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Fund investors are charged differently from share investors. Dealing commission barely matters — most platforms deal funds free — and the platform's percentage charge, levied on everything you hold, becomes the number that compounds against you.
That makes this the category where the flat-fee model earns its keep. Below roughly £30,000 a percentage charge is usually cheaper; above it, a fixed monthly fee wins, and keeps winning as the pot grows.
The full-service fund platform at a lower percentage charge than its closest rival. The default pick here.
Platform fee 0.25% · UK dealing £5 · FX 0.75%
The widest fund range in the UK, and the charge reflects it. Worth it if range is the deciding factor.
Platform fee 0.35% · UK dealing £6.95 · FX 0.99%
A flat monthly fee instead of a percentage — cheapest of these once the pot is big enough.
Platform fee £5.99/mo · UK dealing £3.99 · FX 0.75%
A large fund range with free fund dealing, at a percentage charge.
Platform fee £7.5/mo + 0.35% · UK dealing £7.5 · FX 0.75%
Vanguard's own funds only. The cheapest way to hold them, and no use for anything else.
Platform fee £4/mo + 0.15% · UK dealing Free · FX —