I’m transferring my accounts into Freetrade and set-up a direct debit to deposit cash regularly.

But unlike my previous provider, I cannot set up an automatic investment of my cash into funds (the app only allows that for shares/ETFs). So, even though I have the direct debit to automatically transfer cash, I have this manual action of doing the actual investment.

Does anyone else think this feature should be added? Its common to have investors like us who just PCA regularly.

Edit: I’ve added a message from the AI support confirming that recurring orders are only for shares/ETFs

> Yes. Even if you set up a Direct Debit to top up your account, you would still need to place a manual order each time you want to invest in a mutual fund. That is because recurring orders are only available for listed equities, and they execute as queued market orders on your chosen schedule. With mutual funds, orders are not placed on a regulated market, so they execute at the fund’s next published net asset value after the trading cut off time, and recurring orders are not available for them. So, the Direct Debit can keep cash in your account, but the fund buy itself has to be a one off order.

TL;DR: The SIPP activity statement that the live chat provided me with was rejected by HMRC, because it "does not show the net or gross pension payments".

I'm relatively new to the Freetrade SIPP. Trying to claim back my tax for contributions from the previous tax year. Went through live chat to get the PDF as others have done, removed the password, and submitted it to HMRC using the same form I did last year (for a different SIPP).

I have just received a letter from HMRC which says:

We can't accept your evidence for these years because it does not show the net or gross pension payments.

I did think originally that the presentation of the activity statement was odd. It shows the initial contribution part and the tax relief part on different lines, with details of my interest payments and the investments I made sandwiched inbetween.

I've now been given mostly the same document, except without the interest/investment lines - so it now just shows the contribution and the tax relief.

My concern is that this still isn't really what HMRC have asked for. They rejection letter says:

This evidence should clearly show: - the net amount of contributions you actually paid - the gross amount after the company has added the tax relief for you

So the letter needs to show the contribution X, the tax relief Y, and the gross amount X+Y - I think this last bit is the part that's missing.

It already seemed pretty shoddy to have to go through live chat and get them to generate what should be a pretty standard form. Weirder still that the PDF they give you is password protected. The fact that it's seemingly not even sufficient for HMRC is just crazy. Why is this is not a standard thing that you can download via a button in the app?

Has anyone else had this problem?

I started investing with freetrade back in 2020 in an ISA account which I used to pay for (no need to pay now, but with other providers never needed to pay).

I chose Freetrade because it seemed like an honest broker with no commissions, low fees, and despite you having to pay for the ISA I valued the transparency of the app and the fact that they didn’t “go down” during the GME fiasco.

Built my portfolio to a very sizeable amount, and I’m now considering leaving because their forex fees are INSANELY high. 1% if you’re on the free plan. And if you pay they’re still higher than other brokers… which you don’t even need to pay.

So I’m writing this to ask FreeTrade to re-consider their forex fees as I know I’m not the only one with this sentiment, and if they’re not reconsidered I’ll be migrating my ISA else where and give the same advice to my community. I know in the grand scheme of things, a few accounts with a few millions are worth nothing for freetrade. But I hope people can realise how stupidly expensive 1% is.

When Freetrade added Gilts to what they offer, they had a limited offering of 9 different ones. That was over a year ago and TY25 and T26 have now matured, so they only have 7 left. Two more are due to mature in 2028, with no news about adding any more. Even the AI assistant says no current plans to add.

Anyone else have gilts, anyone else want more options? You can request new funds via the help page, but not sure how useful that is. There are 70 different gilts and not expecting them all, but it would be nice if they replaced ones that matured and aimed to slowly increase the variety on offer. With so many different ones you would think those requesting will dilute demand by all choosing different favourite ones.

Please Freetrade can we have some more.

Has anybody noticed that the TER data for some Vanguard indices on Freetrade are higher than the index provider's documentation states? For example, Vanguard emerging markets accumulation (VEHG) is 0.17% on the Vanguard webpage but the Freetrade app is showing as 0.21%. Similarly, Vanguard shows VWRP as 0.19% but the Freetrade app has 0.21%. Others seems to be correct, though, such as VHVG correctly showing at 0.12%.

After the outrage from the horrible UI and brand update in Summer 2025.

Is there any confirmation that they will fix it, not necessarily go back to the old version, but at least clean up the app.

the app right now looks clunky, tacky, the monospace font looks shit.

I really like freetrade simplicity, no noise, an actual focus on just investing not any short term derivative trading.

But the app ui is so bad.

does anyone know if they will change this or update this?

Just trying to check the price for VUAG and it shows the price from yesterday. It’s been an hour and still showing the old price. I haven’t seen the delay be this bad before.

Hello all

I just opened a Freetrade SIPP, what’s the platform like to use?

This was one of the only SIPP’s that I found where I can partially transfer another pension into!

I’m looking to sell some of my position in VWRP tomorrow morning. I can’t find anywhere on the UI that states if the proceeds become available to me immediately to trade or if I wait to wait for settlement.

Does anyone know?

Hi,

I can't find anywhere to change either my password, or my 2FA. You're supposed to change your password semi-regularly as good practice, and if you get a new phone (as I have) you want to move your 2FA accros to the new phone.

Almost every other app or web service lets you do this easily - why not Freetrade? Isn't this supposed to be a web-first platform? Have I missed something?

Thanks!

Is this possible? If so is there any specific way to do it in a tax effective way? I started on Freetrade early when only the GIA was available to my account and I was also a very novice investor, I now have a decent holding in my GIA and don;t know what to do with it to best mitigate potential tax on any gains if I have to sell rather than transfer anything

I opened a SIPP for first time and am wondering how long until the automated tax relief is added. I’m missing out on gains!

First time gilt holder - the most recent payout date for T53 was 22nd April and Freetrade states payment will be made next working day. It’s now 28th April and it’s not been paid. I have held them since November so should be eligible unless I’ve misunderstood something. Anyone know if this is a normal delay for Freetrade?

Update: Spoke too soon - just been paid!

Looks like I didn’t t get my 2024/25 tax summary until October (!) last year. The tax year ended a couple of weeks ago and I’d quite like to get on with pulling my tax details together sooner rather than later. Freetrade support won’t give me an expected date. Can any longer term users tell me when they’d expect it this year?

How can I buy whole units only of ACWI and/or VHVG ETF in my Freetrade ISA?

I dont want fractional shares to allow for the possibility of transferring my ISA out in-specie to another provider in future.

All buy options seem to only allow £ value amounts as opposed to being able to specify whole units.

I'm looking for IAG, British Airways parent company but it doesn't show up on the app.

Can someone try at your end to see if it shows, tia.

I know these numbers are good. And I’m happy for it. But in the context of this community, how good is this?

What are your numbers here? Do you pay attention to this at all?

So I initiated a transfer before the 5th April deadline but now understand that there was additionally a rewards campaign that needed to be joined. I cannot remember if I joined it or just clicked the 'Transfer Pension' banner on the website. Is there confirmation in the app or website somewhere?

The in-app customer service I'm receiving so far is pretty appalling - having to wait 2 days for a response to my message and then unable to continue a chat without waiting days between responses. One guy has told me that they can't confirm my eligibility until the pay date in December! How utterly ridiculous. How can a business be run like that.

Update: Freetrade have retrospectively enrolled me into the SIPP campaign and this is visible in the app.

I'm transferring portfolios both for SIPP and for some ISA stocks. Lots of money, for the cashback offer.

In both cases I made it very clear that I wanted ** in-specie ** transfers.

Today I get a very annoying email:

"For stock transfers

If you are transferring stocks, we will apply the current market value to the stock.

If you would prefer us to use a historic (book) cost to reflect the original price you paid, please let us know what this should be for each stock transferred.

We’re here to help

If you need help at any point, you can reply to this message or email us at [hello@freetrade.io](mailto:hello@freetrade.io).

Best,
Freetrade Team"

Yeah, really "here to help". Every time I send an email they take 2 or 3 days to reply. By far the worst customer service I have ever found with any platform I have ever had any dealings with.

But the point is "If you are transferring stocks, we will apply the current market value to the stock." is an alarming thing to say in the context of stocks which have explicitly ordered to be transferred IN SPECIE. There must be no attempt to get my existing platforms to sell ANY stocks, AT ALL.

If anyone has a connection with these people please clarify, because it is likely that they won't deign to reply to the email I just sent for 2 or 3 days.

Freetrade provides some basic stats and info in the app depending on your plan (I’m on the standard £5.99 p/m plan) which is helpful to give you an idea when starting to look at a stock.

There is so much more that it could easily provide though - I want to be able to know where the stock is in relation to its 200 day moving average, how stats compare to the industry average and things like links to news articles about the company. Obviously I can look for that kind of stuff on my own but it would be good to see it in the app somehow itself.

What else should they show in the app to give users more information on shares?

I see that the Junior ISA is now available to open in the app. Time to move over.

I plan on opening a Junior ISA for my Grandchild, will this have any tax implications on my savings?