It's calculated on or around the last day of the month, then collected from the available cash in your account(s) about 3 weeks later.
Don't worry about remembering this though, you'll get a reminder every month, a few days before the charges are collected.
Between 1 February 2026 and 30 April 2026 you can take part in our fee free ISA offer and not pay account fees on an ISA or LISA for 12 months! Read more about it here.