Compare SIPP charges
Could you pay less for your pension?
Discover whether you could save more for your retirement. Compare the ii SIPP to what you're paying now and see if transferring could help you pay less for your pension.
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.
Explore if you could pay less for your pension
Compare the ii SIPP to others on the market and see if you could start saving more for your future. Make the most of our low, flat fee and put your retirement on the right path.
Comparison information - Annual charge comparisons based on published SIPP charges on 01/02/2026 for Aviva SIPP & Standard Life SIPP (Level 2 Investment Options). Hargreaves Lansdown SIPP charges based on new pricing plan effective 01/03/2026. The calculator compares SIPP charges only – other types of pensions may have lower or higher charges. For ii charges you'll start on our Core plan for £5.99 a month and move to our Plus plan for £14.99 a month if your account goes above £100,000. Verified as accurate by The Lang Cat.
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.
Add a Personal Pension at no extra cost
All our price plans give you access to ii’s award-winning range of accounts; Personal Pension (including a Managed Portfolio), Stocks and Shares ISA (including a Managed ISA) and Trading Account.
If you’re on our Core plan you can invest up to £100,000 across all of your ii accounts. On Plus and Premium, there’s no limit to how much you can invest and you’ll enjoy a wider range of benefits and features.
Reminder of our most popular price plans
| Invest up to | Monthly fee | Plan |
|---|---|---|
| £100,000 | £5.99 | Core |
| No limit | £14.99 | Plus |
How ii compares 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 others 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.
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.
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 take. The ii SIPP is different. Bring all of your investments under one roof with our simple flat fee and save more for your retirement.
Which? Recommended SIPP provider
As a Which? Recommended SIPP Provider for four years running, we offer a wide range of investment and retirement options. That doesn't mean more complexity, though. We have something for all types of investors.
Trust in our top-rated support
It's easy to keep track of your pension via our website and secure mobile app. But if you're ever in need of SIPP support, you can count on us. We're happy to say that ii has more 5-star Trustpilot reviews than any other UK SIPP provider.
Learn more about the ii SIPP
If the ii SIPP is a cost-effective choice for you, discover more about what you could get by adding one to your account.
With greater control, choice and flexibility, it could be the start of a brighter retirement.
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’re thinking about retiring soon and want to understand your options, make sure you speak to someone at Pension Wise.
Pension Wise is part of the government’s Money Helper service, offering free and impartial pension guidance to the over-50s. They can also help you decide if transferring your pension is the right choice for you.
Get up to £3,000 when you switch to our SIPP
You could keep more money for your future with our low, flat-fee Personal Pension (SIPP) and enjoy a cashback boost.
Get £100 to £3,000 cashback when you add a SIPP and deposit or transfer a minimum of £20,000. See more details on this offer.
Offer ends 28 February 2026. Terms and fees apply.
Important information: 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.
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.
