Transfer your pension
Start investing your pension your way, with powerful tools and low fees
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).
Transfer your Vanguard and Hargreaves Lansdown SIPPs to InvestEngine
You can now transfer your Vanguard and Hargreaves Lansdown SIPPs straight to InvestEngine. 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
Capital at risk
SIPP fee comparison calculator
Zero fees with InvestEngine
Hargreaves Lansdown
£188
The amount you could save on fees each year by transferring your SIPP to InvestEngine
£143
Annual dealing fee with Hargreaves Lansdown
£45
Annual platform fee with Hargreaves Lansdown
Calculations are estimates provided for illustrative purposes only. Platform and dealing fees only. Does not include ETF costs or costs associated with other types of investments.
Capital at risk
What fees and tax relief really mean for your pension (with James Beckett)
In this video, James Beckett breaks down how fees and tax relief can make a big difference to your pension pot over time. Whether you’re just getting started with a SIPP (Self‑Invested Personal Pension) or reviewing your current setup, this is a must‑watch to help you make informed decisions.
Aug 13, 2025
How does it work?
Open your InvestEngine account by clicking ‘Get Started’
Open your InvestEngine SIPP
From the home screen, select Transfer a pension
Fill out the form and submit
Leave it to us! We will contact your existing SIPP provider to begin you transfer.
Capital at risk. Full Ts & Cs apply
How we compare
2 InteractiveInvestor: £5.99 p/m up to £50,000 as part of the 'Pension Essentials' plan. £12.99 p/m after the threshold is met.
3 AJ Bell: Trading fees based 10 trades executed in the first month. Dealing charge decreases to £3.50 per trade in the following month, assuming 10 trades are placed.
4 Hargreaves Lansdown: Trading fees based on 10 trades executed in the first month. Dealing charge decreases to £8.95 per trade in the following month, assuming 10 trades are placed. No impact on 10 trades placed yearly.
The chart above compares the fees of platforms with a comparable investment solution to InvestEngine DIY, investing £1,666.67 into five UK ETFs per month for 10 years with 7% growth per annum. Fees as displayed on platform websites as at 19 December 2024. The displayed fees only include the costs charged by the respective platforms. 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 for up to date fees you should visit their respective websites. Remember that investments can go up and down in value, so you could get back less than you put in.
SIPPs FAQs
Can I transfer my pension into an InvestEngine SIPP?
You can transfer your pension to InvestEngine by following a few simple steps.
If you don’t have an InvestEngine account, you can get one by following the steps here: How do I sign up? You must be a United Kingdom tax resident and provide your National Insurance Number, as we will not be able to open your SIPP account without it.
Once your account is set up, or if you have an InvestEngine account already, you will need to press ‘Create portfolio or transfer’ on your dashboard and then select ‘Transfer a SIPP’.
You can initiate your SIPP transfer via both the web and the app, by following the steps above.
Please also note, that at this time, we can only accept Vanguard and Hargreaves Lansdown SIPP transfers. Due to demand, transfers may take longer than usual and we ask clients to bear with us as we complete your requests as quickly as possible.
If you have any additional questions, don’t hesitate to contact us by emailing support@investengine.com
Do you support SIPP in-specie transfers?
Yes, you can transfer your SIPP to InvestEngine in‑specie!
An in‑specie transfer allows the funds you hold with your current provider to be moved as they are, without selling them. The key advantage of this is that your investments remain in the market throughout the transfer process, so you won’t miss out on potential growth or market movements during this time.
However, in‑specie transfers are only possible for funds that are also available on our platform. Any funds that we don’t currently support will need to be sold by your existing provider, and their cash value will be transferred to InvestEngine.
To ensure a smooth in‑specie transfer, we recommend checking our ETF range in advance to confirm that your current holdings are compatible. If you have any questions or need assistance, please don’t hesitate to reach out to our support team.
How long does it take to transfer a SIPP?
The timeframe for transferring a SIPP (Self‑Invested Personal Pension) can vary based on several factors, making it difficult to provide an exact duration. However, here’s a general guide to what you can expect:
Cash Transfers: These typically take around 2 to 3 weeks to complete.
In‑Specie Transfers: Transfers involving assets (e.g., stocks or funds) rather than cash can take 4 to 6 weeks or longer, depending on the type of assets and their registrars.
The actual processing time is influenced by factors such as the complexity of the transfer, the type of assets involved, and the efficiency of communication between the transferring providers. While we aim to complete the process as quickly as possible, delays can sometimes occur due to factors outside our control, such as the counterparty’s processing times.
We recommend contacting your current provider for any additional steps required on their end to ensure a smooth transfer process. If you have questions or need support during the transfer, feel free to reach out to us.
How can I track my SIPP transfer?
Our team are currently working on a progress bar for SIPP transfers, similar to our ISA progress bar.
We understand how important this feature is and are actively working to introduce it in the near future. In the meantime, we’ll keep you updated on the progress of your transfer through email notifications.
If you need further updates or assistance during the process, please don’t hesitate to contact us at support@investengine.com. We’re here to help and provide any information you need.
I’m currently expecting a tax relief payment into my existing SIPP, can I still transfer?
Of course! Any residual dividend payments or tax relief you are still expecting in your current account will not affect the transfer process.
Once your current provider receives the payment, they will forward it to us. We will then apply it to your account as soon as we receive it. Please note, that this process can take a few business days, depending on your provider’s internal procedures.
Can I transfer my SIPP/s to InvestEngine from any provider?
At the moment, we can only accept SIPP transfers from Vanguard and Hargreaves Lansdown.
We understand this may feel limiting, but we’re working to open SIPP transfers to all providers as soon as possible. Due to high demand, we’re rolling out this service in batches to ensure a smooth and seamless experience for our clients.
Rest assured, we’re committed to expanding this feature and will notify all clients as soon as transfers from additional providers become available.
If you have any questions or need further assistance, please don’t hesitate to reach out to us at support@investengine.com. Thank you for your patience as we work to improve our services.
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With investing, your capital is at risk, ETF/ETC costs apply.