How we compare
Here's how Prosper stacks up against other providers. See what you're really paying.
Annual platform fee on a £250,000 investment
Fund fees
Set by the asset managers
In-app cash marketplace
Multiple banks and accounts
Private markets
These investments are high risk. You should be prepared to lose all the money you invest.
Pay-as-you-go financial guidance
Interest paid on uninvested cash
Free
Refunded fund fees on over 30 ETFs from top asset managers, including BlackRock, Vanguard, and Fidelity.
£625
0.25%. Reduced rates for higher balances.
Annual ongoing charges ranging from 0.31% to 0.50% for different funds.
£1,125
0.45%. Reduced rates for higher balances.
Average ongoing charge figure of 0.81% on funds.
£240
Flat monthly fee of £19.99 for Super Investor plan.
Access to different investments with varying fund fees.
DEGIRO
£240 annual platform fee
On a £250,000 investment.(0.45%). Reduced rates for higher balances.
Varying annual ongoing charges
Charges ranging from 0.10% to 1.00%+ for different funds.
No savings marketplace
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
Lightyear
£240 annual platform fee
On a £250,000 investment.(0.45%). Reduced rates for higher balances.
Varying annual ongoing charges
Charges ranging from 0.10% to 1.00%+ for different funds.
No savings marketplace
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
Additional Brand
Interactive Investor
£240 annual platform fee
On a £250,000 investment.(0.45%). Reduced rates for higher balances.
Varying annual ongoing charges
Charges ranging from 0.10% to 1.00%+ for different funds.
No savings marketplace
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
Hargreaves Landsdown
£1,125 annual platform fee
On a £250,000 investment.(0.45%). Reduced rates for higher balances.
Varying annual ongoing charges
Average 0.81% annual ongoing charge across the range of funds.
No savings marketplace
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
AJ Bell
£625 annual platform fee
On a £250,000 investment (0.25%). Reduced rates for higher balances.
Varying annual ongoing charges
Charges ranging from 0.31% to 0.50% for different funds.
No savings marketplace
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
Prosper
£0% annual platform fee
On any portfolio size.
30+ ETFs with refunded fund fees
From the likes of BlackRock, Vanguard, and Fidelity. Low, varying charges on other funds.
Cash marketplace with 50+ products
Market-beating rates from trusted UK banks with FSCS protection.
Access to private markets
Coming early 2026!
Pay-as-you-go financial guidance
First session FREE, then £200 per hour (VAT excluded).
No interest paid on uninvested cash
Or cash held in the Prosper Wallet.