How much notice is given before charges or terms change?
Answered for 6 of 6 firms. A notice period clause in the client agreement. Agreements ordinarily state one period for changes to the agreement as a whole; where charges carry a separate period, record both.
FREETRADE LIMITED
Verifiedwe will give you reasonable prior written notice of any change
The client agreement states that Freetrade will give reasonable prior written notice of any change to the agreement.
Binding document · Freetrade Limited · changes to the agreement clause · Check the source
We will give you at least 30 days' notice of any change to these Terms that may be detrimental to you, unless we are required to make the change sooner (for example for regulatory reasons)
The document states that at least 30 days' notice will be given of any change to the Terms that may be detrimental to the client, unless required sooner for regulatory reasons.
Binding document · Hargreaves Lansdown Asset Management Limited · Check the source
or if the change relates to a reduction in the interest rate paid on any cash you hold within the HL Service, in which case we will give you at least 14 days' notice of such change.
The document states that where a change relates to a reduction in the interest rate paid on cash held within the HL Service, at least 14 days' notice will be given.
Binding document · Hargreaves Lansdown Asset Management Limited · Check the source
MONZO BANK LIMITED
VerifiedWeʼll give you as much advance notice as we can of any change to the fees you need to pay in relation to investments in your investment account.
The agreement states that Monzo will give as much advance notice as it can of any change to fees payable in relation to investments in the investment account.
Binding document · Monzo Bank Limited · Check the source
Otherwise we'll give you at least 30 days' notice and tell you our reasons in the most secure way, using one of our usual channels.
The document states that Monzo will give at least 30 days' notice of changes and explain its reasons.
Binding document · Monzo Bank Limited · changes to fees · Check the source
STARLING BANK LIMITED
Verifiedwe’ll let you know about any changes we make at least two months before they come into effect.
The agreement states that customers will be told about changes at least two months before they take effect.
Binding document · Starling Bank Limited · Check the source
TRADING 212 UK LIMITED
VerifiedWhere we serve notice to terminate this Agreement, we will provide you with at least thirty (30) days' notice.
The client agreement states that where Trading 212 serves notice to terminate the Agreement, it will provide at least thirty (30) days' notice.
Binding document · Trading 212 UK Limited · Check the source
we shall always give you at least thirty (30) days’ written notice before we make the change, except as required by Applicable Law or regulation.
The client agreement states that Trading 212 will give at least thirty (30) days' written notice before making a change to the Agreement's terms.
Binding document · Trading 212 UK Limited · Check the source
If we lower the interest rate you receive, we will give you at least one(1) day's notice. If we increase the interest rate to your advantage, we will apply the changes immediately and not send a notice.
The client agreement states that if the firm lowers the interest rate paid to the client, it will give at least one day's notice, and if it increases the rate the change is applied immediately without notice.
Binding document · Trading 212 UK Limited · Check the source
you shall pay the charges and/or commissions details of which are set out in the Terms & Fees and may be amended from time to time by written notice from us to you.
The client agreement states that charges and commissions set out in the Terms & Fees may be amended from time to time by written notice.
Binding document · Trading 212 UK Limited · Check the source
WISE PAYMENTS LIMITED
VerifiedWe may change this Agreement by giving you at least two (2) months’ prior written notice.
The agreement states that Wise may change the Agreement by giving at least two months' prior written notice.
Binding document · Wise Payments Limited · Check the source
Every firm here was asked the same question against the same published standard, and every answer quotes the passage it came from. Where the answers differ, the difference is in the firms’ own documents, not in how we read them.
Darker text marks stronger evidence. A statutory register prints at full strength; a firm’s own marketing prints lighter. The methodology sets out the weightings.