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 £60,000 per year, in the 2026/2027 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 as of now.
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 £5.99 per month for its SIPP account Core plan. 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
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