How to withdraw money from AJ Bell (UK guide)

Disclaimer: The information in this article is for reference purposes only. Wise does not offer to buy or sell stocks, and all information on this page should not be considered financial advice. All investment decisions should be made after thorough research and consultation with a qualified financial advisor. Remember that investments, even in low-risk funds, are never guaranteed and your capital is at risk.

AJ Bell is a UK-based investment platform with more than 620,000 customers, which offers ISAs, pensions, cash savings and share dealing accounts¹. With the latter, you can invest in thousands of stocks and over 2,000 funds, trusts and ETFs.

If you’ve already signed up with AJ Bell and have used its platform to buy investments, one of the things you’ll need to know is how to access your earnings.

In this guide for UK investors, we’ll be looking at how to withdraw money from an AJ Bell account. This includes a step-by-step guide to the process and info on any fees you might have to pay.

Let’s start with how to sell investments - a necessary step before you can withdraw funds to your bank account.

How to withdraw my portfolio from AJ Bell

If you have money in your AJ Bell account that you’d like to withdraw, you can carry straight on to the steps below.

But if you have shares you need to sell first, you’ll need to do the following:²

1. Login to your account online at the AJ Bell website or via the AJ Bell mobile app
2. Go to ‘Buy and Sell’ from the menu
3. Choose the investment you’d like to manage
4. Follow the on-screen steps to sell investments, including entering the number of shares or the cash amount you’d like to sell
5. Check the details and confirm the trade.

You can also give AJ Bell a call on 0345 54 32 600 to sell investments or withdraw your portfolio from the platform.

Before you sell any investments though, it’s recommended to seek some professional advice. You might find there are tax or other implications related to selling shares or funds.

Once you’ve sold your investments, you should now have some cash in your AJ Bell account. The next step is to withdraw it directly to your bank account - read on for a detailed walkthrough of the steps involved.

Step 1: Login to your AJ Bell account

The first step is to go to the AJ Bell website (ajbell.co.uk) and sign in to your account. You can also access your portfolio via the AJ Bell mobile app if you prefer managing your investments on your phone.

Either should be easy to do, providing you remember the login details (username and password) you used to register for an account on the platform. You can always use the ‘Forgot your password?’ option if you get stuck.

Step 2: Add a registered bank account

If you’ve bought investments on the AJ Bell platform, you’re likely to have added a nominated bank account already. This is what you’ll use when funding investments, but it’s also needed for withdrawing funds.

But if you’ve not done it already, you’ll need to go to your account menu and enter your bank details. You may have to complete verification steps before you can make your first withdrawal - such as emailing a bank statement to AJ Bell.

Step 3: Withdraw money

With a registered bank account added to your AJ Bell account, you’re now ready to withdraw your money.

Here’s how to do it:³

1. Login to your AJ Bell account
2. Select the account you’d like to withdraw from - whether it’s a dealing account or a stocks and shares ISA
3. Select ‘Withdrawals’ from the account menu
4. Select the bank account you want to send the money to - this will be your nominated bank account
5. Enter the amount you’d like to withdraw
6. Check all of the details carefully, read the withdrawal conditions and confirm once you’re happy with everything
7. Complete authentication and security steps when prompted.

The above is the process for withdrawing from an AJ Bell Stocks & Shares ISA or Dealing account. If you’re withdrawing from other accounts (such as a Lifetime ISA, SIPP or pension, for example), the process is likely to be different and some restrictions or conditions may apply.

Step 4: Complete verification steps (if required)

If it’s the first time you’ve made a withdrawal from AJ Bell or you’ve recently changed your bank details, you might need to complete an additional verification step.

To prove that you are the owner of the bank account, you may be asked to email a copy of your bank statement to withdrawal@ajbell.co.uk. You can also post it if preferred, sending it to the following address:⁴

AJ Bell
4 Exchange Quay
Salford Quays
Manchester
M5 3EE

You’ll receive confirmation that your account has been verified from AJ Bell, and then you’ll be free to make withdrawals.

Step 5: Receive confirmation and wait for your withdrawal to be processed

Once you’ve submitted your withdrawal request, you should see an on-screen confirmation that it is being processed. You may also receive a confirmation email or SMS from AJ Bell.

All that’s left to do is wait for the money to be delivered to your bank account. Now, how long does an AJ Bell withdrawal take?

While it can vary, the money should arrive within 1 to 3 working days.³ If it doesn’t or you have any other issues, you can contact the AJ Bell customer support team.

You can start a web chat, email help@ajbell.co.uk or call 03455 432 600 - available Monday to Friday from 8am to 7pm and Saturdays from 10am to 2pm.

AJ Bell withdrawal fees

AJ Bell doesn’t charge any fees for withdrawals. This means you can move money to your bank account whenever you like, without worrying about withdrawal fees.

Don’t forget that there may be currency conversion fees to pay, as well as trading fees if you’re selling investments before cashing out.

Read our AJ Bell investment platform review below for more information on the fees and features available.

📚 AJ Bell review

Use Wise to save on currency conversion when withdrawing from overseas investment platforms

If your investments or RSUs are held in an overseas investment or equity compensation platform, you may get an unpleasant surprise when you come to withdraw money.

You might find that a sizable chunk has been lost to currency conversion fees and poor exchange rates. For example, this can happen when sending or transferring proceeds in USD to a UK account denominated in GBP. If you’re withdrawing or transferring a lot of money, it could add up to hundreds of pounds.

Luckily, there’s a way to shrink these currency conversion costs right down.

Open a Wise account and you can receive money in other currencies for free by

turning on local account details (restrictions apply).

Once you have all your dollars in Wise, you’ll then have complete control over the currency conversion. You can convert your money to GBP within your Wise account at the mid-market exchange rate, for low, transparent fees*.

You can do this instantly or hang onto the USD to use your Wise account for other US-based investments when the time is right. It’s completely up to you.

Open your Wise account 🌍

And that’s about it - all the essentials you need to know about withdrawing money from an AJ Bell account in the UK.

We’ve covered all the important stuff, including how to add a registered bank account, the steps to withdraw funds and how long it takes. And of course, whether there are any fees.

After reading this, you should now be all set to make your first withdrawal from your AJ Bell investment account. You should find it pretty straightforward to do, but remember that you can always contact the platform’s customer services team if you have any questions.

Just make sure you check all the details of your withdrawal before confirming it.

You might also want to seek professional advice before making a withdrawal. An expert can help you understand any potential tax implications of selling investments or withdrawing money.

Sources used:

1. AJ Bell - no. of customers and investment products
2. AJ Bell - selling investments
3. AJ Bell - withdrawing funds, fees and delivery times
4. AJ Bell - verification

Sources last checked on date: 22-Aug-2025