Our fees

Even if you have all three account types or more - we will only ever charge you £1. The fees are not per investment account, but per user!

CIRCA5000 offers ETFs provided by external fund providers. These providers charge a fee to manage investments and they collect these fees directly out of the money you invest.

The fee for each fund can be found in the KIID (Key Investor Information Document). The KIID for each fund is available in the CIRCA5000 app. The specific fees vary depending on the fund(s) you choose and range between 0.24%-0.65% p.a.

Our fees are taken from the cash allocation of your account on the 10th of each month, so the balance you see in the app will always be net of CIRCA5000 and external ETF fees.

If there isn't enough cash available to pay for your fee, then we'll sell a small portion of your largest holding to raise money for the fee.

CIRCA5000 does not charge to buy/sell investments for you, open/close your account, or to top-up/withdraw from your account. We also don't charge to transfer an external account into your CIRCA5000 account or to transfer your CIRCA5000 account to another provider (unless you are withdrawing a pension within 12 months of a transfer - see below). The only fees we charge are the ones listed on the account options above, and the external fund fees.

Pensions, ISAs or JISAs can be transferred into your CIRCA5000 account via our app, and we do not charge any fees to transfer any account held elsewhere into your CIRCA5000 pension.

A transfer out fee will be incurred only if you transfer your CIRCA5000 pension to another provider within 12 months of transferring into CIRCA5000. This is purely to cover the onboarding costs for us transferring your pension. The transfer out fee incurred will be £30 per pension you transferred in, within the preceding 12 months. We will sell investments in your CIRCA5000 pension in order to satisfy the transfer out fee before processing any transfer out.

If you believe you have old or lost pensions with previous employers - then you can find them using our pension tracing service in the app. All we need are some personal details, and the name of your previous employer(s), and we’ll try and find them for you. Once found, you will be given the option of consolidating your old/lost pensions within our app - by transferring them to our Personal Pension account.

You can find the full fees breakdown in our Fees Document which makes up part of our business terms & conditions. The Fees Document can be found here: https://circa5000.com/support/policies/fees-document