Hargreaves Lansdown
Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.
Premium platform with research + customer service. Tiered platform fee (cut 1 March 2026): 0.35% to £250k → 0.25% to £1m → 0.10% to £2m → 0% above. Funds only — stocks have separate dealing fees (never more than £6.95 per trade). LISA: 0.25% a year on funds up to £1m (0.10% £1m–£2m, 0% above); LISA shares charged 0.25% capped at £3.75/month. Uninvested cash rates tiered since 10 Jun 2026 — entry tiers: 1.31% ISA, 2.02% SIPP, 1.41% LISA, 1.06% Fund & Share; larger balances earn more (up to 2.63% on SIPP, 2.17% on ISA).
Products tracked
- SIPP0.35% → 0.00% (4-tier)Uninvested cash rate: 2.02% AERAnnual Equivalent RateA standardised way to express savings interest, accounting for compounding. Lets you compare rates fairly across providers.
- Stocks & Shares ISA0.35% → 0.00% (4-tier)Uninvested cash rate: 1.31% AERAnnual Equivalent RateA standardised way to express savings interest, accounting for compounding. Lets you compare rates fairly across providers.
- Lifetime ISA0.25% → 0.00% (3-tier)Uninvested cash rate: 1.41% AERAnnual Equivalent RateA standardised way to express savings interest, accounting for compounding. Lets you compare rates fairly across providers.
- General Investment Account0.35% → 0.00% (4-tier)Uninvested cash rate: 1.06% AERAnnual Equivalent RateA standardised way to express savings interest, accounting for compounding. Lets you compare rates fairly across providers.
- Strong research tools and large customer-service operation
- Capped fees on bigger pots (0% above £2m)
- Fund supermarket — wide choice of fund houses
- 0.35% on first £250k still beatable by flat-fee competitors above ~£100k
- Uninvested cash (tiered from 1.06–2.02% entry) trails Trading 212 / Vanguard MMF rates
- Dealing fees on stocks (up to £6.95/trade)
Fee breakdown
- Platform fee · first £250k— Cut from 0.45% on 1 March 20260.35%
- Platform fee · £250k–£1m0.25%
- Platform fee · £1m–£2m0.10%
- Platform fee · above £2m0.00%
- Stock dealing fees— Never more than £6.95 per trade — separate0.00%
FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection
Investments covered under FSCS investment scheme (£85,000 per authorised firm). Uninvested cash held as deposits at partner banks — FSCS deposit cover applies (£120,000 from 1 Dec 2025) per partner.
FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.
From 1 March 2026: SIPP/ISA funds 0.35% to £250k (cut from 0.45%), 0.25% £250k–£1m, 0.10% £1m–£2m, 0% above. Share-account fee 0.35% capped at £150/yr (raised from £45). LISA: 0.25% on funds to £1m (0.10% £1m–£2m, 0% above); LISA shares 0.25% capped £3.75/mo. Fund dealing £1.95; share dealing never more than £6.95 (£3.95 for 20+ trades/mo). Uninvested cash tiered since 10 Jun 2026 (entry tiers 1.31% ISA / 2.02% SIPP / 1.41% LISA / 1.06% Fund & Share).
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The fees and rates above are reference data. Run the 60-second sniff to see what HL would mean for your actual balance against alternatives Feefee tracks.
Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; Hargreaves Lansdown appears here under nominative fair-use as identification of a UK financial product.