Best SIPP Providers UK 2026
A Self-Invested Personal Pension (SIPP) gives you the widest investment choice of any UK pension, including funds, shares, ETFs, investment trusts, and bonds. Choosing the right SIPP provider depends on your pot size, investment style, and how actively you want to manage your pension. This guide compares the leading SIPP platforms on fees, fund range, features, and service quality.
What Makes a Good SIPP Provider?
The best SIPP providers combine competitive fees, wide investment choice, strong online platforms, and reliable customer service. Key factors to compare include platform charges (percentage vs flat fee), fund range, share dealing costs, drawdown facilities, and the quality of research tools.
Top SIPP Providers Compared
| Provider | Platform Fee | Fund Range | Share Dealing | Best For |
|---|---|---|---|---|
| Vanguard | 0.15% (capped £375) | 80 (Vanguard only) | No | Passive investors, large pots |
| AJ Bell | 0.25% | 2,000+ | £5/trade | Value for money |
| Interactive Investor | £5.99-19.99/month | 40,000+ | £3.99/trade | Large pots, flat fee |
| Fidelity | 0.35% | 3,000+ | £7.50/trade | Research and fund choice |
| Hargreaves Lansdown | 0.45% | 3,500+ | £11.95/trade | Service and research |
Best for Low Fees: Vanguard
Vanguard offers the lowest SIPP fees for larger pots thanks to their £375 annual cap. Their index fund range is excellent, with LifeStrategy portfolios providing easy diversification. The limitation is you can only invest in Vanguard's own funds, with no access to shares or other providers' funds.
Best All-Rounder: AJ Bell
AJ Bell's Youinvest SIPP offers an excellent balance of cost and capability. The 0.25% platform charge is competitive, the fund range exceeds 2,000, and share dealing is available at just £5 per trade. Their mobile app and online platform are well-designed and user-friendly.
Best for Large Pots: Interactive Investor
Interactive Investor's flat-fee model makes it the cheapest SIPP for larger pots. For a £500,000 pension, ii charges just £143.88 per year vs £1,375 at HL. The investment range is vast with over 40,000 options, and their regular investing service is free of dealing charges.
Best for Research: Fidelity
Fidelity combines a wide fund range with excellent proprietary research tools and in-house fund management. Their 0.35% charge sits in the mid-range, and the fee reduces on larger pots. Access to shares, ETFs, and over 3,000 funds makes Fidelity suitable for serious self-directed investors.
Best for Customer Service: Hargreaves Lansdown
HL commands a premium but delivers the best customer service in the SIPP market. Their Bristol-based helpdesk, comprehensive research tools, and market-leading platform experience justify the higher cost for many investors. The fund range exceeds 3,500 with access to virtually every UK-listed investment.