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AJ Bell Youinvest Review 2025

Written by
Fact checked by
Adam N.
Updated
4d ago
Regulated and trusted. Tested via live trading.
470 people chose this broker
Not available in United States; see best alternatives

Why choose AJ Bell Youinvest

AJ Bell Youinvest is a UK direct-to-investor investment platform.

It provides a quick account opening process (no more than 10 minutes), and you get a not too sophisticated, but very usable trading platform. Trading fees are low, especially for funds and bonds. If you need assistance from customer service, the response time is short. It is a good choice for beginner investors.

On the other hand, trading fees for stocks/ETFs are only average and the product lineup lacks forex, options, futures and CFDs. Technical research tools, especially charting, are quite basic, not suitable for advanced research.

BrokerChooser gave AJ Bell Youinvest a 4.5/5 rating based on analyzing 600+ criteria and testing via opening a live account.

  • Fast account opening
  • Easy to use trading platforms
  • Great customer service
  • Interest paid on uninvested cash
Overall score
4.5/5
Minimum deposit
$0
Stock fee
Average
Fund fee
Low
Inactivity fee
no
Account opening
1 day

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US stock fee
Estimated commission of a $2,000 trade, assuming a $50 stock price
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Fees

Score: 3.2/5
AJ Bell Youinvest has low fund fees and the non-trading fees are also reasonable. Deposit and withdrawal are free. On the negative side, you will be charged a custody fee based on your trading history and asset volume.
  • Low non-trading fees
  • No withdrawal fee
  • Low mutual fund fees

We compared AJ Bell Youinvest's fees with two similar brokers we selected, Interactive Investor and Hargreaves Lansdown. These competitors were selected based on objective factors like products offered, client profile, fee structure, etc. See a more detailed comparison of AJ Bell Youinvest alternatives.

Average stock and ETF commission

AJ Bell Youinvest UK stock fees are slightly lower than the industry average. UK stock fees are calculated as follows: 0-10 trades/month: £5; 10 and more trades/month: £3.50

Broker
UK stock
AJ Bell Youinvest
$6.3
Interactive Investor
$5.0
Hargreaves Lansdown
$15.1
AJ Bell Youinvest stock and ETF commission

Low mutual fund commission

AJ Bell Youinvest Mutual fund fees are less than half of the industry average. Mutual fund fees are calculated as follows: £1.50 per trade

Broker
Mutual fund
AJ Bell Youinvest
$1.9
Interactive Investor
$5.0
Hargreaves Lansdown
$0.0
AJ Bell Youinvest mutual fund commission

Low bond commission

AJ Bell Youinvest EU/UK government bond fees are less than half of the industry average. EU/UK government bond fees are calculated as follows: £5 per trade

Broker
EU/UK government bond
AJ Bell Youinvest
$6.3
Interactive Investor
$5.0
Hargreaves Lansdown
$15.1
AJ Bell Youinvest bond commission

Average custody fee, no withdrawal fee

It charges no account, inactivity, or withdrawal fees.

Broker
Custody fee
Withdrawal fee
AJ Bell Youinvest
$0
Interactive Investor
$0
Hargreaves Lansdown
$0
AJ Bell Youinvest custody, withdrawal and other fees

Check out a detailed analysis of all the fees, commissions, and other charges levied by AJ Bell Youinvest for more information.

Safety

AJ Bell is a legit brokerage. It is regulated by the UK's FCA, a top-tier regulator, so there is a high level of investor protection (£85,000). The broker is also listed on the London Stock Exchange.
  • High level of investor protection
  • Listed on stock exchange
  • All clients belong to a top-tier financial authority
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Deposit and withdrawal

Score: 3.3/5
Deposits and withdrawals are free and the process is user-friendly. However, accounts are available only in GBP and one-off deposits cannot be sent via bank transfer.
  • Credit/Debit card available
  • Free withdrawal
  • No deposit fee
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Account opening

Score: 5/5
Expect a quick, user-friendly and fully digital account opening process without a required minimum account balance. The downside: it's only available to UK residents.
  • Fast
  • Fully digital
  • No minimum deposit
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Mobile app

Score: 4.2/5
AJ Bell Youinvest offers a great mobile trading platform, which guarantees a smooth and straightforward user experience. Nevertheless, we missed price alerts.
  • User-friendly
  • Two-step (safer) login
  • Good search function
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Web trading platform

Score: 3.7/5
AJ Bell Yoinvest's web platform is user-friendly and well-designed. Two-step login is available and the fee reports are clear. On the negative side, customizability is limited and price alerts are not supported.
  • User-friendly
  • Clear fee report
  • Two-step (safer) login
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Product selection

Score: 2.3/5
AJ Bell Youinvest has a limited product portfolio, including stocks, ETFs and funds. Popular assets like forex, options, futures, and CFDs are missing. Bonds can be traded only via phone orders.
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“I recommend AJ Bell Youinvest for beginners and investors with small and medium portfolios focusing on the UK market.”
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FAQ

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Everything you find on BrokerChooser is based on reliable data and unbiased information. We combine our 10+ years finance experience with readers feedback. Read more about our methodology.

author
András Régely
Author of this review
As a Broker Analyst at BrokerChooser, I'm dedicated to providing data-driven insights that simplify the world of investments. With a solid academic background, including an MSc in Accounting and Finance from LSE, I bring a deep understanding of financial markets to my role. My mission is to assist retail investors in finding the perfect broker fit by leveraging my trading experience and analytical skills. At BrokerChooser, I merge my passion for trading with a keen eye for market trends, helping clients navigate online brokers confidently and effectively.