Accounts & headline costs
Sections ↑Account comparison01
Account and service routes at a glance
| Account / service | Contract and customer scope | Platform and principal condition |
|---|---|---|
| Standard — Smart Wealth | iDealing.com Limited — United Kingdom; retail clients | iDealer Dashboard / iDealing mobile. UK account; BARC RSP example. Applicable taxes and other charges are additional.Source 4Source 15Source 26Source 35 |
| Margin | iDealing.com Limited — United Kingdom; professional clients | iDealer Dashboard / iDealing mobile. Professional classification required. Losses can exceed deposited funds.Source 4Source 13Source 26Source 35 |
iDealing.com Limited offers securities dealing through its own web and mobile platform. The current application accepts UK residents only. Terms checked on 12 October 2026.[2][9][10]
Reference table02
Core investment accounts
| Attribute | Standard: Smart Wealth | Standard: Admin Free | Stocks & Shares ISA | Junior ISA |
|---|---|---|---|---|
| Account purpose | Unwrapped securities | Unwrapped securities | Individual tax wrapper | Child’s stocks-and-shares wrapperSource 1Source 19Source 30 |
| Minimum first GBP deposit | GBP 1,000 | GBP 1,000 | GBP 1,000 | GBP 1,000Source 4 |
| UK off-book base dealing charge | GBP 4.99 per trade | GBP 4.99 + GBP 2 surcharge | GBP 4.99 per trade | GBP 4.99 per tradeSource 3Source 15 |
| 2026/27 ISA subscription limit | Not an ISA | Not an ISA | GBP 20,000 across adult ISAs | GBP 9,000 across the child’s JISAsSource 30Source 31 |
The facts03
Professional account access
| Measure | Value | Context |
|---|---|---|
| Margin account | GBP 2,000 or EUR 2,500 initial deposit | Professional classification is required. Portfolio margin can use eligible securities and unrealised gains as well as cash; losses can exceed the deposit.Source 4Source 13 |
| Direct LSE order-book access | Separate approval | The broker requires professional categorisation before enabling direct exchange access. This is distinct from ordinary RSP quote dealing.Source 12 |
Pricing & charges04
Selected securities prices
| Instrument / route | Published commission | Additional condition |
|---|---|---|
| BARC: Barclays, GBP, RSP Gateway | GBP 4.99 per trade | Standard Admin Free adds its tariff surcharge.Source 15Source 3 |
| BARC: direct LSE order book, GBP | 0.05%; GBP 4.99 per-order minimum | GBP 1.70 per fill; professional access required.Source 15Source 12 |
| VUSA: Vanguard S&P 500 UCITS ETF, RSP Gateway | GBP 4.99; EUR 14.50; USD 14.95 | The charge follows the selected trading currency; these are separate prices, not currency conversions.Source 16 |
Products & platforms
Sections ↑Availability05
Investment and derivative access
| Product or route | What is offered |
|---|---|
| Listed securities | Shares, bonds, ETFs, warrants and covered warrants; the current market menu emphasises LSE securities and the RSP Gateway.Source 8 |
| Securities ownership | Holdings use nominee registration. Beneficial ownership is distinct from the legal title held by the nominee.Source 26 |
| CFDs and spread bets | In-house OTC derivatives for MiFID professional clients or eligible counterparties. They do not provide ownership of the underlying security.Source 8Source 22 |
| Other indexed instruments | The search catalogue includes currencies, options, funds and historical instruments. Its presence in search is not an availability guarantee.Source 17 |
Platforms & products06
Proprietary platform tools
| Access | Published functions |
|---|---|
| iDealer Dashboard | Browser order entry; consolidated account valuation; watchlists; order and position monitoring.Source 9 |
| iDealing mobile | iOS and Android applications for placing and observing orders and monitoring portfolios and watchlists. Separate mobile terms apply.Source 10 |
| Charting | Historical daily and live intraday charts, rebased comparisons, user-defined functions and bid/offer range charts.Source 11 |
Fees & holding costs
Sections ↑The facts07
Custody, data and account charges
| Measure | Value | Context |
|---|---|---|
| Securities custody | GBP 0.20 per security/account monthly | Excludes CFDs, spread bets and futures.Source 3 |
| ISA management | Free; custody additional | Source 3 |
| Admin Free tariff | Surcharge per trade: GBP 2 / GBX 200 / EUR 3 / USD 3.80 | Added to the instrument’s commission.Source 3 |
| LSE live prices | Private investor: one year free | Offer from 28 January 2025; activate streaming. Delayed prices free.Source 3 |
The facts08
Tax and a worked purchase example
| Measure | Value | Context |
|---|---|---|
| UK share-purchase tax | 0.5% SDRT on chargeable electronic purchases | Exemptions include qualifying growth-market shares; listed funds and foreign instruments need their own tax treatment.Source 32 |
| PTM levy | GBP 1.50 on qualifying trades above GBP 10,000 | The instrument schedule specifies UK, Channel Islands or Isle of Man incorporated companies, subject to exceptions.Source 15 |
| Illustrative GBP 5,000 purchase | GBP 29.99 combined commission and SDRT | Calculated: GBP 4.99 RSP commission + GBP 25 SDRT for one chargeable UK-share purchase under Smart Wealth. Excludes spread and other applicable charges.Source 15Source 32 |
Reference table09
Professional margin pricing
The facts10
Holding cash and leveraged positions
| Measure | Value | Context |
|---|---|---|
| Cash-interest figure | The linked 0.25% illustration is dated 11 April 2024 | It illustrates GBP 25,000 cash. It is not presented here as a current offered rate.Source 27 |
| Rolling professional derivatives | Daily financing accrues on the underlying-equivalent value | Long and short rates differ; hard-to-borrow shorts can incur a debit. Fixed-expiry pricing generally embeds the adjustment.Source 21 |
| Professional margin cash | No contractual entitlement to interest | Margin-account collateral has different legal treatment, explained under protection.Source 21 |
| Margin cash liabilities | Customer pays conversion costs | Overdue sums attract interest at the relevant currency’s central-bank base rate plus four percentage points, accruing daily until payment.Source 21 |
Process11
Continuing charges and account status
| Rule | Published treatment |
|---|---|
| Inactivity | No distinct tariff listed; custody continues.Source 3 |
| Unclaimed money | General terms: at least six years without balance movement, disregarding interest/charges; written notice allows 28 days to claim. Valid later claims must be made good.Source 18 |
| Termination | General agreement: either party normally gives five days’ written notice. Outstanding obligations survive; breach or insolvency can permit immediate termination.Source 18 |
Execution & trading rules
Sections ↑Specifications12
Order handling
| Order or situation | Operating rule |
|---|---|
| RSP quote dealing | Retail flow normally requests quotes from several market makers. The execution policy describes selecting the best available price for the requested size when confirmed.Source 22 |
| Client-selected venue | Where several venues are enabled, the customer selects the destination; the broker does not choose another venue for that instruction.Source 22 |
| Stops and stop-limits | A stop becomes a market instruction after triggering and may fill away from its trigger. A stop-limit constrains price but may remain unfilled.Source 14 |
| Partial fills | The general order guide says separate fills incur per-trade commissions/minima. The BARC direct-access schedule separately labels its GBP 4.99 floor as per order; GBP 1.70 is explicitly per fill.Source 14Source 15 |
| Trailing stops | The documented RSP trailing instruction uses closing prices and can replace the stop after the close. Failed cash/stock verification cancels the replacement. It is not a continuous intraday trail.Source 14 |
| Trailing-stop exclusions | Not available for CFD/spread-bet orders in the guide. Corporate actions do not automatically cancel the trailing instruction; the customer must manage it.Source 14 |
The facts13
Professional margin control
| Measure | Value | Context |
|---|---|---|
| Portfolio threshold | Position and pending-opening-order requirements are combined | At or below the minimum portfolio valuation, the broker may cancel opening orders and liquidate positions without notice. Selection is discretionary.Source 21 |
Deposits, withdrawals & transfers
Sections ↑Transfer terms14
Funding and available cash
| Stage | Rule |
|---|---|
| Bank funding | Use the welcome email’s instructions and a bank account registered with iDealing. Cards and physical cash are not accepted.Source 4 |
| Cheques | Allow at least three working days for clearance and account reflection. Third-party cheques are not accepted.Source 4Source 7 |
| Funding with securities | The FAQ permits eligible transferred stocks instead of initial cash when their value exceeds GBP 1,000.Source 5 |
| After a securities sale | Trading balances update immediately for reinvestment. LSE-listed equity settlement is normally T+2; bank withdrawal requires cleared, settled money.Source 5Source 4 |
| Withdrawal request | Online request; minimum GBP 100. Only registered bank accounts shown on the request screen are eligible. An amount is retained for prospective closure/transfer costs and one year’s custody/admin charges.Source 4 |
| First EUR funding | EUR 1,250 for non-margin accounts; EUR 2,500 for professional margin.Source 4 |
| Purchase currency | Use available cash in the relevant currency. Unsettled sales count only if they settle before the purchase; the agreement permits reversal of purchases breaching this limit.Source 18 |
Transfer terms15
Money out and securities transfers
| Method or charge | Published amount / restriction |
|---|---|
| Faster Payments | GBP 3.91; maximum GBP 10,000 per payment.Source 3 |
| Cheque withdrawal | GBP 25.50; maximum GBP 75,000.Source 3 |
| SEPA | Standard: EUR 30; Margin: EUR 5; maximum EUR 10,000.Source 3 |
| Nominee transfer out | GBP 60, including partial transfers, plus line charges.Source 3 |
| Euroclear UK securities out | GBP 20/line; internal transfers GBP 5/line.Source 3 |
| ISA cash sent to a new broker | Clause 45 permits this third-party payment only in GBP by cheque. It is distinct from an ordinary withdrawal to the customer’s own bank.Source 18 |
| Margin payment discrepancy | Clause 10(4) describes cheques; the current tariff lists electronic routes. Confirm the applicable procedure.Source 21Source 3 |
Process16
ISA and Junior ISA movements
| Action | Consequence |
|---|---|
| Move an existing ISA | Use the ISA transfer form. Holdings must be eligible; unsupported assets may need selling. A cash withdrawal followed by a new subscription is not the same process.Source 6 |
| Replace withdrawn money | The broker’s ISA is not described as flexible: used annual subscription room is not restored by a withdrawal.Source 6 |
| Junior ISA control | The money belongs to the child. The child can control the JISA at 16 and ordinarily withdraw at 18; statutory exceptions are separate.Source 31 |
| Close an account | Request the closure form through the account area; outstanding positions, transfers and charges still need settling.Source 4Source 18 |
Protection & regulation
Sections ↑Protections & eligibility17
How protection differs by account
| Arrangement | Scope and consequence |
|---|---|
| Ordinary securities and client money | iDealing describes segregated non-margin client money and nominee assets separated from its business assets. A nominee holding is not a personal CREST membership.Source 26 |
| Professional margin collateral | Full ownership of margin money/assets passes to iDealing. The agreement excludes FCA client-money/custody safeguards for that collateral; on insolvency the customer ranks as a general creditor.Source 21 |
| Investment compensation | FSCS can cover eligible investment claims up to GBP 85,000 per eligible person, per failed firm. It does not reimburse poor investment performance.Source 34 |
| Account aggregation | Several accounts with one firm do not create several FSCS investment limits. The investment limit is distinct from bank-deposit protection.Source 34 |
| Regulatory identity | FCA Firm Checker identifies iDealing.com Limited, FRN 191660, as Authorised with some investment permissions. HMRC registers the firm as ISA manager Z1447.Source 37Source 33 |
The facts18
Complaints
| Measure | Value | Context |
|---|---|---|
| First contact | Send the complaint to the broker’s published customer-service address | The procedure says unresolved MiFID complaints receive an acknowledgement, normally within five days. Eligible complaints can proceed to the Financial Ombudsman Service.Source 25Source 39 |
Opening an account & support
Sections ↑Process19
Application and permissions
| Step | What to prepare |
|---|---|
| Eligibility | The current English application is for UK residents and adult applicants. It describes the brokerage as a securities-holding service rather than a core cash-savings account.Source 2 |
| Identity and address | Matching identification and separate address evidence may be required. The same document cannot serve both purposes; certified copies and extra source-of-funds information may be requested.Source 7 |
| Activation | Submit the application and terms acceptance, complete verification, then meet the first-funding requirement.Source 4 |
| Representatives and organisations | Authorised representatives require their own identity checks. Corporate and trust applicants have additional authority and ownership documents.Source 7 |
| Professional assessment | A qualitative assessment plus at least two of: significant trades averaging ten per quarter over four quarters; portfolio exceeding EUR 500,000; relevant financial-sector employment for at least one year. Approval is not automatic.Source 23 |
Official UK support routes
Customer service and complaintsEmail
[email protected]Source 24Source 25
Scope iDealing.com Limited aims to reply within 24 hours during business hours. This is its published target.
FCA-listed business telephoneTelephone
+44 20 3500 7461Source 37
Scope General company contact on Firm Checker; not confirmed as an emergency dealing desk.
Manual-dealing requestEmail
[email protected]Source 18
Scope General terms direct oversized quote requests here to arrange telephone dealing; not an assurance of emergency execution.
Direct-access questionsEmail
Contact and postal detailsWebsite
https://www.idealing.com/en/contactSource 24
Scope Current UK postal and account-support instructions.
The facts20
If the platform or connection fails
| Measure | Value | Context |
|---|---|---|
| Published fallback | The FAQ confirms a telephone dealing line and backup system | The public UK contact page does not identify a dedicated emergency number, dealing hours or an outage tariff; request those details before relying on this route.Source 5Source 24 |
| Uncertain order status | Check the Dashboard’s Orders panel | Received, Active, Monitored, Rejected, Executed and Partially Filled are distinct states. Reconcile an uncertain instruction before duplicating it.Source 9 |
Additional services
Sections ↑The facts21
Adviser and manager access
| Measure | Value | Context |
|---|---|---|
| Third-party authorisation | Appointed advisers and discretionary managers | The published service supports portfolio monitoring, manager appointment, reporting and fee collection. The public overview does not establish the revocation workflow or what happens to open orders on withdrawal of authority.Source 1 |
| Separate access checks | Representatives must verify their identity | Delegating an account is separate from sharing a login; use the broker’s formal authorisation process.Source 7 |
The facts22
Other account documents
| Measure | Value | Context |
|---|---|---|
| Cash ISA | Separate savings-product agreement | Each offer uses a product summary specifying deposit limits, maturity and interest. Fixed-term cash can be locked until maturity, subject to stated early-access terms or exceptions. No current product rate is assumed.Source 20 |
| Current transfer offer | UK securities-account transfer route | The public offer advertises the GBP 4.99 RSP commission and transfer forms; it does not promise a cash bonus.Source 28 |
Company background & evidence
Sections ↑Event timeline23
History and relevant service changes
| Date / period | Evidence and significance |
|---|---|
| 1999 / 2000 | Companies House records incorporation on 1 March 1999; the broker dates the trading-service launch to May 2000.Source 35Source 26 |
| FCA authorisation | Firm Checker records authorisation since 1 December 2001. Current permissions remain product- and activity-specific.Source 37 |
| 2020 ESES withdrawal | The FOS record describes removal of ESES-settled Euronext access, with transfer or CREST-receipt conversion possible for relevant holdings. It was a service/custody change, not evidence of a new contracting entity.Source 38 |
| Historical complaint outcome | DRN-5204400 partly upheld the communication complaint and awarded GBP 500 distress/inconvenience compensation. The decision did not award the claimed future investment gains.Source 38 |
| Historical withdrawal dispute | DRN-5211759 upheld a case about 2024 cheque charges and a retained GBP 60 transfer reserve. Its case-specific redress does not replace the current tariff or 2026 payment terms.Source 39 |
| April 2026 terms | The current linked main agreement is dated 6 April 2026; the change summary identifies additions to payment clause 45.Source 29 |
This profile uses published agreements, tariffs, operational guides and authority records. Exchange membership is listed by the LSE; company registration is recorded by Companies House. Service availability, execution, support response and payments were not tested.[36][35]
- Headquarters
- London, United Kingdom
- Founded
- 2000
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
iDealing.com Limited
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Financial Conduct Authority191660 | Authorised | Checked 12 Oct 2026Firm Checker confirms Authorised status and some investment permissions, including specified dealing, arranging and safeguarding activities. This is not a guarantee that every product or claim is protected.Source 37 |
iDealing Nominees Limited
United KingdomSource 4
No separate licence entry is recorded in this panel.
Sources & further reading
- Current account range and adviser/manager services iDealing · Accessed 12 Oct 2026
- UK-only application and account purpose iDealing · Accessed 12 Oct 2026
- Services and Prices — effective 6 February 2026 iDealing · Accessed 12 Oct 2026
- Account activation, funding, withdrawal and settlement iDealing · Accessed 12 Oct 2026
- Funding with securities, reinvestment and outage dealing iDealing · Accessed 12 Oct 2026
- Broker ISA transfer and withdrawal procedures iDealing · Accessed 12 Oct 2026
- Identity, address and representative verification iDealing · Accessed 12 Oct 2026
- Current markets and professional-only derivatives iDealing · Accessed 12 Oct 2026
- iDealer Dashboard: order entry and status controls iDealing · Accessed 12 Oct 2026
- Official iOS and Android trading applications iDealing · Accessed 12 Oct 2026
- Historical, intraday and custom-function charts iDealing · Accessed 12 Oct 2026
- Direct LSE access and professional classification iDealing · Accessed 12 Oct 2026
- Portfolio margining and professional-client restriction iDealing · Accessed 12 Oct 2026
- Contingent orders, trailing stops and partial fills iDealing · Accessed 12 Oct 2026
- BARC: instrument, currency and execution-venue commission schedule iDealing · Accessed 12 Oct 2026
- VUSA: instrument-specific commission schedule iDealing · Accessed 12 Oct 2026
- Instrument-search limitations and commission methodology iDealing · Accessed 12 Oct 2026
- General Terms and Conditions — linked 6 April 2026 edition iDealing · Accessed 12 Oct 2026
- Supplemental Junior ISA terms — 6 April 2026 iDealing · Accessed 12 Oct 2026
- Cash ISA terms — linked 6 March 2026 edition iDealing · Accessed 12 Oct 2026
- Professional Margin Account terms — linked 11 July 2023 edition iDealing · Accessed 12 Oct 2026
- Currently linked Order Execution Policy iDealing · Accessed 12 Oct 2026
- Request for elective-professional categorisation iDealing · Accessed 12 Oct 2026
- Official UK customer-service and postal contacts iDealing · Accessed 12 Oct 2026
- Published complaint procedure iDealing · Accessed 12 Oct 2026
- Business history and non-margin client-asset arrangements iDealing · Accessed 12 Oct 2026
- Cash-interest illustration dated 11 April 2024 iDealing · Accessed 12 Oct 2026
- Current UK transfer offer iDealing · Accessed 12 Oct 2026
- Summary of change to payment clause 45 iDealing · Accessed 12 Oct 2026
- ISA eligibility and 2026/27 allowance HM Revenue & Customs · Accessed 12 Oct 2026
- Junior ISA eligibility, control and 2026/27 allowance HM Revenue & Customs · Accessed 12 Oct 2026
- Tax on buying shares: chargeable purchases and exemptions HM Revenue & Customs · Accessed 12 Oct 2026
- Registered ISA managers: iDealing.com Limited, Z1447 HM Revenue & Customs · Accessed 12 Oct 2026
- Investment compensation: eligibility and per-person/per-firm limit Financial Services Compensation Scheme · Accessed 12 Oct 2026
- iDealing.com Limited: incorporation and current company status Companies House · Accessed 12 Oct 2026
- iDealing.com Limited: exchange membership London Stock Exchange · Accessed 12 Oct 2026
- FCA Firm Checker: current authorisation and investment permissions, FRN 191660 Financial Conduct Authority · Accessed 12 Oct 2026
- DRN-5204400: historical ESES service-change complaint and final outcome Financial Ombudsman Service · Accessed 12 Oct 2026
- DRN-5211759: historical payment and transfer-reserve complaint Financial Ombudsman Service · Accessed 12 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.