{"id":4834,"date":"2026-01-08T16:27:14","date_gmt":"2026-01-08T16:27:14","guid":{"rendered":"https:\/\/www.wealthtime.com\/investors\/?page_id=4834"},"modified":"2026-02-26T13:36:29","modified_gmt":"2026-02-26T13:36:29","slug":"our-fees-and-pricing","status":"publish","type":"page","link":"https:\/\/www.wealthtime.com\/investors\/wealthtime-classic-platform\/our-fees-and-pricing\/","title":{"rendered":"Fees and pricing"},"content":{"rendered":"\n<section id=\"hero-block_8a6f585c3374cd87edd57f75967b7172\" class=\"hero black\">\n\n  \n    <div class=\"slider\" id=\"slider-block_8a6f585c3374cd87edd57f75967b7172\">\n\n      <div class=\"slider-wrapper\">\n\n        \n        \n          <div class=\"slide\" data-slide-index=\"1\" data-slide-active=\"true\">\n\n            \n\n  <img loading=\"lazy\" decoding=\"async\" width=\"1440\" height=\"673\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/04\/18.png\" class=\"hero-image\" alt=\"row full-width hero\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/04\/18.png 1440w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/04\/18-300x140.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/04\/18-1024x479.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/04\/18-768x359.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/04\/18-640x299.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/04\/18-1200x561.png 1200w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\" \/>\n\n<div class=\"grid content body-push center-aligned \">\n\n  <div class=\"content-wrap\">\n\n    <div class=\"wrap-inner\">\n\n      <p class=\"label\">Simple and transparent charges<\/p>\n\n      \n        <h1 class=\"hero-title\">Our fees and pricing<\/h1>\n\n      \n      \n      \n      \n        <div class=\"button-wrapper\">\n\n          <a class=\"button\" href=\"https:\/\/www.wealthtime.com\/investors\/wealthtime-classic\/our-fees-and-pricing\/#your-wtc-cash-account\" target=\"\">View charges for Wealthtime Classic<\/a>\n\n        <\/div>\n\n      \n      \n    <\/div>\n\n    \n  <\/div>\n\n  \n<\/div>\n          <\/div>\n\n          \n                \n      <\/div>\n\n      \n    <\/div>\n\n    \n<\/section>\n\n\n\n\n  <section class=\"page-menu\" id=\"page-menu\">\n\n    <div class=\"nav-wrapper-outer\" id=\"nav-wrapper-outer\">\n\n      <div class=\"body-push row\">\n        \n        <div class=\"nav-wrapper\" id=\"nav-wrapper-inner\">\n          <!-- Menu goes here -->\n          <ul id=\"page-nav\"><\/ul>\n        <\/div>\n\n      <\/div>\n\n    <\/div>\n\n  <\/section>\n\n\n\n\n<section id=\"signposts-block_ba4bec181019fd088d5447ed0920c705\" class=\" signposts bg-pattern-1 \" id=\"signposts-block_ba4bec181019fd088d5447ed0920c705\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <h2>At Wealthtime Classic, we keep our fees simple, making it easier to understand the cost of your investments.<\/h2>\n<h3>Here you\u2019ll find details on our standard platform fees and a helpful guide explaining how platform charges work.<\/h3>\n\n                    <\/div>\n\n                \n                        \n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"283\" height=\"283\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Top-up_GREEN.svg\" class=\"attachment-small size-small\" alt=\"signpost row\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_f9e070ca7d57c74d72ef9410cf03a8c9\" class=\" signposts white \" id=\"signposts-block_f9e070ca7d57c74d72ef9410cf03a8c9\" data-anchor-text=\"Understanding WTC platform charges\" data-anchor-link=\"Understanding-wtc-platform-charges\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Understanding WTC platform charges<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>Before you learn more about our charges, you might want to read this guide. We\u2019ve teamed up with the UK Platform Group to help customers understand platform charges and how they work. In this guide we explain the different types of charges, what they cover, and what they may be called across different platform providers.<\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/investors\/blog\/whitepapers\/uk-platform-group-understanding-charging\/\" target=\"_blank\" class=\"button black\">Download guide<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"2084\" height=\"2084\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges.png 2084w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1920x1920.png 1920w\" sizes=\"auto, (max-width: 2084px) 100vw, 2084px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_61ad50024b75a1e258693c2e03567482\" class=\" signposts light-gray \" id=\"signposts-block_61ad50024b75a1e258693c2e03567482\" data-anchor-text=\"Fee schedule\" data-anchor-link=\"Fee-schedule\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid reverse-layout layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Wealthtime Classic Fee schedule<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>Our fee schedule sets out the different types of charges that can apply when you invest with us. It includes details on our standard platform fees, interest on cash, as well as any other costs.<\/p>\n<p>Please bear in mind these are our standard charges. Your charges may be different based on various factors. Please contact your adviser for full information on the charges that apply to your account. Adviser charges are separate to our fees and are agreed between you and your adviser.<\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/investors\/blog\/whitepapers\/wealthtime-classic-fee-schedule\/\" target=\"_self\" class=\"button black\">View fee schedule<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"2084\" height=\"2084\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule.png 2084w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1920x1920.png 1920w\" sizes=\"auto, (max-width: 2084px) 100vw, 2084px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"your-wtc-cash-account\" class=\"accordion white\" data-anchor-text=\"Your cash account\" data-anchor-link=\"your-wtc-cash-account\">\n   \n  <div class=\"row content body-push\">\n\n    <div class=\"grid\">\n\n      <div class=\"content\">\n\n        \n        \n          <h2 class=\"section-title\">Your Wealthtime Classic cash account<\/h2>\n\n        \n        \n          <div class=\"description\">\n\n            <p>Each of your products with us includes a product cash facility (this is not an investment vehicle). They are to allow receipt of funds, withdrawals, and fee management.<\/p>\n<p><strong>Learn more about how we look after your money.<\/strong><\/p>\n\n          <\/div>\n\n        \n      <\/div>\n\n    <\/div>\n\n    \n\n    \n    \n      \n      \n        <div class=\"accordion\"> \n\n          \n            \n  <div class=\"accordion-item  icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-0\" aria-expanded=\"false\" aira-controls=\"tab-0\" aria-disabled=\"false\">\n          \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">How we look after your money<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-0\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p>We\u2019re authorised and regulated by the Financial Conduct Authority (FCA). As part of this, we must have certain safeguards in place. The money and assets belonging to investors is ring-fenced and kept separate from our company\u2019s money. This means that in the unlikely event of our company failing, your money would be protected and safe from claims by creditors.<\/p>\n<p>Any uninvested cash is held in a client money account with our banking partner, Barclays. We carefully selected our banking partner, carrying out due diligence checks into elements including financial strength and reputation. We assess our relationship with Barclays on an ongoing basis to ensure your money is appropriately protected.<\/p>\n<p>&nbsp;<\/p>\n<p>If anything were to go wrong, your money would be protected under the Financial Services Compensation Scheme (FSCS), up to a maximum of \u00a3120,000. Learn more about the FSCS here: <a href=\"http:\/\/www.fscs.org.uk\/\">www.fscs.org.uk<\/a><\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-1\" aria-expanded=\"false\" aira-controls=\"tab-1\" aria-disabled=\"false\">\n          \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">How we treat interest<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-1\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p>Interest, when due to clients, is credited quarterly. The interest rate paid to clients is informed by the rate earned on the Barclays account in which we hold client money. Wealthtime Classic does not retain any of the interest.<\/p>\n<p>We may receive interest from monies held in pooled accounts for transitional short periods before being allocated to clients and as an administrative necessity this will be taken as a charge. Therefore, assuming the bank interest rate is 3.5%, if you had \u00a31,000 of your money transitioning through a pooled account for one day then we would receive approximately 10 pence.<\/p>\n<p>If you had \u00a310,000 of your money transitioning through a pooled account for one day, then we would receive approximately 96 pence. If you had \u00a3100,000 of your money transitioning through a pooled account for one day, then we would receive approximately \u00a39.59. These transitional periods are normally less than one day but can be two days for BACS and cheques will depend on the speed of clearance, which will normally be five days.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-2\" aria-expanded=\"false\" aira-controls=\"tab-2\" aria-disabled=\"false\">\n          \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Interest rates<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-2\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p><em><strong>We\u2019ve changed how we deal with interest on client accounts. The interest rate applied to client cash deposits will now be updated monthly, rather than quarterly. This is to reflect changes more closely in the base rate and to be more in line with those rates currently available in the market.<\/strong><\/em><\/p>\n<p><span data-contrast=\"auto\">The table below shows the amount of interest we\u2019ve received, retained and added to Cash Accounts in percentage terms, over the previous year. It also shows how much this would have been in monetary terms, if you had held \u00a32,000 in your Cash Account over the year. These rates are informed by the HSBC savings rate and as such can change without notice.<\/span><\/p>\n<p><!--EndFragment --><\/p>\n<table style=\"height: 357px;\" border=\"1\" width=\"1153\">\n<tbody>\n<tr>\n<td width=\"100\"><strong>Period<\/strong><\/td>\n<td width=\"150\"><strong>Rate paid to investor<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"100\">19 Jan 2023 &#8211; 08 Mar 2023<\/td>\n<td width=\"150\">1.55%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">09 Mar 2023 &#8211; 26 Apr 2023<\/td>\n<td width=\"150\">1.70%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">27 Apr 2023 &#8211; 10 Aug 2023<\/td>\n<td width=\"150\">1.80%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">11 Aug 2023 &#8211; 31 Dec 2023<\/td>\n<td width=\"150\">3.25%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Jan 2024 &#8211; 29 Feb 2024<\/td>\n<td width=\"150\">3.25%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Mar 2024 &#8211; 27 Jan 2025<\/td>\n<td width=\"150\">3.50%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">28 Jan 2025 &#8211; 19 May 2025<\/td>\n<td width=\"150\">3.15%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">20 May 2025 &#8211; 30 Mar 2026<\/td>\n<td width=\"150\">3.00%<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">31 Mar 2026 &#8211; Ongoing<\/td>\n<td width=\"150\">2.85%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: inherit;\" data-contrast=\"auto\">Note: These figures have been rounded.<\/span><span style=\"font-size: inherit;\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">*Please note, prior to 01 March 2024, Wealthtime Classic would\u00a0retain\u00a0the first 0.25% of interest.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Interest will be payable quarterly in arrears on the first Monday of March, June,\u00a0September\u00a0and December, for the previous quarter, unless the first falls on a Monday in which case\u00a0it\u2019s\u00a0on the eighth. For example, interest\u00a0accrued\u00a0in January 2025 will be paid in March 2025.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Liability to tax on interest is dependent on the product wrapper involved. Please consult the\u202f<\/span><a href=\"https:\/\/www.wealthtime.com\/advisers\/adviser-hub\/document-library\/docs\/key-features-and-terms-and-conditions\/\"><span data-contrast=\"none\">Wealthtime Classic Terms\u202f<\/span><\/a><a href=\"https:\/\/www.wealthtime.com\/investors\/documents\/wealthtime-classic-terms-and-conditions\/\"><span data-contrast=\"none\">and Conditions<\/span><\/a><span data-contrast=\"auto\">\u202ffor more information.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n      <\/div>  \n        \n      \n      \n  \n  <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_d25217e0d7e5e781ee7eb88196445889\" class=\" signposts light-gray \" id=\"signposts-block_d25217e0d7e5e781ee7eb88196445889\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Want to talk to us about our charges?<\/h2>\n\n                \n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/investors\/contact\/\" target=\"_self\" class=\"button black\">Contact us<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":26,"featured_media":0,"parent":2618,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4834","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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