Interactive Investor

SIPP: Self-Invested Personal Pension

With our flat fees, you could be £94,000 better off in retirement.

Retire with more of your money.

Please remember, SIPPs are aimed at people happy to make their own investment decisions. Investment value can go up or down and you could get back less than you invest. You can normally only access the money from age 55 (57 from 2028). We recommend seeking advice from a suitably qualified financial advisor before making any decisions. Pension and tax rules depend on your circumstances and may change in future.

How we worked it out

Other providers charge percentage fees - which means that as your money grows, the fee increases.

At ii, you pay a flat fee, which means more money for you. This difference can make an even bigger impact over time due to compounding.

To find out exactly how much this could save you, we partnered with independent research experts at Lang Cat*.

Together we developed comparisons with other platforms on the market. This comparison involved the profile of our typical SIPP investor, and then applying all charges and fees that investor would pay over the life of their pension with average growth in the market.

You can find out more about our analysis here.

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.

✔  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.

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

SIPP fees and charges

Open a SIPP by 31 January and pay no SIPP fee until August 2022 – saving you £60. Then just £10 a month extra. Terms apply


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.

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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