payment of tax free cash and income £75+VAT per payment
Conversion from Capped Drawdown to Flexi access drawdown £75 + VAT
Single payments outside standard monthly payment date £25 + VAT
Withdrawal of all SIPP funds through Flexi Access within 12 months from account opening £250+VAT
Other charges Charge
Annuity Purchase £75 + VAT
Death Benefits Payment Time/cost basis (indicative average £350 + VAT)

The following charging structure applies to SIPP customers with capped drawdown established prior to the regulatory changes on 5th April 2015.

Capped Drawdown Charge
Capped Income Drawdown (until age 75): £150 per annum +VAT payable in advance
Capped Income Drawdown (from age 75): £250 per annum +VAT payable in advance
Additional amount allocated to Capped Drawdown / review of income levels: £75+VAT

Other Accounts

Advanced accounts

Accounts for the more experience investor:

TD Derivatives Trading
TD Financial Spread Trading

Other accounts

Accounts to suit your needs:

Savings account
Trading offshore

Your investment options - how much will it cost you?

Share dealing rates for equities, ETPs, bonds and warrants
(online, mobile app or tablet app)

Trade values below £100,000 UK & International share dealing
FX rates apply for International

Introductory

Trade on our lowest online share dealing rate when you open a new TD account. After your first 3 months you'll move onto our Active, Frequent or Standard rate.

£5.95

Active
Average 20 or more eligible* trades per month across the last 3 consecutive months

£5.95

Frequent
Average 10 or more eligible* trades per month across the last 3 consecutive months

£8.95

Standard
Standard rate if you don’t trade as frequently as 10 or more times per month

£12.50
Click here for trade values above £100,000 Looking for fund rates?
Looking to make regular monthly investments?

Other trading commission rates

Type of trade Commission
Telephone trades (Equities or ETFs) £40 In addition to the appropriate on-line commission
Trade value of £100,000 to £500,000 (Equities or ETFs) £30 In addition to the appropriate on-line or telephone commission
Trade value over £500,000 (Equities or ETFs) £60
Certificates £50
Extended settlement for buy orders greater than T+3 £3
Dividend Reinvestment £1.50 Minimum dividend value for reinvestment of £10
Bed & ISA instruction £0 on the sale Normal online or phone trade commission applies to the re-purchase
Contract notes sent by post £1 + VAT Does not apply to telephone trades

  • Share dealing rates apply to each individual account separately. Trades cannot be aggregated across accounts.
  • * Trades that are not eligible include - Certificated, Dividend reinvestment trades, Unit Trust, OEICs, New Issue, cancelled or deleted trades, zero commission, FX-only transactions, Regular Investing and promotional discounted trades. These commission rates apply to standard transactions and may change. You should confirm the current rate at the time of dealing and read the terms for all standard transactions as set out in our Terms of Service.
  • International Commissions are charged in the customer settlement currency and multiplied by the conversion rate (if applicable) subject to the minimum and maximum charges shown. If orders are filled over a number of days, there is a separate commission charge for each day there is a fill.

Investing in Funds (Unit Trusts & OEICs)

Investment Funds Costs

Costs for purchasing funds

No cost for buying or selling funds with us

No cost for changing funds

Minimum investment of £100 required per Fund. Regular Investing requires a minimum £25 per month.

Ongoing costs for holding funds

Below are the ongoing costs that you can expect when investing in funds with us.

Our Platform Fee*


Contributes towards the ongoing costs of custody of your funds with us. Charged twice a year, on or around the first business day of January and July

Funds up to £250,000 0.30% per annum
Funds over £250,000 0.20% per annum
Maximum £750 per charge, per account (£1500 maximum per year, per account)

*Please note additional Account Fees may apply.

Fund Manager Charges


Charges applied by fund managers - initial sales charge and ongoing fund charge - are payable in addition to TD platform fee. Please use our Fund Selector for details of individual fund manager charges.


Example costs - investing in funds

Fund investment £5,000 £10,000 £50,000 £300,000
TD Platform Fee @ 0.30% £15 £30 £150 £750
@ 0.20% n/a n/a n/a £100
Fund Manager Fee @ 0.75% £37.50 £75 £375 £2,250
Total per year £52.50 £105 £525 £3,100

Making monthly investments

Regular Investment Dealing Rates

Our Regular Investment Service is an online monthly investment service, which lets you make small monthly payments to a TD ISA, TD Junior ISA, TD Trading Account or TD SIPP. You can purchase stocks on a monthly basis for just £1.50 commission. You can also purchase funds, which don't incur commission but may have a Fund Manager charge, see our platform fees. To make regular investments you will need to apply either for a Regular Investment Account, a TD ISA or a TD Junior ISA, selecting the Regular Investment ISA option.

Find out more

Investment type Buy fee Sell fee Minimum monthly investment
UK shares £1.50 Share dealing rate £25
Funds Nil Nil £25

Transferring rates and charges

Stock, Cash & Plan Transfers

There is no charge to transfer Stock, UK certificates, Funds or ETFs to or from TD. Your existing provider may apply a fee, so please check before deciding to transfer. Please contact us if you wish to transfer an international certificate to us.

Bed & ISA or Bed & Junior ISA

Commission is only charged on the re-purchase; at the appropriate online rate for online requests, or telephone rate for postal and telephone requests. Learn more

Foreign Exchange (FX)

Foreign Exchange (FX) rates for all currency conversions

The foreign exchange rate for all currency conversion is based on the bid/offer exchange rate to which we apply a spread up to +/- 1.50% at the time of execution. Details are available on request.

Please note for trades which have required multiple fills to execute, you will be charged an FX at the rate applicable to each individual fill. This may result in a higher FX charge than would be calculated against the whole.

Find out more

Transaction Value Margin Rates
£0 to £24,999.991.50%
£25,000 to £49,999.991.25%
£50,000 to £99,999.991.00%
£100,000 to £599,999.990.50%
£600,000 or more0.25%

*Maximum on line transaction £999,999.99. Please call us for higher transactions.

Cash Interest Rates

Gross Interest Rate Interest calculation and payment
TD Trading Account, TD ISA, TD Junior ISA, TD Regular Investing Account, CPM Account 0%
No interest is paid on cash balances
Interest is calculated on a daily basis and paid or charged quarterly, on or around 25th day of March, June, September and December
TD SIPP Relevant Rate less 1%, with a minimum of 0.10% Interest is calculated on a daily basis and paid twice a year, on or around the 25th of May and November.

The Relevant rate is usually set with reference to a central bank rate and depends on the currency in which you hold cash. The current relevant rates are:

Currency held Relevant base rate of Relevant Rate at 3rd November 2016
Sterling (GBP) Bank of England 0.25%
Euro (EUR) European Central Bank -0.40% (negative)
US Dollar (USD) US Federal Bank 0.50%
Canadian Dollar (CAD) Bank of Canada 0.50%
Australian Dollar (AUD) Reserve Bank of Australia 1.50%
Singapore Dollar (SGD) Monetary Authority of Singapore 0.04%
Hong Kong Dollar (HKD) Hong Kong Monetary Authority 0.75%
Swiss Franc (CHF) Swiss National Bank 0.50%
Swedish Krona (SEK) Sveriges Riksbank -1.25% (negative)

All interest is paid gross of income tax. You are responsible for payment of any income tax that may be due through you self-assessment return.

Multi Currency Savings Account

For details of interest rates and charges for the Savings Account provided by TD Bank N.V. View Savings Account Rates

Government & Exchange Charges

Government tax or levy Charge Transaction
UK Stamp duty 0.5%* UK stock buys
UK Panel on Takeover and Merger levy £1 UK trades above £10,000 (buys & sells)
Irish Stamp Duty 1.00% Irish stock buys
Irish Takeover Panel levy €1.25 Trades above €12,500 of Irish Incorporated stocks (buys & sells)
Hong Kong transaction levy 0.0027% Equity and company warrant transactions
Hong Kong trading fee 0.005%
Hong Kong Stamp Duty 0.1%
Singapore clearing fee 0.0325% All transactions
French Financial Transaction Tax 0.2% French stock buys
Italian Financial Transaction Tax 0.1% Italian stock buys

*Minimum £5 and rounded to the higher £5 for non-CREST eligible stocks and CREST eligible residental stocks.

Other Charges

Transfer in or out of Stock, UK Certificates, Funds, or ETFs. FREE
Late payment charge £25 plus 15% above Bank of England Base Rate charged on the debt.
Sell out execution fee due to non-payment £40 plus trade commission if applicable
Buy back execution fee due to non-delivery of stock £40 plus trade commission if applicable
Unpaid direct debit or returned cheque £25
Duplicate documents £10 + VAT
Certificated CREST rejection fee £15
Request for replacement share certificate £35 + VAT plus any charges levied by third parties
Registration of legal documents (estates) £35 + VAT
Portfolio valuation (for probate or other purposes) £10 + VAT per line of stock, minimum of £50 + VAT

Cash withdrawals from your account

The charge to withdraw cash from your account depends on the currency you are withdrawing. There is only a charge to withdraw Sterling (GBP) or Euro (EUR) if you request an urgent bank transfer.

For withdrawing money from your account
Sterling (GBP)
Only for urgent bank transfers
Euro (EUR)
Only for urgent bank transfers
US Dollar
(USD)
Canadian
Dollar (CAD)
Australian
Dollar (AUD)
Singapore
Dollar (SGD)
Hong Kong
Dollar (HKD)
Swiss Franc
(CHF)
Swedish
Krona(SEK)
£15 up to £100,000 €36 US$48 CA$50 AU$52 SG$60 HK$300 CHF45 Kr250
£25 over £100,000

Charges are paid at the point of withdrawal. You must ensure that sufficient funds are available to cover the transfer amount and the applicable charge.

CREST Personal Membership Account fee

£15.00 + VAT per quarter.

The fee is charged per calendar quarter, during the penultimate week of the quarter. The fee is waived if the value of investments and cash in the account is £15,000 or more on the day the fee is charged.

This account is only available to customers who transferred an existing CREST membership account from NatWest Stockbrokers.

Choose the right account for your investment goals

Choose an Account