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version 4.0
February 2025

Prosper Account Charges

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Contents

There are two sections to this document:

1. Prosper Account Charges
2. Investment Account Charges
3. Savings Account Charges

We reserve the right to change the above fees & charges in the future and will provide you with a months notice before doing so.

1.  Prosper Account Charges

There are no fees associated with opening your Prosper Account, nor for making payments or transferring money between accounts.

We may receive a share of the interest paid by the bank on cash in your Prosper Account, however the rate that you see (in the app or elsewhere) is the rate you receive.

2. Investment Account Charges

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

3.  Prosper Savings Account Charges

There are no fees charged on any of the Savings Accounts that you open.

We may receive a share of the interest paid by the bank on each savings product however the rate that you see (in the APP or elsewhere) is the rate you receive.