interactive investor is introducing a new, simplified flat-fee pricing structure from 1 February 2026, replacing its existing plans with three clear tiers: Core, Plus and Premium.
The biggest change is that all plans now include a Stocks & Shares ISA, a SIPP and a Genearl Investing Account under a single monthly fee, making the platform better suited to investors who want to consolidate their investments in one place. At the same time, interactive investor has significantly reduced its foreign exchange (FX) fees, cutting one of the most common hidden costs for investors buying overseas assets.
The Core plan, priced at £5.99 per month, now covers portfolios of up to £100,000, double the previous limit. FX charges are simplified and reduced to a flat 0.75%, down from variable rates that previously started at around 1.5%. This makes the entry-level plan more attractive for growing investors who are starting to build meaningful portfolios or investing internationally.
The Plus plan, costing £14.99 per month, removes investment limits entirely and expands family benefits. Investors can now add up to five family members fee-free (previously two) and open unlimited free Junior ISAs. Dealing costs are lower, fund trades are cheaper, international trading fees have fallen, FX costs drop to 0.25% on amounts over £50,000, and the plan includes one free trade each month.
At the top end, the Premium plan costs £39.99 per month and is designed for active and high-value investors. It includes unlimited family accounts, unlimited Junior ISAs, a flat 0.25% FX fee, free fund trades, reduced dealing fees, two free monthly trades, and access to ii360, interactive investor’s advanced investing platform launching in 2026.
Overall, this repricing is good for investors because flat fees become increasingly cost-effective as portfolios grow, helping reduce the long-term drag caused by percentage-based platform charges.
The lower FX fees benefit anyone investing globally, while the inclusion of ISAs and pensions in one price makes it easier and cheaper to manage multiple tax wrappers. Families and long-term investors are among the biggest winners, particularly those with £50,000–£100,000 invested or multiple accounts, who in many cases will pay less than under the old pricing structure.
Richard is the founder of the Good Money Guide (formerly Good Broker Guide), one of the original investment comparison sites established in 2015. With a career spanning two decades as a broker, he brings extensive expertise and knowledge to the financial landscape.
Having worked as a broker at Investors Intelligence and a multi-asset derivatives broker at MF Global (Man Financial), Richard has acquired substantial experience in the industry. His career began as a private client stockbroker at Walker Crips and Phillip Securities (now King and Shaxson), following internships on the NYMEX oil trading floor in New York and London IPE in 2001 and 2000.
Richard’s contributions and expertise have been recognized by respected publications such as The Sunday Times, BusinessInsider, Yahoo Finance, BusinessNews.org.uk, Master Investor, Wealth Briefing, iNews, and The FT, among many others.
Under Richard’s leadership, the Good Money Guide has evolved into a valuable destination for comprehensive information and expert guidance, specialising in trading, investment, and currency exchange. His commitment to delivering high-quality insights has solidified the Good Money Guide’s standing as a well-respected resource for both customers and industry colleagues.
To contact Richard, please see his Invesdaq profile.
