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About Freetrade.io
What is Freetrade.io?
Freetrade.io is an award-winning, FCA-regulated investment and trading platform that lets you build a portfolio from as little as £1. With over 8,200 investment choices — including stocks, ETFs, bonds, mutual funds, and gilts — it offers commission-free trading with no account fees. The platform is designed for UK investors looking for a simple, transparent, low-cost way to invest for retirement, holidays, or any financial goal.Who is it for?
Freetrade.io is ideal for UK-based beginners and experienced investors who want to avoid hidden fees and complex pricing. It is particularly suited for those who want a free ISA (the UK's only free Stocks and Shares ISA), free pension (SIPP), or free Junior ISA. It is not for advanced traders needing real-time charts, forex, or leveraged products — Freetrade focuses on long-term, commission-free investing in mainstream assets.Key Features and Use Cases
Investors can buy fractional shares, transfer existing ISAs and SIPPs (average transfer time 22 days), earn interest on uninvested cash (up to 3.5% AER on Plus plan), and access a full universe of UK and US stocks, ETFs, and investment trusts. Use cases include building a retirement fund via a SIPP, saving for a child's future with a Junior ISA, or simply growing wealth steadily with a diversified portfolio — all without worrying about trading fees eating into returns.Key features
- Commission-free investing — Trade stocks, ETFs, and investment trusts with zero commission and no account fees.
- Free ISA, SIPP, and JISA — The only UK platform offering a free Stocks and Shares ISA, pension, and Junior ISA.
- 8,200+ investments — Access a wide range of UK and US stocks, bonds, mutual funds, gilts, and ETFs.
- Fractional shares — Start investing from just £1, making it easy to diversify even with a small budget.
- Interest on uninvested cash — Earn up to 3.5% AER on cash balances (depending on plan) with no lock-in.
- Fast ISA/SIPP transfers — Average transfer completion in 22 days, with Freetrade handling the paperwork.
- FCA regulated and FSCS protected — Your investments are protected up to £85,000 under the FSCS.
SaaSpartout Score
6.9
/10
Editorial score from our review methodology — not user ratings.
Freetrade.io Pricing
Freetrade.io pricing: from £0/mo (Free Basic plan). Billing model: Freemium.
Basic Plan — £0.00/mo
Commission-free investing in the full Freetrade universe (stocks, ETFs, investment trusts). Includes Stocks and Shares ISA, Junior ISA, SIPP, and General Investment Account. FX fee 0.99% on non-GBP trades. 1% AER on up to £1k uninvested cash. Access to mutual funds and gilts.
Standard Plan — £4.99/mo (annual) or £5.99/mo (monthly)
All Basic features plus: FX fee 0.59% on non-GBP trades. 2.5% AER on up to £2k uninvested cash. Mutual funds and gilts included.
Plus Plan — £9.99/mo (annual) or £11.99/mo (monthly)
All Standard features plus: FX fee 0.39% on non-GBP trades. 3.5% AER on up to £3k uninvested cash. Includes SIPP (pension) and all account types. Mutual funds and gilts included. Annual subscriptions save 17%.
Capital at risk. ISA and SIPP rules apply. No free trial, but Basic plan is free forever.
Frequently asked questions
Is Freetrade.io free?
Yes, Freetrade.io offers a free Basic plan (£0/mo) with commission-free investing, no account fees, and access to a Stocks and Shares ISA, Junior ISA, SIPP, and General Investment Account. FX fees apply on non-GBP trades (0.99%).
How much does Freetrade.io cost?
Freetrade.io has three plans: Basic (£0/mo), Standard (£4.99/mo annual or £5.99/mo monthly), and Plus (£9.99/mo annual or £11.99/mo monthly). All plans include commission-free trading. Annual billing saves 17%.
Who is Freetrade.io best for?
Freetrade.io is best for UK investors who want a simple, low-cost platform for long-term investing. It is ideal for beginners and experienced investors alike, especially those who want a free ISA, SIPP, or Junior ISA without hidden fees.
What are the top alternatives to Freetrade.io?
Popular UK alternatives include Trading 212, InvestEngine, and Vanguard. These also offer commission-free or low-cost investing, but features, account types, and fees differ. Always compare based on your investment style and goals.
Does Freetrade.io offer an ISA?
Yes, Freetrade.io offers the UK's only free Stocks and Shares ISA, as well as a free Junior ISA and free SIPP (pension). All plans include these account types, though the SIPP is only available on the Plus plan.
What is a key limitation of Freetrade.io?
Freetrade.io is designed for long-term investing, not active trading or advanced charting. It does not offer forex, leveraged products, or real-time data for day traders. FX fees apply on non-GBP trades, and the investment universe is limited to stocks, ETFs, bonds, mutual funds, and gilts.
