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Ardan International

Ardan International is based in Isle of Man. They launched their wealth management platform in 2013. 

In 2016, Ardan International became a part of the International Financial Group Limited (IFGL). Other members of the IFGL include RL360 and Friends Provident International.

Being part of IFGL offers Ardan’s customers the reassurance and security of being part of a group that looks after assets of £17 billion for over 230,000 customers.

The platform allows for a wide range of investments through a single point of access.

Our Verdict
A Closer Look
Customer Reviews

At the heart of Ardan International is their platform. A secure online location where all your investments can be held and viewed in one place.

Who can use the platform:

The platform can only be used and recommended by a financial adviser.

It is ideal for expatriates, trustees and corporate entities around the world.

It’s flexible so can be used in different ways to keep all their investments in one place.

It’s also ideal for expat customers who do not want to lock their money away for a long period of time.

Here are the top 5 reasons given by Ardan International to use their platform:

  1. The platform is suitable whether your clients are individuals, trustees or corporate entities. Each can hold multiple portfolios. Our open architecture platform allows investors to hold, funds, tradeable assets such as equities and ETFs and structured notes. You can hold everything in one place, which means it’s easy to get a bird’s eye view of your client’s wealth.
  2. You can set up, monitor and trade your own Model Portfolios across your client base, or alternatively outsource this to a third-party DFM. Freeing up your time and making managing your client’s portfolios much simpler and more efficient.
  3. You can control what access your clients have to the platform, and they can configure the platform to meet your specific ways of working.
  4. You can hold investments in different currencies with Ardan. You can invest in a wide range of currencies, hold cash in multiple currencies, switch currency online, change the base currency of the platform at any time. Perfect for the internationally mobile investor.
  5. In a world of ever increasing regulation, this platform allows you to operate a transparent fee-based charging model. Platforms work well where regulations encourage greater transparency – in the UK the value of assets held on platforms increased almost 6-fold in the 8 years following the introduction of RDR in 2008.

Asset protection:

All assets are held through a nominee company and client monies are held in segregated client bank accounts by Ardan International. They partner with major global institutions like Citibank, Allfunds and BNY Mellon to ensure safe custody of client monies.


  • Multi-currency options include USD, EUR, GBP, CHF, JPY, SGD, HKD, AUD, AED, CAD, and ZAR.
  • Valuations are available online and, as is the benchmark for investment platforms of its type, so is a consolidated view of all investment wrappers.
  • Available investments include equities, ETFs, structured products, mainstream, alternative and thematic funds.
  • Full charges are not published on Ardan’s website, although custody is 0.40% pa. Transfers and dealing for non-standard assets are expensive.
  • We would highly recommend reading the 'expert verdict' section of this review to make an informed decision.

Additionally, here's a free guide that can help you achieve better results. In this guide, you'll learn:

  • Academic evidence only shared with a select few firms across the world
  • A real-life example of why you should never try to outguess the market
  • Why a fund's past performance is not enough to predict future returns
  • Why you need to focus on what you can control and why this leads to a better investment experience
  • Why you should accept the markets for what they are
  • What can impact behaviour and make people seek instant gratification

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The Pros

> Lower cost
> Accessible for small investments

The Cons

> Checkered ownership history
> May have hidden commission built in
> Lack of transparency
How is my money protected if I choose Ardan?
Ardan International protects clients’ money by using segregated accounts across a range of major banks.

Segregated client money is held entirely separate from Ardan International’s operating accounts and is held in the client’s name.

In the unlikely event of default, the client funds will be returned to the clients rather than being treated as a recoverable asset by general creditors of Ardan International.

The money is ‘ring-fenced’ in separate bank accounts which are held in trust with the clients as the beneficiaries - and is not mixed with Ardan International’s own funds.

Funds transferred from an individual client to Ardan International will be received directly into a segregated client money bank account with one of their selected major banking institutions.

Ardan International as global custodian is responsible for safeguarding assets and as such takes all reasonable steps for the prevention and detection of fraud, error or non-compliance of any applicable laws and regulations. Ardan International has no responsibility for the selection or valuation of any investment.

There is a legal separation of all client assets held under custody by Ardan International and Ardan International will ensure that the entitlement of clients to such assets is assured. Ardan International may appoint any institution to act as its sub-custodian that is duly authorised and regulated to act in such capacity.

In order to discharge its responsibility as global custodian, Ardan International will exercise care and diligence in choosing and appointing any third party as a sub-custodian or safe-keeping agent so as to ensure that the third party has and maintains the expertise, competence and standing appropriate to discharge the responsibilities concerned.

Ardan International will maintain an appropriate level of supervision over the sub-custodian and will make appropriate enquiries from time to time to confirm that their obligations continue to be competently discharged.

What is a wealth platform from Ardan?

It is an online service that brings all your investments together in a simple and supposedly transparent manner, enabling holistic wealth management.

Rather than trying to track your investments across various institutions and organisations, each with their own dealing processes, paperwork and charging structures, you and your adviser can manage your investments in one place. Ardan says, about its wealth platform: "[it] puts you and your adviser in control of your investments".

Do clients receive online access to their portfolios?

Yes, in the Ardan International platform, clients will have their own online access. Provided they have completed the relevant section within the client application form.

NOTE: clients will not have access to place their own trades.

When are adviser fees paid?

Adviser fees are paid monthly, normally on the 10th of each month for all transactions within the previous month.

Is there a minimum cash retention on the platform?

3% cash retention must be kept in the chosen base currency for fees.

Who can place trades on the platform?

As Ardan is an adviser-led platform, only authorised users within an adviser firm have the ability to place trades.

What does the trade status mean on the platform?

It could mean:

  • Pending Authorisation – awaiting for the trade to be authorised before being submitted to Ardan.
  • Placed – Ardan dealing team have placed the trade with the counter-party.
  • Completed – Trade has settled, contract note has been received and uploaded to the system.

No transparency

This was recommended to me by my financial advsier as a solution to all my problems.

I am now in over my head with fees and charges that I cannot understand.

Expert assessment of Ardan International

We would be wary of platforms that have advisers as their clients, and of websites that don’t have their charges laid out clearly.

We don’t think the charges and service are competitive and would encourage conducting your own due diligence around Ardan’s international licensing and distribution.

If you are an existing investor with Ardan International, why not get a Second Opinion (portfolios of approx. £500,000 or more) to find out the charges you are paying, the access and terms applicable, and what better alternatives exist for your wealth.


Ardan International Corporate Brochure

Ardan International - Wealth Platform Client Asset Protection

Ardan International - UK Taxation Basic Guide

Ardan International Wealth Platform Profile

Ardan International - Individual Client Application Pricing Schedule

Ardan International - Trustee Application Pricing Schedule

Introducing the Ardan Platform

Ardan International - Model Portfolio Management

Ardan International - Guide to Anti-Money Laundering

Ardan International - Model Portfolio Guide

Ardan International - Returning to the UK Guide

Benefits of Combining PIMS and Ardan

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