• NO set up charge
  • NO charge for online trading on the Investment Centre
  • NO charge for cash transfers in
  • NO subscription charge

A summary of charges is shown below. Please note these are the charges that apply if the plan is set up and managed completely online. Other charges may apply. View full Charges Schedule.

The cost of setting up a Modular ISA is nil, where a Modular iSIPP is already in place. If you do not have a Modular iSIPP and will be setting one up with the Modular ISA, you can see the charges here. To open a Modular ISA, you must have a Modular iSIPP open.

Annual platform charge1
First £300,000 - 0.25%
On next £300,000 – 0.20%
On next £400,000 - 0.15%
On next £500,000 - 0.05%
Over £1.5 million - 0.01%

1The percentage charge is calculated on or around the first day of each month and is based on the combined value of Cash Panel deposits, cash held in your SIPP Bank Account (as well as any bank account held in relation to a property) and ISA Bank Account (and, if applicable, your GIA Bank Account) and Investment Centre holdings (including Managed Portfolio Panel) across all products held in the Modular iPlan.

To administer investmentsModular ISA
Optional Whole of MarketA module offered by James Hay that allows investors to include funds and investment managers not offered within the James Hay Investment Centre. Module* £102 + VAT pa
Buy, sell or switch external investments online £20 + VAT (per investment provider)

*Further charges may be applicable within the module. Please see the Modular ISA Charges Schedule for details.

Putting money inModular ISA
In-specie transfer from another plan £50 + VAT* (per transfer)

*Subject to maximum of £200pa per product transferred in.

There is no charge for withdrawing cash from the Modular ISA.

Other charges apply. Please see our Modular ISA Charges Schedule for details.

Ready to apply

  1. First you will need to register for an account, once you have completed all the fields an email will be sent to you to validate the email address provided.
  2. Complete an online product illustration to see what the Modular iPlan might give you, based on your chosen products (SIPP, ISA and GIA), level of contributions and how you choose to invest your money.
  3. Complete an online product application. Please remember you must set up a Modular iSIPP before you can add the Modular ISA or GIA.

The set up costs for adding a Modular ISA to an existing Modular iSIPP is nil. If you do not have a Modular iSIPP and will be setting one up with the Modular ISA, you can see the set up costs here. To open a Modular ISA, you must have a Modular iSIPP open.


Annual platform charge

First £300,000 - 0.25%
On next £300,000 – 0.20%
On next £400,000 - 0.15%
On next £500,000 - 0.05%
Over £1.5 million - 0.01%

1The percentage charge is calculated on or around the first day of each month and is based on the combined value of Cash Panel deposits, cash held in your SIPP Bank Account (as well as any bank account held in relation to a property) and ISA Bank Account (and, if applicable, your GIA Bank Account) and Investment Centre holdings (including Managed Portfolio Panel) across all products held in the Modular iPlan.


To administer investments

Optional Whole of Market Module* – £102 + VAT pa

Buy, sell or switch external investments online – £20 + VAT per investment provider

*Further charges may be applicable within the module. Please see the Modular ISA Charges Schedule for details.


Putting money in

In-specie transfer from another plan (per transfer) - £50 + VAT*

*Subject to maximum of £200pa per product transferred in.


Taking money out

There is no charge for withdrawing cash from the Modular ISA.

Other charges apply. Please see our Modular ISA Charges Schedule for details.

Ready to apply

  1. First you will need to register for an account, once you have completed all the fields an email will be sent to you to validate the email address provided.
  2. Complete an online product illustration to see what the Modular iPlan might give you, based on your chosen products (SIPP, ISA and GIA), level of contributions and how you choose to invest your money.
  3. Complete an online product application. Please remember you must set up a Modular iSIPP before you can add the Modular ISA or GIA.