Why not Youinvest?

There are plenty of platform comparison sites around, I'm sure some kind soul will post a link. YI are one of the more expensive platforms. However, my experience is that they are reliable, the UI is easy to use and they respond to queries in a helpful manner, so as a user I am not too concerned at the charges. I have no idea what the transfer out fees are though.

I use Bell since the days when their Youinvest service was called Sippdeal and they're fine. When they changed the fee structure last time I was not really affected because a majority of my money is not in funds, but shares or ITs instead. It is worth plugging your scenario into the various comparison tools. At 0.25% they are not really one of the more expensive platforms, as pretty much all the percentage-based platforms are at least 0.25% or higher including the DIY ones and the ones typically used by intermediaries / IFAs. Vanguard is an outlier with its lower percentage but obviously restricted to its own products. Obviously for someone with a high value of funds to put on the platform, any percentage based provider will eventually be more than the flat fee ones.

For someone paying in monthly, the £1.50 a trade for funds or for regular investing in ITs or shares is not really a lot of cost per year, and is cheaper than you'd pay for deploying your 12 monthly contributions at IWeb as they have no 'regular investments program' to reduce the dealing fees.

But if you had £100k of funds under administration that would be £250 a year which would cover a lot of trading fees at IWeb (although you might find that not all the funds you want are available at IWeb of course). My SIPP is bigger than that but my funds component isn't.