Fidelity Personal Investing

Fidelity Personal Investing Review: Regulation, Fees and Broker Analysis

Unclaimed profile

Large UK investment platform for long-term, tax-wrapped investing.

Best forLong-Term InvestorsBeginnersWealth ManagementNot ideal forMetaTrader users

External website · BrokerBazaar does not receive a trading commission from this link.

62

/ 100

BrokerBazaar Score

Moderate

Evidence-based, 0–100

Data confidence 69%

£1,000 lump sum or £25 per month

Min Deposit

N/A — investment platform

Spreads From (indicative)

Not applicable

Max Retail Leverage

Not supplied

Commission

Group-level figures · Full cost schedule

Researched by
BB Team
Reviewed by
BB Team
Last verified
28 Sep 2026
Next review due
27 Dec 2026

How we tested this broker·Meet the review team

Section 01

About

About Fidelity Personal Investing

Company Provided

Fidelity Personal Investing is Fidelity International's UK investment platform, offering funds, shares, ETFs and investment trusts in ISAs, SIPPs and general investment accounts.

Tadworth, Surrey, United Kingdom 1 regulators listed

Expert Verdict

Large UK investment platform for long-term, tax-wrapped investing.

Pros

  • FCA-authorised (FRN 122169 and 121939)
  • Part of Fidelity International
  • ISA, SIPP and Junior ISA wrappers

Cons

  • No individual bonds
  • Fee schedule not supplied to BrokerBazaar
  • Licence status not yet independently checked against the FCA register by BrokerBazaar

Key Features

Regulated Broker
Fidelity Personal Investing

Fidelity Personal Investing

Regulated Broker

Min Deposit£1,000 lump sum or £25 per month
Max Retail LeverageNot applicable
Spreads (indicative)N/A — investment platform

External website · BrokerBazaar does not receive a trading commission from this link.

2

Platforms

—

Est. Since

4

Account Types

1+

Countries

Regulated By

FCA

Licence check: Not independently checked

Live Spreads

Not available

No live spread data from a named account is available for this broker. Figures are published only with the account type and capture time.

Independent report by BrokerBazaar Research TeamHow we rate brokers

Fidelity Personal Investing broker analysis: regulation, fees, withdrawals and risks

Independent broker profile covering verified entities, regulation, costs, platforms, withdrawals, risks and user feedback. BrokerBazaar is not Fidelity Personal Investing and does not operate any brokerage.

Profile ownership

Not claimed by broker

No representative of Fidelity Personal Investing manages this page. This says nothing about its licence, and the score and regulation data are the same whether or not a profile is claimed.

Information source

Submitted by broker or compiled from public pages

Details have been recorded but not yet independently checked by BrokerBazaar.

Licence check

Not independently checked

Confirm the licence on the regulator's public register before opening an account.

Editorial review

Reviewed 11 Nov 2026

Date the BrokerBazaar research team last regenerated this analysis from the stored record.

Legal entity

Financial Administration Services Limited

Founded

Not disclosed

Headquarters

Tadworth, Surrey, United Kingdom

Regulators

FCA

Minimum deposit

£1,000 lump sum or £25 per month

Spreads from

N/A — investment platform

Commission

Not supplied

Max leverage

Not applicable

Platforms

fidelity.co.uk, Fidelity app

Account types

Stocks and Shares ISA, SIPP, Investment Account, Junior ISA

Fidelity Personal Investing regulation and licence table

Each row is one legal entity. Verify the licence on the official register; a company registration is not a brokerage licence.

EntityRegulatorLicenceAuthorised activityRegionLicence check
Financial Administration Services LimitedFCA

Financial Conduct Authority

Strict oversight
FRN 122169Official register Not stated on submission; confirm on the registerUnited KingdomNot independently checked
FIL Investment Services (UK) LimitedFCA

Financial Conduct Authority

Strict oversight
FRN 121939Official register Not stated on submission; confirm on the registerUnited KingdomNot independently checked

Fidelity Personal Investing at a glance

Fidelity Personal Investing is Fidelity International's UK investment platform, offering funds, shares, ETFs and investment trusts in ISAs, SIPPs and general investment accounts.

Fidelity Personal Investing has not disclosed a founding year and a head office in Tadworth, Surrey, United Kingdom. It lists 1 regulator and 2 trading platforms.

BrokerBazaar verdict

Large UK investment platform for long-term, tax-wrapped investing.

Legal entities, regulation and licences

Fidelity Personal Investing operates through 2 legal entities, each supervised separately. Your account is with one specific entity, so the protections you receive depend on which one onboards you, not on the group's strongest licence. Overall, the group is supervised by at least one strict-tier regulator.

Licence check: Not independently checked. This broker has submitted its details. BrokerBazaar has not yet independently checked them. A company registration or general business licence is not permission to offer regulated brokerage services; only the register entries linked in the table count.

Countries accepted and restricted

Fidelity Personal Investing states that it accepts clients from United Kingdom. Availability is decided per entity and can change without notice; residents of jurisdictions such as the USA, and often the EU and UK, are frequently excluded from offshore entities.

Trading products, platforms and account types

Instruments: Funds, Shares, ETFs, Investment Trusts. Platforms: fidelity.co.uk, Fidelity app. Account types: Stocks and Shares ISA, SIPP, Investment Account, Junior ISA.

Best-for tags assigned by our team: Long-Term Investors, Beginners, Wealth Management.

Minimum deposit, spreads, commissions and other charges

The minimum deposit is £1,000 lump sum or £25 per month. Spreads start from N/A — investment platform and commission is Not supplied. Maximum leverage is Not applicable, subject to the cap of the entity that holds your account.

Swap-free / Islamic account: not specified. Swap type: not specified. Headline spreads are usually quoted for the most expensive account tier's cheapest instrument; compare total cost for your typical trade.

Deposits and withdrawals

Deposit methods: Not supplied. Withdrawal methods: Not supplied.

Withdrawal speed and fees are set by the entity and payment provider. Withdrawal delays are the most common complaint category on BrokerBazaar across all brokers; keep identity documents current and withdraw to the same method you deposited with where required by anti-money-laundering rules.

Execution model, negative balance protection and client money

Negative balance protection: Not specified. Scalping allowed: Not specified. Algorithmic trading allowed: Not specified. News trading allowed: Not specified. Hedging: not specified.

Client-money rules follow the regulator of the entity that holds your account: FCA: Segregated in ring-fenced client accounts under the CASS rules. Compensation: FSCS — up to £85,000 per client.

Complaints and dispute process

Fidelity Personal Investing has not published a complaints procedure to BrokerBazaar. Regulated entities must operate one; ask support for the formal complaints address.

If the broker does not resolve a complaint, escalate to the ombudsman or regulator of the entity that holds your account. BrokerBazaar's Dispute Support Desk can help you document and escalate a case.

Strengths and limitations

  • Strength: FCA-authorised (FRN 122169 and 121939)
  • Strength: Part of Fidelity International
  • Strength: ISA, SIPP and Junior ISA wrappers
  • Limitation: No individual bonds
  • Limitation: Fee schedule not supplied to BrokerBazaar
  • Limitation: Licence status not yet independently checked against the FCA register by BrokerBazaar

Who this broker suits, and who it does not

Fidelity Personal Investing is most relevant to traders looking for: Long-Term Investors, Beginners, Wealth Management.

It is less suitable for anyone who needs a strict-tier regulator in their own country of residence but would be onboarded by an offshore entity, for residents of restricted jurisdictions, and for beginners who have not yet understood leverage and margin. Nothing on this page is personal financial advice.

Fidelity Personal Investing change history

Every published fact change, with the previous value and the date it took effect. Each entry says whether the broker made the change itself or our editors checked it against an official source. Regulation and licence claims are always checked by an editor.

No fact changes recorded for Fidelity Personal Investing yet. Changes appear here as soon as the broker updates its profile or our editors confirm a change.

Frequently asked questions about Fidelity Personal Investing

Data sources. Broker submission, the regulator registers linked above, fidelity.co.uk legal and account-opening pages, web-archive and domain records, and third-party traffic data. Last register check 2026-09-28. External ratings: Trustpilot 4.7/5; WikiFX N/A/10; Forex Peace Army N/A/5; Google Play Store 4/5; Apple App Store N/A/N/A.

Commercial disclosure. BrokerBazaar is independent and not owned by any broker. We have no commercial relationship with Fidelity Personal Investing. How we make money. Trading leveraged products carries a high risk of loss.

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