Invest · Broker review

Freetrade

UK's zero-commission broker with ISA — decent FX for smaller investors

Reviewed by Aayush Jain·Updated May 2026
Overall score
6.5/10
FX rank#10 of 20
FX cost / $10k$45
Conversion spread0.45%
Trading commissionFree
Annual feeNone
Min investmentNone

$35 more per $10,000 than Interactive Brokers (FX cost only)

Not financial advice.This is a comparison of FX costs only. We don't recommend specific investments. Always consult a qualified financial adviser before investing.

Verdict

Freetrade offers commission-free trading in UK and US stocks with a Stocks & Shares ISA. Its 0.45% FX charge is below the market average but above Trading 212 (0.15%) and well above IBKR. Good for UK investors starting out who want ISA access and individual US stock picking at low cost.

FX cost breakdown

Conversion spread
0.45%
Above mid-market rate
Fixed FX fee
None
Per currency conversion
Total FX cost / $10k
$45
Realistic all-in estimate

FX cost comparison on $10,000 investment

Interactive Brokers$10
Trading 212$15
Tiger Brokers$20
moomoo$25

Pros & cons

Pros

  • Zero commission on UK and US stocks
  • Stocks & Shares ISA available
  • Clean, beginner-friendly interface
  • FCA regulated
  • Fractional US shares available

Cons

  • 0.45% FX — higher than Trading 212 and IBKR
  • Basic research tools
  • No options or advanced order types
  • Plus/Ultimate subscription needed for some features

Who can use it

UK

Markets available

USUKEU

Supported corridors

GBP→USDGBP→EUR

Regulated by

UK
FCA