Best SIPP Providers UK 2026
Compare self-invested personal pensions (SIPPs) from the top 25 FCA-regulated providers on fees, investment choice, and features.
Not financial advice. Capital at risk. Fees accurate as of March 2026.
Quick answer
The best SIPP providers in 2026 depend on your portfolio size. For smaller pots (under £50k), InvestEngine (free) and Vanguard (0.15%, capped at £375) are the cheapest. For larger pots, Interactive Investor's flat fee saves money. For a fully hands-off managed pension, Moneyfarm offers a dedicated adviser.
What is a SIPP?
A Self-Invested Personal Pension (SIPP) is a type of personal pension that gives you direct control over your investments. Unlike a workplace pension, you choose where your money is invested, from individual shares and ETFs to managed funds.
The key advantage: government tax relief. Basic rate taxpayers receive 20% relief on contributions, so a £800 contribution becomes £1,000 in your pension. Higher-rate taxpayers can claim an additional 20% through self-assessment.
Best SIPP platforms compared
| Provider | Annual fee | ETFs | Managed | Phone support | Best for |
|---|---|---|---|---|---|
| InvestEngine | Free | ✓ | ✓ | – | Zero-fee SIPP — the cheapest option for ETF investors. |
| Vanguard | 0.15% | ✓ | ✓ | ✓ | Low-cost pension for Vanguard fund investors. Capped at £375/yr. |
| Freetrade | Free | ✓ | – | – | Commission-free SIPP with 7,000+ stocks and ETFs. |
| AJ Bell | 0.25% | ✓ | ✓ | ✓ | Established platform with wide SIPP investment range and LISA option. |
| Hargreaves Lansdown | 0.35% | ✓ | ✓ | ✓ | UK's largest platform. Capped at £150/yr for shares. Unmatched support. |
| Fidelity | 0.35% | ✓ | ✓ | ✓ | Global giant. Fee capped at £90/yr. Massive fund and ETF range. |
| Interactive Investor | Flat fee | ✓ | ✓ | ✓ | Flat subscription — great value for larger pension pots. |
| Moneybox | 0.45% | – | ✓ | – | Simple managed SIPP. Good for beginners who want a hands-off pension. |
| Moneyfarm | 0.75% | – | ✓ | ✓ | Fully managed pension with dedicated adviser. Hands-off approach. |
SIPP vs ISA: which should you choose?
Choose a SIPP if…
- ✓ You want to save for retirement
- ✓ You pay income tax (tax relief applies)
- ✓ You won't need access before age 55 (rising to 57 in 2028)
- ✓ You want employer contributions
Choose an ISA if…
- ✓ You may need access before retirement
- ✓ You've already used your pension allowance
- ✓ You want flexibility on withdrawals
- ✓ You're saving for a medium-term goal
Key things to check before opening a SIPP
- Annual allowance: You can contribute up to £60,000 per year (or 100% of your earnings if lower) and receive tax relief.
- Access age: You cannot access SIPP funds until age 55 currently, rising to 57 in April 2028.
- FSCS protection: All platforms on our list are FSCS-protected up to £85,000.
- Transfer: You can transfer existing pensions to a SIPP. Check for exit fees on your current pension first.
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