Best Sipp Comparison 2025
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Minimum Initial InvestementNo Minimum to OpenFees£5.99/month up to £50k – £12.99/month over £50kGet £200 cashback when you open a SIPP. £15,000 minimum deposit required. Offer ends 31 October 2025. -
Minimum Initial InvestementFrom £25 a month or make a one-off payment of £100 or moreFees0.45% Annual Account Charge -
Minimum Initial Investement£500Fees0.45% Management fee + Platform Fees, Fund Fees & Spread
Interactive Investor
Save more for retirement with Interactive Investor’s flat-fee structure that charges from just £5.99 monthly instead of percentage-based fees that eat into your growing pension pot. Unlike providers who take more as your savings increase, ii’s low fixed cost means you keep more of your hard-earned money as your retirement fund grows, while giving you access to a wide range of investment options with flexible retirement choices that adapt to your needs.
Choose from their expert picks and SIPP investment ideas if you prefer guidance, or build your own portfolio with complete control over where your money goes. Transferring existing pensions is straightforward and free, whether you’re consolidating old workplace schemes, traditional life company pensions, or expensive SIPPs, bringing everything together in one place through their simple online process.
Interactive Investor combines low costs with extensive choice and top-rated customer service that’s earned them more 5-star Trustpilot reviews than any other UK SIPP provider. Track your pension easily through their website and mobile app, with expert support from their award-winning team available whenever you need it.
Hargreaves Lansdown
Build your retirement savings with tax advantages by contributing up to £60,000 annually. You receive 20%-48% tax relief on contributions until age 75, making every pound work harder for your future.
You control your investment choices from HL’s extensive selection and decide exactly where your money goes. When you reach 55 (rising to 57 from 2028), you can withdraw up to 25% as tax-free cash while enjoying flexible income options that suit your retirement plans.
Starting is simple with Direct Debits from just £25 monthly or lump sum payments of £100 or more. You can easily transfer existing pensions into your SIPP account, bringing everything together in one place.
HL’s award-winning SIPP gives you the tools to save efficiently, combine multiple pensions, and take direct control of your retirement planning. Your money grows in a tax-efficient environment while you maintain complete flexibility over your investment decisions.
Read our HL review to see what they offer and how they perform.
Moneyfarm
Moneyfarm delivers expert-managed retirement savings with award-winning pension management that combines professional oversight and tax efficiency. Their experienced investment team creates diversified portfolios using cost-effective ETFs, optimized for long-term growth while matching your risk tolerance.
You receive up to 45% tax relief on contributions and can withdraw 25% tax-free from age 55. Moneyfarm simplifies pension management by consolidating old pensions into one platform with transparent fees and free transfers.
Choose from actively managed portfolios for hands-on optimization, fixed allocation for steady passive growth, or ESG investing for socially responsible retirement planning. All options use cost-efficient ETFs with global diversification.
Moneyfarm adapts their professional pension management to your needs while maximizing tax benefits and growth potential for long-term retirement success.
Read our Moneyfarm review to learn about their services and fees.
