Version 3.0
17 July 2024
Contents: There are two sections to this document:
We reserve the right to change the above fees & charges in the future and will provide you with a months notice before doing so.
Here is a breakdown of the fees we charge for your Prosper Investment Accounts (Personal Pension , Stocks & Shares ISA & General Investment Account).
Where applicable, these fees will be deducted on a monthly from each of your investment accounts.
| Fees & Charges | What is this fee for? | Amount |
|---|---|---|
| Prosper Platform fee | We charge this fee to manage your Prosper Investment Accounts over each year. | 0.0% p.a. for each of your Investment Accounts. |
| Trading charge | This fee is for when you buy or sell an Exchange Traded Fund (ETF). |
There is no fee for Non-Exchange Traded Funds (eg. Mutual Funds). | £0 | | Fund/ETF product charges | When you invest in Funds and ETFs, you normally incur costs within the fund namely the Ongoing Charges Figure (OCF), Transaction costs, and Incidental costs.
The product charges for a select number of qualifying funds are refunded once a year. These qualifying funds which are listed below.
Any funds not in the qualifying list will incur their stated product charges. This fee is deducted from the money you put into the Fund/ETF over each year. | Varies depending on the investment product.
The specific details can be found on the investment product page in the Prosper app or in the Key Investor Information Document (KIID). | | |
| | | Cash Balances held in your Investment Accounts | There are no fees or charges applied to cash balances. Interest is not paid on uninvested cash. | 0.0% | | | | |
The Prosper fee and Fund/ETF product charges are calculated daily and charged monthly in arrears. Any fees charged from pricing errors will be corrected as soon as we are aware of them.
Prosper trading charge is calculated and charged when placing a buy order or sell order.
Any Uninvested cash in your Investment Accounts is held in the Custodian’s Client Money bank account (Lloyds) until invested. Platform fees would not be applied to cash balances. Interest is not paid on uninvested cash.
Qualifying Fund List
The Qualifying Funds listed below have not been assessed by Prosper or any other party as being suitable for you or your particular circumstances. You should read the KIID for each fund or ETF and decide if it is appropriate for you to invest in. If you are unsure about investing, you should seek professional advice before proceeding. Prosper does not offer investment advice.
| Fidelity Index Japan P Accumulation | Equity | Japan | GB00BHZK8872 |
|---|---|---|---|
| Fidelity Index US Fund P Accumulation | Equity | US | GB00BJS8SH10 |
| Fidelity Index World Fund P Accumulation | Equity | Global | GB00BJS8SJ34 |
| Fidelity Index World Fund P GBP Income | Equity | Global | GB00BP8RYB62 |
| Fidelity Index US Fund P GBP Income | Equity | North America | GB00BP8RY838 |
| HSBC European Index Fund Accumulation C | Equity | Europe | GB00B80QGH28 |
| HSBC European Index Fund Income C | Equity | Europe | GB00B80QGD89 |
| iShares $ Ultrashort Bond UCITS ETF USD (Acc) | Bonds | US | IE00BGCSB447 |
| iShares £ Ultrashort Bond UCITS ETF GBP (Dist) | Bonds | UK | IE00BCRY6441 |
| iShares Core Global Aggregate Bond UCITS ETF USD Hedged (Acc) | Bonds | Global | IE00BZ043R46 |
| iShares Core S&P 500 UCITS ETF USD (Acc) | Equity | US | IE00B5BMR087 |
| iShares Corporate Bond Index Fund (UK) D Acc | Bonds | UK | GB00B84DSW83 |
| iShares Global Aggregate Bond ESG UCITS ETF GBP Hedged Accumulation | Bonds | Global | IE000ZXYID24 |
| iShares MSCI Europe ESG Enhanced UCITS ETF EUR Acc | Equity | Europe | IE00BHZPJ783 |
| iShares MSCI USA ESG Enhanced UCITS ETF USD Inc | Equity | US | IE00BHZPJ890 |
| iShares UK Gilts 0-5yr UCITS ETF GBP (Dist) | Bonds | UK | IE00B4WXJK79 |
| iShares US Equity Index Fund (UK) D Acc | Equity | US | GB00B5VRGY09 |
| Vanguard EUR Corporate Bond UCITS ETF EUR Accumulation | Bonds | Europe | IE00BGYWT403 |
| Vanguard EUR Eurozone Government Bond UCITS ETF EUR Acc | Bonds | Europe | IE00BH04GL39 |
| Vanguard FTSE 100 Index Unit Trust GBP Acc | Equity | UK | GB00BD3RZ368 |
| Vanguard FTSE 100 Index Unit Trust GBP Inc | Equity | UK | GB00BD3RZ251 |
| Vanguard FTSE 250 UCITS ETF | Equity | UK | IE00BKX55Q28 |
| Vanguard FTSE 250 UCITS ETF GBP Accumulation | Equity | UK | IE00BFMXVQ44 |
| Vanguard FTSE U.K. All Share Index Unit Trust GBP Acc | Equity | UK | GB00B3X7QG63 |
| Vanguard FTSE UK All Share Index A Inc 0.06% | Equity | UK | GB00BPN5P782 |
| Vanguard U.S Equity Index Inc 0.10% | Equity | US | GB00B5B74S01 |
| Vanguard U.S. Government Bond Index Fund GBP Dist | Bonds | US | IE00BD6D4566 |
| Vanguard USD Corporate Bond UCITS ETF | Bonds | US | IE00BZ163K21 |
| SPDR S&P 500 UCITS ETF Dist | Equity | US | IE00B6YX5C33 |
| SPDR S&P 500 UCITS ETF Acc | Equity | US | IE000XZSV718 |