Compare SIPP charges
With pension charges, less means more.
See if you could pay less in pension charges. Compare what you’re paying now to a Self-Invested Personal Pension and discover whether you could save more for your retirement.
Important information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you’re unsure if a SIPP is right for you, please speak to an authorised financial adviser. Tax treatment depends on your individual circumstances and may be subject to change in the future.
Explore if you could pay less with the ii SIPP
See how much you could save with our flat-fee SIPP compared to other SIPP providers.
ii’s flat fee: £5.99 a month for pensions up to £50,000. For values over this, it’s £12.99 a month.
Comparison information - Annual charge comparisons based on published SIPP charges on 01/02/2025 for Aviva SIPP, Standard Life SIPP (Level 2 Investment Options), AJ Bell SIPP & Hargreaves Lansdown SIPP. The calculator compares SIPP charges only – other types of pensions may have lower or higher charges. ii charges assume the cost of adding an ii SIPP (£10/month) for customers on the Investor Plan. Additional charges may differ for customers currently on the ii Essentials and Super Investor plans. Assumptions: 100% holding in funds - choosing other assets such as shares and ETFs, may result in lower charges. Two fund purchases/sales. Pension charges only, excludes fund manager charges. Read more about our analysis. Source: The Lang Cat.
Are you in the dark about your pension charges?
According to the Financial Conduct Authority (FCA), almost a third of UK adults paying into a Defined Contribution pension don’t know how much they’re being charged. 55% of people don’t even realise they have charges.
You could be paying more than you need to. But it’s never too late to check your pension charges and see if another option – like a Self-Invested Personal Pension (SIPP) - could be right for you.
You might be surprised just how much lower your fees could be. And the more you save today, the more your pension can compound and grow.
How does the ii SIPP compare to other SIPP providers?
Choosing the right SIPP provider could mean thousands more pounds for your retirement. Dig deeper into how the ii SIPP compares to some of the other SIPPs on the market.
ii vs Hargreaves Lansdown
Compare the ii SIPP to Hargreaves Lansdown.
ii vs Aviva
Compare the ii SIPP to Aviva.
ii vs Standard Life
Compare the ii SIPP to Standard Life.
Investing in your pension made simple
The benefit of a SIPP is it allows you to decide how you want to invest for your retirement. But that doesn’t mean it has to be complicated.
There are plenty of options specially selected by experts to help you get started. These are designed to get you investing in your pension quickly, with a range of low-cost funds you can choose from based on the level of risk you’re comfortable with.
See how Mark pays less for his pension with ii
“With a lot of providers’ charges, it’s this plus that plus that. Whereas with ii, it’s straightforward. What I pay is what I pay – ii’s fees are just so much cheaper. That’s why I’m with ii.”
Mark, 47, was frustrated with the fees he was paying with his old provider. With ii’s low flat fee, he now gets to retire earlier.
Why transfer your pension to the ii SIPP?
Why transfer your pension to the ii SIPP?
Keep more of what you make
Other providers usually charge a percentage of your pot. That means the more your pension grows, the more they’ll take. The ii SIPP is different. With our simple flat fee, you can keep more of what’s rightfully yours.
Which? Recommended SIPP Provider
As a Which? Recommended SIPP Provider for the third year running, we offer one of the widest ranges of investments on the market. That doesn’t mean more complexity, though. We have options for all types of investors.
Trust in our top-rated support
With our Boring Money Best For Customer Service support team here in the UK, you can count on us. There’s a reason we’re rated 4.7/5 on Trustpilot, with more 5-star reviews than two of the other biggest providers combined.
Flexible pension withdrawals with ii
At ii, there are no charges for taking an income from your pension. It’s all covered by your flat fee.
Enjoy the flexibility of withdrawing your money your way. Choose to take tax-free cash, drawdown or lump sums - all at no extra cost.
How can Pension Wise help?
If you have a defined contribution pension scheme and are 50 or over, then you can access free, impartial guidance on your pension options by booking a face to face or telephone appointment with Pension Wise, a service from MoneyHelper.
If you are under 50, you can still access free, impartial help and information about your pensions from MoneyHelper.
Build the retirement you want with £100-£3,000 cashback
Get ahead of the 5 April tax deadline and get £100 to £3,000 cashback when you add an ii Personal Pension (SIPP).
A minimum SIPP value of £10,000 is needed to qualify for this offer. Making contributions and transferring other pensions to our SIPP counts towards your minimum value. See more details on this offer.
Offer ends 5 April 2025. Subject to a 12-month holding period. Terms and fees apply.
Check before you transfer - Please check that you won’t lose any safeguarded benefits if you transfer. This could include guaranteed annuity rates or a lower protected pension age than the Normal Minimum Pension Age (rising from 55 to 57 in 2028). It’s also worth checking for any transfer-out charges.
It’s important to take your time before transferring your pension. Make sure to consider what the best option is for you. Don’t transfer just to qualify for the offer, and don't rush any decision to meet the offer deadline. We periodically run offers, and there will likely be other opportunities in the future.
Important information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as guaranteed annuity rates, lower protected pension age or matching employer contributions. If you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.