Aviva investment platform review

Is Aviva any good?

Which? members can exclusively read the results of our unique customer satisfaction survey.

Members can log in to read our analysis. If you're not already a member, join Which? to get full access to these results and all our reviews.

What do customers say about Aviva?

• ‘Aviva is a platform that allows me the flexibility to self-manage my portfolio.’
• ‘I feel l can keep on top of what is happening to my investments. It keeps me in touch with the markets.’
• ‘Never had any problems with them, but nothing exceptional.’

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: 

• 0.4% of the value of your portfolio, capped at £45 a year for shares, trusts and exchange-traded funds (ETFs)

Trading charge: 

• No trading charge for funds
• £7.50 for trading shares, trusts or ETFs

Foreign exchange charge: 

This applies to each trade of investments denominated in another currency, for example US stocks, on top of fund and trading charges.

• 0%

Fund charge:

• Depends on which funds you select, but ranges from 0% to 3.29% with an average of 0.83%

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. 

• Find out more: Compare investment platform fees and charges 

What can you invest in with Aviva?

Aviva 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

• 5076 funds (OEICs, multi-asset funds)
• 166 trusts 
• 855 exchange-traded funds
• 894 stocks

Correct as of January 2024

Is Aviva good for ethical investors?

Aviva's Investment Preference Tool presents you with several issues 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