Fidelity International

What Fidelity International does

Fidelity International, operating under FIL Limited since 1969, is a privately held UK-headquartered asset management and retirement platform headquartered in London. It serves approximately 1.7 million customers managing over £40 billion in investments, delivered through four primary channels: a direct-to-consumer Personal Investing platform (ISAs, SIPPs, Junior accounts, Investment Accounts, share dealing); Fidelity Adviser Solutions, which provides platform infrastructure to UK financial advisers and IFAs; workplace pension administration for UK and international employers; and institutional products including the FILQ tokenized money market fund launched in May 2026. Sub-brands include Personal Investing, Fidelity Adviser Solutions, Fidelity Workplace Pensions, the Investor Centre in London, and FILQ.

The technology stack combines a long-running investment platform with newly added digital-asset and open-banking capabilities. The FILQ fund is built on Sygnum's Desygnate tokenization platform, uses Chainlink for on-chain NAV reporting, sources daily NAV from JPMorgan's 24/7 digital markets, and is administered by Apex Group with Archax and Silent Data (Applied Blockchain) supporting regulated distribution and privacy. Consumer-facing layers include Tink-powered open banking top-ups (settling in under 40 seconds), a Wealth Wizards-powered retirement calculator with predictive modelling, and tools such as Select 50, Navigator, Investment Finder, and Retirement Builder for fund discovery.

Revenue is generated through platform/management fees on ISAs, SIPPs, and investment accounts (typical SIPP service fee of 0.35%), subscription-based adviser platform services (model portfolios, reporting, re-registration), transaction fees for share dealing (£7.50-£10.00 per UK trade), FX trading operations across Dublin and APAC, and emerging institutional/filQ flows. The firm is FCA-regulated (Financial Administration Services Limited, register 122169) and PRA-authorised via FIL Life Insurance Limited, and participates in UK regulatory exercises including the Bank of England's 2026 private markets stress test.

Name

Fidelity International

Legal name

FIL Limited

Website

https://fidelity.co.uk

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Fidelity International is a privately held UK asset manager and retirement platform serving 1.7 million customers with over £40 billion in investments through direct investing, financial adviser, workplace pension, and institutional channels.

Ownership category

akta.pro rank

Product category

Investment Management

NAICS

Portfolio Management and Investment Advice (523940), Pension Funds (525110), Open-End Investment Funds (525910), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA)

akta.pro secondary industries

Institutional Consultants & Fiduciary Management (Investment Consulting) (FSAAAGAJ), Money Market Funds (FSAAAEAC)

Keywords

• Investment management
• Retirement solutions
• Wealth management
• Asset management
• Pension administration

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others, Infrastructure

Revenue model

1. Platform/Management Fees: Fidelity charges service fees for investment accounts, SIPPs, and other investment vehicles. Typical service fee of 0.35% for SIPP accounts. Investment charges from funds and shares are set by the fund companies.
2. Adviser Platform Services: Fidelity Adviser Solutions provides platform services to financial advisers, including reporting, re-registration, and administrative services for client accounts
3. Transaction/Trading Fees: Charges for share dealing and other investment transactions. Fees vary by transaction type and account

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Fidelity International provides investment and retirement solutions to UK individual investors, financial advisers, UK employers, and institutional clients. Core offerings include tax-efficient personal investment accounts (ISAs, SIPPs, Junior ISAs, Investment Accounts), a workplace pension platform, the Fidelity Adviser Solutions platform for financial advisers, and the FILQ tokenized money market fund for institutional investors. The company serves 1.7 million customers with over £40 billion of investments under administration.

Product overview

Fidelity International operates as a multi-channel investment and retirement platform offering both direct-to-consumer (Personal Investing) and adviser-facing (Fidelity Adviser Solutions) services, alongside workplace pension management. The core platform provides tax-efficient investment accounts including ISAs and SIPPs, with supplementary products like Ready-made ISAs, Select 50 curated funds, Navigator fund discovery, and Investment Finder search tools. For advisers, the platform offers Model Portfolio Services including the Fidelity WealthBuilder MPS. The company has recently expanded into digital assets with its FILQ tokenized money market fund (May 2026), leveraging blockchain infrastructure from Chainlink, Sygnum Bank, and JPMorgan. Retirement planning tools include a Wealth Wizards-powered retirement calculator and Junior ISA/Junior SIPP accounts for children's future. The platform serves 1.7 million customers with approximately £40 billion in investments.

Differentiator

Problem solved

Functional benefit

Brands

• FILQ: Tokenized money market fund launched in May 2026, offering institutional and professional investors 24/7 liquidity using blockchain infrastructure.
• Fidelity Adviser Solutions
• Fidelity Investor Centre (London)

Products and services

• Personal Investing
• Stocks and Shares ISA
• Self-Invested Personal Pension (SIPP)
• Junior ISA
• Junior SIPP
• Ready-made ISA
• Fidelity Adviser Solutions
• Fidelity WealthBuilder Model Portfolio Service
• Model Portfolio Service (MPS)
• Workplace Pensions
• FILQ Tokenized Liquidity Fund
• Fidelity Disruptive Automation ETF (FBOT)

Quantifiable outcome

• 1.7 million customers trust Fidelity with over £40 billion of investments (as at 31.03.26)
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• Bank of EnglandcoreOthers · 1 June 2026Fidelity International agreed to participate in the Bank of England's first-of-its-kind system-wide stress test for private markets, alongside 45 other firms including Blackstone, KKR, BlackRock, and Apollo.
• Sygnum BankcoreTechnology or Integration · 1 May 2026Sygnum Bank provides the Desygnate platform for Fidelity International's FILQ tokenized money market fund. Sygnum's tokenization infrastructure enables the fund's digital asset functionality.
• ChainlinkcoreTechnology or Integration · 1 May 2026Chainlink provides automated on-chain NAV reporting for FILQ tokenized fund, publishing NAV and distribution metrics onchain for transparency and verification.
• JPMorgan ChasecoreTechnology or Integration · 1 May 2026JPMorgan supplies daily NAV data for FILQ tokenized money market fund through its 24/7 digital markets infrastructure.
• Apex GroupcoreTechnology or Integration · 1 May 2026Apex Group provides transfer agency services supporting the FILQ tokenized fund's administration and investor services.
• TinkcoreTechnology or Integration · 1 December 2025Fidelity International partnered with Tink, a Visa-owned open banking platform, to enable Pay by Bank account top-ups for Personal Investing customers and Fidelity Adviser Solutions clients. Supports ISA, SIPP, Cash Management, and General Investment Account funding with real-time transfers settling in under 40 seconds.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform offering ISAs, SIPPs, funds, and shares. Most directly comparable competitor to Fidelity Personal Investing with overlapping retail customer base and similar product mix.
• AJ Bell: UK investment platform serving retail investors and advisers with SIPPs, ISAs, and dealing services. Direct competitor in both Personal Investing and Adviser Solutions segments with comparable fee structures.
• Interactive Investor: UK flat-fee investment platform offering ISAs, SIPPs, and trading accounts to retail investors. Competes head-to-head with Fidelity Personal Investing on price transparency and customer experience.
• Schroders: UK-headquartered global asset manager offering institutional, intermediary, and wealth management services. Comparable in scale and UK heritage, with overlapping fund ranges and adviser platform offerings.
• Aberdeen (abrdn): UK-based global asset manager with significant workplace pensions, adviser, and institutional businesses. Closely comparable business mix including UK platform and investment solutions.

Broad incumbents

• Aviva Investors: UK asset management arm of Aviva plc offering workplace pensions, adviser platforms, and institutional mandates. Broader incumbent with insurance parent but overlapping in workplace pensions and adviser services.
• Legal & General Investment Management: UK asset manager and workplace pension provider with significant institutional and retail reach. Competes in workplace pensions and index/passive strategies relevant to Fidelity's fund offerings.
• M&G Investments: UK asset and wealth manager with retail and institutional offerings including ISAs, SIPPs, and adviser platforms. Part of broader M&G plc with comparable UK platform and fund management business.
• BlackRock: Global asset management leader with significant iShares ETF franchise and institutional business. Directly comparable in tokenized money market fund (BUIDL) competing with Fidelity's FILQ product.

Others

• Vanguard UK:

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xinstagram.com/fidelityinternational?igshid=1xryxyc5k8555
• Facebookfacebook.com/FidelityUK

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fidelity International