Best SIPP providers

Find the best self-invested personal pension for your pension pot.

There’s no defined “best SIPP” – it completely depends on what you’re looking for and the size of your pension pot. Take a look at some of the ones listed below to see if you can find one to suit you.

How do I compare SIPPs?

The main factor that distinguishes SIPPs from one another is pretty much only the cost. To save you from reading exactly the same thing over and over again, we’ve summed up what SIPPs offer to start with. If there are any additional features with any providers, we’ll let you know.

What all of these SIPPs offer:

  • You are in charge of what you invest in.
  • Get access to a wider range of investment products, including property.
  • You can contribute up to 100% of your pre-tax earnings, up to £40,000 per year, in the 2020/2021 tax year.
  • If you don’t work, you can contribute up to £3,600 per tax year.
  • You can start withdrawing from your pension from the age of 55.

What most of these providers offer:

  • Most providers will have mobile apps to manage your SIPPs on the go.
  • You can often transfer your pensions to another provider or consolidate several pensions into one.

Best SIPP for smaller pension pots: AJ Bell

AJ Bell’s SIPP offers the best value for pension pots of £50,000 and less. It’s not the cheapest for those under £10,000, but it still offers good value.

How much does an AJ Bell SIPP cost?

AJ Bell features

AJ Bell’s SIPP is pretty standard. It has some investment ideas to help you make up your mind, but you’re also totally free to go ahead and pick some without supervision.

Best SIPP for larger pension pots: interactive investor

interactive investor’s SIPP has a set monthly fee that’s not based on your investment amount. This can be pricey for smaller investments but can work out quite cost effective when investing £100,000 or more.

How much does an interactive investor SIPP cost?

interactive investor charges £19.99 per month for its SIPP account. This also gets you access to other products too, such as a stocks and shares ISA, a junior ISA and a trading account.

interactive investor SIPP features

You get a free trade each month with interactive investor, which you can use to buy or sell an investment. It’s got some ready-made funds and expert ideas to help you out, too.

Best for help and resources: Hargreaves Lansdown

Hargreaves Lansdown offers quite a lot of support to its customers, regardless of whether you need a ready-made portfolio, a few ideas to get you started or guidance over the phone.

How much does the Hargreaves Lansdown SIPP cost?

Hargreaves Lansdown SIPP features

Hargreaves Lansdown’s SIPP is pretty standard. You can access your investments online and through its app, either by yourself or with its investment ideas. It has a help desk based in Bristol that can answer your questions, too.

Compare SIPP providers

1 - 7 of 7
Name Product Brand description Min investment Min monthly investment Number of funds Transfer available Offer Link
NO FEE
Interactive Investor SIPP
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
£0
£25
3000
Transfer your pension(s) before 30 June and get up to £2,000 cashback. Terms apply. Capital at risk.
Platform details
Freetrade SIPP
£0
£0
6000
Platform details
Hargreaves Lansdown SIPP
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.
£100
£25
2500
Platform details
BONUS
Penfold SIPP
£0
£0
4 Portfolios
Bonus of up to £1000 for your pension when tranferring to Penfold
Platform details
Moneyfarm SIPP
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.
£1,500
£0
7
Platform details
AJ Bell SIPP
AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.
£1,000
£1
2000
Platform details
Saxo Markets SIPP
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.
£10
£0
11000
Platform details
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Compare up to 4 providers

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

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