Our platform

A range of tax-efficient wrappers

Your clients can benefit from a spectrum of tax wrappers and investment accounts as part of one portfolio. All are integrated on our platform, so can be viewed in one place.

The tax treatment of an investment or savings product depends on the individual circumstances of each client and may be subject to change in future.

Past performance is not a reliable guide to future performance. The value of an investment can go down as well as up, and may be less than the amount(s) paid in.

Third party wrappers

We've developed links and relationships with a number of third-party providers to allow clients to invest in the Nucleus General account within additional wrappers, such as self-invested personal pensions (SIPPs). This allows clients to benefit from the investment range and functionality of Nucleus, while using a specialist product wrapper.

Here’s a list of the available third party providers. We don’t recommend or endorse any particular product provider available through our platform.

  • @SIPP
  • Canada Life
  • Dentons
  • Hornbuckle
  • Ioma
  • IPM
  • James Hay
  • Liberty 
  • Royal Skandia
  • CASLP Ltd ('CASLP')*
  • Curtis Banks
  • Westerby
*CASLP Ltd ('CASLP') does not allow re-investment into the Nucleus General account.

Charges – competitive, transparent pricing

Our aim is to offer fair, sustainable and transparent pricing. At Nucleus there are no hidden surprises and no hidden charges. What you see is what you get. We offer a simple, tiered pricing structure, which means you can offer excellent value for money to clients whatever the size of their portfolio.

By consolidating products currently held across multiple providers, clients can enjoy lower overall costs. Family accounts can also be linked to further minimise fees paid between a husband and wife or civil partnerships.

We don’t charge fees for set up, drawdown, switching or administration. The only additional charges are for onshore and offshore bonds and equity dealing through our trusted partners. This transparent and simple approach means you can be clear about how your client could be charged over the lifetime of their portfolio.

Platform charge

Asset value

Standard charge
Up to £0.50.33%
£0.5 to £1m0.175%


Other charges
  • Offshore bond: Account opening charge of £100 and additional annual charge of 0.15%
  • Onshore bond: Additional annual charge of 0.10%
  • Equity dealing: 0.035% transaction charge subject to a minimum of £3.50
There are no
  • Initial charges
  • Fund switching charges
  • Transfer on or off charges
  • Drawdown set up charges
  • Charges for cash withdrawals
  • Model portfolio charges
  • Valuation, statement or any other administration charges

Our approach to cash interest

We changed our approach to how we manage interest on platform cash with effect from July 2022. We’ll still pay interest on a quarterly basis, but we’ve updated the way we calculate it.

We actively manage platform cash with the banks we work with. In 2022, this approach has made it possible for us to pay your clients almost 10 times more interest for Q3 than we did for Q2 and a further 2.5 times for Q4. The table below shows the detail of this. And in the near future, we expect to pay even more.

We deposit platform cash with a carefully selected panel of banks. We’ll only use banks which are authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority, and are covered by the Financial Services Compensation Scheme (FSCS).

The table below shows how we’ll share the interest generated on cash with your clients.

Earned interest rate             (per tier)

%of earned interest rate paid to customers (per tier)
0.00% - 1.00%No interest paid
From 1.00% - 1.50%50%
From 1.50% - 5.00%75%
Above 5.00%90%
 This table shows the rates of interest we have earned and paid:

Rate of interest earnedRate of interest paid
2022 Q10.02%0.02%
2022 Q20.05%0.05%
2022 Q31.80%0.48%
2022 Q42.81%1.23%
2023 Q13.55%1.79%
2023 Q24.28%2.34%
2023 Q34.93%2.82%

Getting in touch with us couldn't be easier

Are you interested in becoming a Nucleus user? Then simply click on the button below to contact one of our regional business development directors who'll be delighted to help. If you're an existing user, hit the button below to download your regional contact sheet.