Interactive Investor Transforms UK Investment Platform with New Pricing Structure for 2026

Major Platform Changes Signal New Era for UK Investors

Interactive Investor (ii) has announced a major overhaul of its pricing structure, set to come into effect from 1st February 2026. As the UK’s second-largest retail investment platform serving over 450,000 customers, this significant restructuring represents one of the most wide-ranging pricing changes in the industry and affects billions of pounds in assets under management.

The transformation comes at a crucial time for UK retail investors seeking transparent, cost-effective platforms to manage their ISAs, SIPPs, and trading accounts. The platform is replacing its existing subscription tiers with three simplified plans: Core, Plus, and Premium.

Understanding the New Three-Tier System

The headline change is that customers will no longer pay separate fees for different account types. Instead, a single flat monthly fee will cover a Stocks and Shares ISA, a Trading Account (GIA) and a Self-Invested Personal Pension (SIPP). This consolidation represents a fundamental shift in how the platform charges customers.

The Core plan, priced at £5.99 per month, accommodates investors with up to £100,000 invested. Alongside the plan changes, ii is cutting costs for international investors. Foreign Exchange (FX) fees – These are being simplified across all plans. Core plan holders will pay a flat 0.75%.

The Plus plan at £14.99 monthly removes investment limits and includes two free trades a month, free fund trading, discounted share trading rates, and unlimited free family accounts. It also offers access to ‘ii360’, a new advanced trading platform launching in 2026.

Impact on UK Investors

According to Interactive Investor, the majority of customers will be better off under the new pricing, particularly those who have consolidated their pensions and ISAs on the platform. The changes particularly benefit investors with portfolios between £50,000 and £100,000, who gain access to more affordable monthly plans.

Richard Wilson, Chief Executive, interactive investor, explains: “Our new pricing solidifies what we set out to be at ii: the obvious home for UK investors, and the best place to build wealth for themselves and their families.”

Significance for the Investment Platform Industry

The restructuring arrives as multiple UK platforms reassess their pricing strategies. “Over the years, we’ve challenged percentage-based pricing that quietly drains returns and is a barrier to building wealth.” As one of the pioneers of flat-fee investing in the UK, Interactive Investor’s latest move could trigger competitive responses across the industry.

For investors, these changes underscore the importance of regularly reviewing platform costs and considering consolidation opportunities. The new structure makes Interactive Investor particularly attractive for families looking to manage multiple investment accounts under one roof, potentially saving thousands of pounds over the long term compared to percentage-based fee structures.