Self Invested Personal Pension with a bonus

Don’t let fees ruin your retirement – plus you’ll earn a welcome bonus of up to £200 when you invest £100 or more!

Terms and conditions apply. With investing, your capital is at risk, and tax treatment depends on your personal circumstances, which may change. UK residents aged 18 – 75 only. Pension access is from age 55 (57 from 2028).

Zero account fees

Easy, automated investing

Great choice of investments

Tax relief on your investments

Transfer your pension to InvestEngine

We now accept transfers from most major pension providers. Here’s how to do it:

Set up an account with InvestEngine
Create Portfolio or Transfer › Transfer a pension
Select a provider to transfer from and enter your pension plan reference

Start your transfer

Capital at risk. Before transferring, please consider whether moving your pension to InvestEngine is right for you. Your existing provider may need to sell your current investments before the transfer completes, meaning you could be out of the market for a period. You may also incur exit fees or lose guarantees or features that are only available with your current provider.

Don’t let fees ruin your retirement

Fees can have a big impact on your pension pot.A 1% fee could lead to thousands less in your pension. This could mean you have to work longer, or simply end up with less money in your pension when you retire.Do you really want to work longer, or sacrifice your standard of living? Thanks to InvestEngine’s fee‑free SIPP, you can be sure that investing fees won’t be a worry for you.How can we afford to charge zero fees? Find out more here.

More than just fee‑free

Zero SIPP fees

We won’t charge you a penny for your SIPP account and you can choose your own investments completely commission‑free.Third‑party ETF costs apply — find out more.

Ultimate ease

Investing for the long‑term doesn’t have to mean regular admin. Choose your investments, set up your Savings Plan and our automated investing will do the rest.

Tax‑efficient*

SIPPs come with generous tax relief to encourage retirement investing. Enjoy relief on income paid into your SIPP, from a guaranteed 20% to up to 45% for additional‑rate taxpayers.

Invest in ETFs

ETFs or Exchange Traded Funds are simple, offer easy diversification and are considerably more cost‑effective than traditional pension investments — find out more.

Powerful tools

Investing with us means access to a range of powerful tools, from at‑a‑glance breakdowns of exactly what you’re invested in, to easy automated rebalances to keep your portfolio on track.

*The tax treatment of your investment will depend on your individual circumstances and may change in the future.

What to do next?

Create an account by clicking ‘Get started’
(make sure you arrived at this page using a referral link)
Choose your investments and complete registration
You’ll then get a notification to claim an extra £20 to £200 for your account — the amount will be randomly generated
Once you’ve claimed your bonus, it will be added to your InvestEngine account within 5 business days
Remain invested for a minimum of 12 months to keep your bonus
Refer up to 25 of your own friends for the chance to earn up to £200 each time!

Get started

Capital at risk

Do I qualify?

You must arrive at this page via an approved partner link and click ‘Get started’ to be successfully tracked

You must be a new customer and complete registration in accordance with InvestEngine’s Standard Ts&Cs

Full Ts&Cs are available here

How we compare

Costs for an SIPP portfolio containing 5 ETFs by depositing £1667.67 monthly, invested for 20 years and assuming 7% annual investment growth.

Platform	SIPP Fee + Account fee	Dealing Charge per trade	Returns lost to fees in 10 years	Portfolio value after 10 years	Returns lost to fees in 20 years	Portfolio value after 20 years
InvestEngine	Free	Free	£0	£288,538	£0	£852,857
Vanguard	£4 p/m or 0.15% p/a (capped at £375 a year)¹	Free	£4,093	£284,446	£11,783	£841,073
AJ Bell	0.25% (capped at £10 p/m)²	£5.00	£5,736	£282,802	£17,271	£835,586
Interactive Investor	£5.99 p/m up to £100,000. £14.99 p/m after £100,000³	Free	£1,782	£286,757	£6,069	£846,788
Hargreaves Lansdown	0.35% (capped at £12.50 p/m)⁴	Free	£3,528	£285,011	£7,465	£845,391
Fidelity	0.35% (capped at £7.50 p/m)⁵	£1.50	£4,132	£284,406	£9,082	£843,775

The table above compares the fees of platforms with a comparable investment solution to InvestEngine DIY, assuming a £0 starting SIPP portfolio, investing £1,666.67 per month into a comparable portfolio for 10 and 20 years with 7% growth per annum. Fees as displayed on platform websites as at 03 February 2026. The displayed fees only include the costs charged by the respective platforms and exclude dealing spread. They do not include any product fees such as ETF charges. Some platforms may have reduced fees depending on different volumes, funding sizes or subject to additional subscriptions. The information above is for illustrative purposes only and does not constitute personal advice or a recommendation to switch provider. Where pricing depends on usage (such as trade frequency, asset type or use of regular investing features), standardised assumptions have been applied. If these features are not used, actual costs may be higher. Tiered pricing has been applied based on the portfolio values shown. Actual costs will vary depending on individual circumstances and investment behaviour. Providers may change pricing at any time. For up to date fees you should visit their respective websites.

¹Vanguard: Subscription fee is based on the monthly 0.15% charge on the value of shares held in the SIPP, capped at £31.50/mo. Accounts under £32,000 will be subject to a £4 p/m charge instead.
²AJ Bell: Subscription fee is based on the monthly 0.25% charge on the value of shares held in the SIPP, capped at £3.50/mo.
³Interactive Investor: Free Regular Investing removes the £3.99 dealing fee for eligible UK investments. As this feature forms part of II’s standard pricing and is marketed as covering a wide selection of UK investments, we assume regular investing is used for eligible mainstream UK ETFs and model execution costs at £0. The £14.99 monthly platform fee (accounts over £100k) is applied in full and is not offset by the included free trade, which is redundant where regular investing is used. For absolute clarity on eligibility, customers may wish to confirm directly with Interactive Investor.
⁴Hargreaves Lansdown: capped at £12.50 p/m. Certain ETFs are able to be traded free of charge with a regular investing enabled.
⁵Fidelity: Takes into consideration a reduction in trading fee from £5 to £1.50 as a result of regular investing being enabled.

Rated by the experts

Our investment accounts and portfolios are receiving increasing recognition from around the industry. While your satisfaction is our number one gauge of success, it’s always great to receive a few stars for our efforts.