Affordable, flexible, and always transparent.

Our legacy-free tech means we’re one of the most affordable and efficient custodians and investment technology providers in the market. You’ll only pay for what you need – and we’re always clear on what it costs.

Get an estimate

Typically, clients will pay you a monthly platform fee to cover the cost of custody, trading and any investment activity; while we’ll separately charge your firm a custody fee (calculated on each of your clients’ portfolios), a fee for client or adviser portals (if you’re using them), along with any variable costs incurred (like trading fees, Direct Debits, transfers or wrappers).

Our custody fee is designed to be one of the most affordable in the market, starting at just 0.1% and tiering down to zero for larger portfolios. Our minimum charges are designed to be accessible, too: £75,000 per year in the first year, rising to £150,000 per year from year two onwards.

Try our calculator to see how it could compare, and learn more about the other costs involved. Or just dive straight into the detail.

Clients pay you a platform fee covering custody, trading and investment costs, while you pay us a custody fee and other variable costs

Our custody service can be accessed either through our portals, or directly via our API

Our custody service and investment technology can either be accessed through our off-the-shelf adviser, DFM and client portals – priced at £12,000 and £24,000 per year respectively, or through your own, custom-built interface that you connect directly via our API.

You’ll only pay for what you use – and there are no costs for integrating, no matter how you choose to.

0.1%

Starting custody fee
£12k

Annual professional portal fee
£0

Set-up cost

Get a rough estimate, and explore how the costs work in practice.

Use the slider to choose a rough amount, or type an exact figure into the box.

Target AUM

Roughly what level of assets would you expect to manage? £

Average client size

Roughly how large do you expect your typical client's portfolio to be? £

Adviser portals

Would you be using our off-the-shelf adviser portals?

Client portals

Would you be using our off-the-shelf client portals?

Pension

Would you be offering a pension?

Good to know. Roughly what proportion of clients will have one, do you think?

And roughly how many of those will be in decumulation?

Transfers

And finally, will some of the customers you've told us about have existing assets that you'll want to transfer across?

Ok — roughly what proportion of your target customer base, do you think?

A rough breakdown of the estimated costs in the first year…

An estimated all-in blended cost of 0.13%

Custody, portals and wrappers £36,000

Custody (assuming a blended 0.1% or 0.08% of AUM depending on client size, with minimums applicable) £36,000 Professional and client portals (at £12,000+VAT and £24,000+VAT per year accordingly) £0 SIPPs (at £48+VAT per year for accumulation and £120+VAT per year for decumulation) £0

One-off initial costs

Account transfers (at £15 per wrapper, assuming clients will transfer ISA and SIPP) £0

Total £36,000

Total as percentage of assets 0.13%

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It's important to understand...

This calculator is only designed to provide a rough and illustrative estimate, and makes a number of assumptions.

For example, we have assumed a blended custody charge of 8bps where the typical client portfolio size is over £100k, to mimic the lower blended custody charge of firms supporting larger client porfolios. For those whose typical client portfolios are smaller, we revert to a blended 0.1% custody charge.

For simplicity, these figures don't include trading costs (which are highly variable and might be passed on to the end client) or payment costs (for example Direct Debits).

It also doesn’t account for the operational cost involved with running your own investment platform. It’s a significant step that will carry certain new and perhaps unfamiliar roles and responsibilities – and might mean you have to hire new administrative, operations or customer service staff.

To learn more about what’s involved, take a look at our introductory guide…

Read the guide

An introductory guide to working with Seccl cover

Digital custody

AUM per client	Price
£0 to £500k	10 bps
£500k to £1m	5 bps
£1m +	0 bps

Clients’ platform and adviser charges are calculated based on their end-of-day portfolio valuations during the previous month. There is a minimum custody charge of £75,000 per year in the first year, rising to £150,000 per year from year two onwards.

Client and adviser portals

Our portals for advisers are priced at £12,000 (+ VAT) per year, and client portals at £24,000 (+ VAT) per year. Note that, unlike our digital custody service, our client portals are subject to VAT. Any improvements to the interface will automatically flow into portals at no extra cost.

Other variable costs to think about

Item	Cost
Direct Debit (per DD)	To be negotiated with DD provider, assume £0.20-0.50
Fund transactions	No cost
UK ETF & Shares (bulk traded at the end of day)	4 bps per trade (minimum of £4)
Account transfers (via Origo or ATG)	£15 per wrapper

SIPP costs

Account	Cost
Accumulation	Annual charge of 0.05% paid monthly with a minumum of £12 + VAT and maximum of £48 + VAT per year
Decumulation	Annual charge of 0.10% paid monthly with a minumum of £48 + VAT and maximum of £120 + VAT per year

Note: these variable costs are to cover the charges that we ourselves take on when facilitating transactions.

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Affordable, flexible, and always transparent.

Typical charging structure

An affordable solution that starts at 0.1%

Flexible and modular

Take our off-the-shelf portals, or DIY with our API

0.1%

£12k

£0

How much will I pay?

Try our pricing calculator

Get a rough estimate, and explore how the costs work in practice.

A rough breakdown of the estimated costs in the first year…

Where shall we send it?

It's important to understand...

The detail

Our full pricing breakdown

Digital custody

Client and adviser portals

Other variable costs to think about

SIPP costs

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