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Aviva investment platform review
Is Aviva any good?
In our latest customer satisfaction survey, Aviva received a customer score of 79% for its stocks and shares Isa, putting it 1st out of 25 providers.
Customers of Aviva’s stocks and shares Isa rated it highly for overall customer service, giving it four out of five stars.
However, although it's among the cheapest platforms for investors with portfolios of £5,000 or less, it starts to become more expensive than its competitors for investors with £25,000 or more. This means it misses out on Which? Recommended Provider status.
As well as insurance and pension services, Aviva operates a DIY investment platform and also issues its own funds (through Aviva Investors).
Aviva is one of few platforms that charges no foreign exchange fees – meaning investing in US shares will cost the same as UK shares.
The minimum investment to use the platform is £25 a month.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an investment platform before committing to any financial products.
- Find out more: Best investment platforms in the UK 2025
Aviva stocks and shares Isa star ratings in more detail
| Aspect of service | Star rating |
| Customer service | |
| Ease of use | |
| Information on investments | |
| Value for money |
What do customers say about Aviva?
Comments from Aviva customers that took part in our survey include:
- ‘Gives good service, always making sure you are happy if you have had any problems.’
- ‘I feel l can keep on top of what is happening to my investments. It keeps me in touch with the markets.’
- ‘Value for money, great phone app, and provides flexible options.’
Visit Aviva to find out more about its accounts, services and investment options.
How much does Aviva cost?
There's no difference in fees whether you're investing in an Aviva stocks and shares Isa or general investment account.
Platform annual charge:
- For shares, trusts and exchange-traded funds, the charges are up to 0.4% of the value of your portfolio, capped at £45 a year
- For funds, the charges are 0.4% on the first £50,000 of funds, 0.35% on the next £200,000 of funds, 0.25% on the next £250,000 of funds, 0% on any amount over £500,000
Trading charge:
- No trading charge for funds
- £7.50 for trading shares, trusts or ETFs
Foreign exchange charge:
- 0%
Foreign exchange charges apply to each trade of investments denominated in another currency, for example US stocks, on top of fund and trading charges.
How much would I pay to invest with Aviva?
We've estimated the cost of investing over the course of a year in an Aviva stocks and shares Isa, assuming that you make four purchases and four sales each year.
Costs will vary depending on how much you invest and whether you trade funds or shares.
| Amount invested | Annual fund charges | Annual shares, ETFs and investment trusts charges |
|---|---|---|
£5,000 | £20 | £80 |
| £10,000 | £40 | £100 |
| £25,000 | £100 | £105 |
| £50,000 | £200 | £105 |
| £100,000 | £375 | £105 |
| £250,000 | £900 | £105 |
| £500,000 | £1,525 | £105 |
Table notes: Annual charges include platform fee and any trading charges. We have not included other charges that might apply, such as foreign exchange fees or fund management charges that are levied by fund managers, as these vary depending on the specific investments you hold. Fund management fees can range from less than 0.1% for some passively managed 'tracker' funds, to 1.25% or more for actively managed funds or investment trusts.
- Find out more: Compare investment platform fees and charges
What can you invest in with Aviva?
Aviva accounts and services
Find out more about Aviva by using the links below to view their accounts and services:
- General investment account
- Stocks and shares Isa (flexible)
- Self-invested personal pension (Sipp)
- Income drawdown
- Savings account
- Ready-made portfolio
- Annuity
- Find & Combine pension service
Investments on Aviva
- 5,010 funds (OEICs, multi-asset funds)
- 147 trusts
- 742 exchange-traded funds
- 841 stocks
Correct as of January 2025
Is Aviva good for ethical investors?
Aviva's Investment Preference Tool presents you with several options and allows you to choose which types of company to exclude from the funds, for example high-impact fossil fuels or unfair employment practices.
If you want to invest ethically through Aviva, it's one of only a few platforms to provide both an ESG (environmental, social and governance) filter on available investments, and a breakdown of a fund’s top 10 holdings, so you can easily see what’s going on in the fund. Similarly, it includes a breakdown of the asset allocation and sectors included in the fund.
- Find out more: Ethical investing explained
Is your money safe with Aviva?
Aviva is regulated by the Financial Conduct Authority (FCA) and covered by the Financial Services Compensation Scheme (FSCS).
When you invest with an investment platform that's registered with the FCA, your money will be ringfenced and should be returned if a company goes bust without you having to wait alongside other creditors.
If ringfencing failed, you would be compensated by the FSCS.
The FSCS will cover up to £85,000 of investments per person, per platform. You can claim for free online at www.fscs.org.uk; there's no reason to use a claims-management company.
You won't be compensated for investments falling in value, or if a company in which you hold shares goes bust, unless this poor performance resulted from bad advice given by a regulated independent financial advisor that has since gone bankrupt.
- Find out more: How the FSCS works