AJ Bell’s lifetime ISA is an excellent way to save for your first home (or your retirement). When you invest in a lifetime ISA with AJ Bell you are investing in the stock market where you can potentially make more money than in a cash-interest lifetime ISA. However, it’s important to remember that when investing, you could get back less than you put in. But, you could potentially offset any losses against the government’s 25% top-up bonus.
- Experts commend AJ Bell's Lifetime ISA for its extensive investment options, allowing users to invest from as little as £25 per month. They highlight the platform's low fees, capped at £3.50 a month, and the excellent customer service, while noting that high phone dealing charges could be a drawback.
- Across 1104 user reviews on Good Money Guide, averaging 4.2/5, customers frequently praise the user-friendly app, responsive customer service, and transparent fees. However, some users express concerns about platform stability and the need for improvements in the app's functionality.
AJ Bell Lifetime ISA Expert rating
Our expert rating is the average of the areas listed here, each scored out of 5 by our team.Our experts have rated AJ Bell Lifetime ISA across five key areas of our review framework.
- Pricing5.0
- Market Access5.0
- Online Platform5.0
- Customer Service5.0
- Research & Analysis5.0
Pros
- Pick your own LISA shares, funds and bonds or use their investing ideas
- Low LISA account fees capped at £3.50 a month for shares
Cons
- High phone dealing charges
See full expert review
Our verdict
AJ Bell's lifetime ISA is an excellent way to save for your first home (or your retirement). When you invest in a lifetime ISA with AJ Bell you are investing in the stock market where you can potentially make more money than in a cash-interest lifetime ISA. However, it's important to remember that when investing, you could get back less than you put in. But, you could potentially offset any losses against the government's 25% top-up bonus.
Capital at risk
How does AJ Bell's Lifetime ISA (LISA) work?
Invest as little as £25 per month with regular investing and access to a vast range of investments including stocks, over 4,000 funds, ETFs and access your account online 24/7 and deal on the go with the mobile app.
Fees: AJ Bell charges 0.25% of the value of your Lifetime ISA, but share account fees are capped at £3.50 a month. Dealing costs are £1.50 for funds and £5 for shares but drop to £3.50 where there were 10 or more online share deals in the previous month
Customer reviews for AJ Bell
Customer ratings come from reviews left on this site. Every review is read and approved before it is published.Based on 1,104 reviews
- Excellent46%
- Very good35%
- Basic15%
- Poor3%
- Bad2%
Read customer reviews
good value
good value
4/5
2/5
Good effective website. Responeses to...
Good effective website. Responeses to email queries are good
Excellent
Excellent
Expensive
Expensive
Reliable
Reliable
Great for LiSA
Great for LiSA
OK of UK securities
OK of UK securities
Ok
Ok
3/5
Very good and low charges
Very good and low charges
4/5
x
x
Good for LISA
Good for LISA
Very user friendly programmes
Very user friendly programmes
Very good
Very good
Reliable good spectrum of shares...
Reliable good spectrum of shares but no ability to reinvest oversea share losing compounding interest in oversea shares
Good easy platform to use
Good easy platform to use
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- Expert opinion: AJ Bell reviewed & rated
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.