Our platform

Nucleus offers a full range of accounts

We offer access to a range of tax wrappers, over 6,500 different investment choices, and simple, tiered pricing structure with no hidden charges.

Our accounts

The Nucleus Pension account

We provide a flexible self invested personal pension that you can adapt to suit your specific life stage.

Nucleus Isa account

The Nucleus Isa account is a tax-efficient stocks and shares savings account.

Nucleus General account

The Nucleus General account allows you to hold unlimited contributions and a wide range of assets in one account.

Nucleus Onshore Bond account

This is an investment-linked whole of life assurance policy, issued by CASLP Ltd.

Nucleus Offshore Bond account

The Nucleus Offshore Bond is a tax-efficient savings vehicle provided by RL360.

Nucleus Jisa account

The Nucleus Jisa account is a stocks and shares Junior Isa, providing a tax-efficient investment solution for children under 18.

Please remember, tax rules can change and may affect you depending on your individual circumstances.

Investment returns aren’t guaranteed. The value of an investment can go down as well as up and may be less than the amount(s) paid in.

Our charges

Nucleus is completely open - with no hidden charges on accounts or dealing. Our charging structure is simple and transparent and starts from 0.33%, with tiering for large cases to 0.05%. Unlike other wrap platforms, we won’t charge you for transferring money, moving into drawdown, or for day-to-day trading of funds.

Members of the UK Platform Group have developed a factsheet to help consumers compare platform charges – the factsheet outlines the types of charges imposed by platforms and the different labels that are used across the industry to describe such 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. Further information on how we manage your cash interest can be found here.

We actively manage platform cash with the banks we work with. In 2022, this approach has made it possible for us to pay you 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). More details on your financial protection can be found here.

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

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:

% of interest earned% 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%

Contact us

If you need to get in touch with us you can get us on live chat or phone our client contact team.