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 £60,000 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?

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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?

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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

Name Product UKFSF Brand description Min investment Min monthly investment Number of funds Transfer available Offer Link
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

Capital at risk

Platform details
OFFER
Interactive Investor SIPP
£0
£25
3000
Pay no account fee for 6 months when you open an ii Self-Invested Personal Pension (SIPP). Offer ends 30 November. Capital at risk. Terms & trading fees apply. New customers only.

Capital at risk

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
£0
2000

Capital at risk

Platform details
InvestEngine SIPP
InvestEngine SIPP
£100
£0
660+ ETFs
Get a Welcome Bonus of up to £50 when you invest at least £100 with InvestEngine. T&Cs apply.

Capital at risk

Platform details
Charles Stanley SIPP
Charles Stanley SIPP
£0
£0
>10,000
Get up to £1,500 cashback when you transfer your cash and/or investments to Charles Stanley Direct. T&Cs apply. Capital at risk.

Capital at risk

Platform details
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Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Senior writer

Zoe was a senior writer at Finder specialising in investment and banking, and during this time, she joined the Women in FinTech Powerlist 2022. She is currently a senior money writer at Be Clever With Your Cash. Zoe has a BA in English literature and a Diploma for Financial Advisers. She has several years of experience in writing about all things personal finance. Zoe has a particular love for spreadsheets, having also worked as a management accountant. In her spare time, you’ll find Zoe skating at her local ice rink. See full bio

Zoe's expertise
Zoe has written 164 Finder guides across topics including:
  • Share dealing
  • Reviews and comparisons of trading platforms
  • Robo-advisors
  • Pensions
  • Banking

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