Typical charging structure

An affordable solution that starts at 0.1%

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 – with a minimum annual fee of £36,000. And there are absolutely no costs for integration or set-up.

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

Flexible and modular

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

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…

An estimated all-in blended cost of

Custody and client/adviser portal charges

Custody (assuming a blended 0.1% or 0.08% of AUM depending on client size, with a £36k/year minimum) Client and adviser portals (at £12,000+VAT and £24,000+VAT per year for professional and client portals)

Indicative wrapper and transfer costs

One-off cost for initial transfers (at £15 per wrapper, assuming clients will transfer ISA and SIPP) SIPPs (at £48+VAT for accumulation and £120+VAT for decumulation)

Total

Total as percentage of assets

Where shall we send it?

Just let us know your name and email and we’ll send your estimate over to you.

First name

Last name

Work email

What type of company are you?

Is it OK if we email you every now and then with news and updates you might be interested in? You can always unsubscribe later if you like. Check out our privacy policy for full details.

Yes No

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

The detail

Our full pricing breakdown

Want to know the detail? We’ve outlined all the potential costs involved with using our service below.

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. Firms will be subject to a minimum custody charge of £36,000 per year in the first year.

Client and adviser portals

Our portals for advisers and DFMs are priced at £12,000 (+ VAT) per year, and client portals - £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)
In specie transfers (via Origo or ATG)	£15 per wrapper

SIPP costs

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

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

First name

Last name

Work email

Phone number

What type of company are you?

How did you hear about us?

Message:

Is it OK if we email you every now and then with news and updates you might be interested in? You can always unsubscribe later if you like.

Yes No

Affordable, flexible, and always transparent.

How does it work?

How much will I pay?

Can I see the detail?

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%

£36k

£12k

£0