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).

Self Invested Personal Pension with a bonus

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

Platform	InvestEngine	Hargreaves Lansdown	interactive investor	AJ Bell	Vanguard	Fidelity
ISA fee	Free	0.35%¹	£5.99 – £39.99²	0.25% of holdings³	£4 p/m or 0.15%⁴	0.2% – 0.35%
SIPP fee	Free	0.35%¹	£5.99 – £39.99²	0.25% of holdings³	£4 p/m or 0.15%⁴	0.2% – 0.35%
Commission	Free	£3.95 – £6.95¹	£3.99²	£3.50 – £5³	Free or £7.50⁴	£1.50 – £7.50⁵
Currency conversion (FX)	Free	0.99%¹	Up to 0.75%²	0.75%	Free	0.25% – 0.75%
Fractional investing	Yes	No	No	No	No	Yes

ETF costs apply. Data accurate as of 23/03/26.

Hargreaves Lansdown: Commission fee reduces to £3.95 if you’ve placed more than 20 trades in the previous month. Full breakdown.
Interactive Investor: Il offer Core, Plus and Premium plans. Limit of £100k for Core. The table shows the range across these 3 plans. FX is 0.75% for Core, 0.75% for the first £50k in Plus and 0.25% over £50k, and 0.25% in Premium. Full breakdown.
AJ Bell: Fees for trading ETFs and stocks are based on trades in the previous month. Trading fee reduces to £3.50 if you make more than 10 in the previous month. The FX fee for their ISA is 0.75% on the first £10,000, which reduces to 0.50% on the next £10,000 and to 0.25% on values over £20,000. Full breakdown.
Vanguard: Fees capped at £375 a year. £4 p.m. on account balances up to £32,000, 0.15% after that. £7.50 commission fee only applies to real‑time trading, which is optional. Full breakdown.
Fidelity: ISA fee is capped at £7.50 per month. ISA and SIPP fees reduce the more you invest. Commission fee based on whether the share deal is placed as part of a plan. Full breakdown.

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.