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 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.

More providers available now to transfer in your pension

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

Education series on YouTube

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.

Get started

Capital at risk. Full Ts & Cs apply

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.

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With investing, your capital is at risk, ETF costs apply.