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SIPP: Self-Invested Personal Pension

Take control of your retirement planning with our award-winning, low cost SIPP.

open a SIPP   transfer your pension

Why choose the ii SIPP?

✔  Enjoy the flexibility and transparency of a SIPP - With an ii SIPP, you choose how and where your pension is invested.

✔  Retire with up to £94,000 more thanks to our fair, flat fees - take more of what you earn into retirement by paying less in charges at ii.*

✔  We give you a free trade every month - use this to buy or sell any investment.

✔  Our ready-made funds and expert ideas make it easy to choose investments.

✔  Choose from more than 40,000 investments – with UK and overseas shares, funds, investment trusts and ETFs to choose from.

Special offers

Now even better value with up to £160 of special offers:

No SIPP fee for 6 months

Pay no SIPP fee for six months – saving you £60. Then just £10 a month extra. Terms apply

£100 free trading credits

Join today and get £100 of free trades to use this year. New customers only. Terms apply

We talked to four interactive customers who have recently transferred their old-style pensions.
Read their stories »

SIPP fees and charges

Are your old pension providers keeping you in the dark about fees? Find out more


Managing your SIPP

Making contributions

Learn about the rules and limits on contributing to your SIPP.

find out more

SIPP investment ideas

We’ve made it easy to find ideas for your SIPP portfolio.

find out more

SIPP drawdown

Choose how and when you take money from your pension.

find out more


A SIPP, or Self Invested Personal Pension, lets you choose how your pension is invested – giving you greater control over your retirement plans.

You can choose from more than 40,000 global investment options with interactive investor, including shares, funds and trusts. If you’re not sure where to start, our quick-start funds could help.

Some people use a SIPP to combine old pensions into one. This can make it easier to keep track of your pension pot.

You may also pay less in fees, especially if you are moving from pensions that charge a percentage of your pension value.

It only takes a few minutes to get started – open a SIPP today.

You will need your National Insurance number and the details of any pensions you want to transfer.

UK residents over the age of 18 can open a SIPP. 

You can open a SIPP even if you do not have any earnings.

When you open a SIPP, you will pay a £9.99 service plan fee, plus £10 a month SIPP fee – bringing the total cost to £19.99 a month.

This also gives you access to our Stocks and Shares ISA, Junior ISA and Trading Account at no extra cost.

You can transfer most types of pension to our SIPP. Find out more on our SIPP transfer page.

Open a SIPP

It takes less than 10 minutes to get started.  You'll just need your address, debit card details and National Insurance number to hand.

start your application

Already an ii customer?

It's even quicker and easier to apply for an ii SIPP. Simply log in using the button below and choose 'SIPP' from the available options.

log in to apply

The ii SIPP is aimed at clients who have sufficient knowledge and experience of investing to make their own investment decisions and want to actively manage their investments. A SIPP is not suitable for every investor. Other types of pensions may be more appropriate. The value of investments made within a SIPP can fall as well as rise and you may end up with a fund at retirement that’s worth less than you invested. You can normally only access the money from age 55 (age 57 from 2028). Prior to making any decision about the suitability of a SIPP, or transferring any existing pension plan(s) into a SIPP we recommend that you seek the advice of a suitably qualified financial adviser. Please note the tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in future.

* Independent research

Independent research by the Lang Cat: To see how investing with our fair flat fees over 30 years in a SIPP compares with other providers, the Lang Cat used: the average SIPP balance and typical contribution amounts seen with existing ii investors; Fund trades: one buy and one sell each year into funds, with 100% of portfolio is assumed to be invested in funds (Open Ended Investment Companies); a 5% annual return in the portfolio; 0.66% average OCF applied to all companies listed. More details

Promotional SIPP offer terms and conditions

  1. No SIPP fee shall be payable on all new ii SIPP accounts opened on or after 1 October 2020 for six calendar months (the "Fee Free Period"). After the Fee Free Period has ended, the SIPP fee you will be required to pay will be as set out in our then current Rates and Charges.
  2. The Fee Free Period is open to new and existing customers who open a new ii SIPP account on or after the qualifying date.
  3. These terms and conditions should be read in conjunction with the ii SIPP Terms. In the event of a conflict between these terms and conditions and the ii SIPP Terms, these terms shall prevail.
  4. All other fees associated with managing your ii SIPP account shall continue to apply.
  5. We reserve the right to alter, withdraw or amend the Fee Free Period and/or these terms and conditions at any time without prior notice.
  6. All participants opening an ii SIPP account on or after 1 October 2020 agree to be bound by these terms and conditions.
  7. Interactive Investor Services Limited (“IISL”) is the promoter of this Fee Free Period offer. The registered office for IISL is Exchange Court, Duncombe Street, Leeds LS1 4AX.

Trading credits offer terms and conditions

  1. Subject to these terms and conditions, new customers of Interactive Investor Services Limited (“ii”, “us”, “we” or “our”) will be entitled to receive £100 of trading credits (the “Offer”). 
  2. To be eligible for the Offer you must open an ii SIPP, Trading Account and/or Stocks and Shares ISA with us between 1 October 2020 and 31 October 2020 inclusive.
  3. You must not be an existing customer of ii.
  4. You must be over 18 and a UK resident.
  5. Provided you meet the eligibility criteria set out in these terms, £100 of trading credits will be applied to your account within five (5) working days of your account being opened.
  6. There is no minimum deposit required.
  7. The £100 of trading credits will be available for use until midnight on 31 December 2020 (the “expiry date”). Any unused trading credit at this time will expire.
  8. There is no alternative to the Offer.
  9. Trading credits can be used to offset commission for all real time trades; to buy or sell shares, funds, bonds, gilts, ETFs and for automated trades such as dividend reinvestments. Trading credits cannot be used to offset the additional charges for extended settlement or telephone trades.
  10. For the avoidance of any doubt, any orders placed before the expiry date will not be eligible for trading credits if they are executed after the expiry date. Please bear in mind that fund orders are generally executed a few days after you submit your order.
  11. All other rates and charges are not subject to this Offer and shall continue to apply notwithstanding. You will be charged for all open accounts in accordance with our standard rates and charges. Any trading credits you receive pursuant to this Offer will be in addition to any trading credits you receive pursuant to your ii service plan.
  12. By participating in the Offer you agree that ii will not be liable for any costs, expenses, loss or damage sustained or incurred with regards to the offer.
  13. We reserve the right to alter, withdraw or amend this Offer and/or these terms and conditions at any time without prior notice.
  14. All participants to this Offer agree to be bound by these terms and conditions.
  15. These terms must be read in conjunction with the relevant ii Terms of Service, ISA Terms and ii SIPP Terms where applicable. In the event of any conflict between these terms and the relevant ii Terms of Service, ISA Terms and ii SIPP Terms, these offer terms shall prevail.
  16. These offer terms are governed by English law.
  17. Interactive Investor Services Limited is the promoter of this Offer. Its registered office is at Exchange Court, Duncombe Street, Leeds, LS1 4AX.