Best SIPP providers

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A SIPP is a long holding — often decades — which changes what matters. Dealing commission you pay a handful of times is noise; a percentage charge levied annually on a growing balance is not.

A managed personal pension is not a SIPP. Everything below lets you choose the investments yourself, which is the distinction that matters if you want anything beyond a default fund.

Our ranking

1. 1. AJ Bell

   The most complete of the three — funds, investment trusts and shares in one SIPP.

   Platform fee 0.25% · UK dealing £5 · FX 0.75%

2. 2. Freetrade

   A genuinely free SIPP if you're holding shares and ETFs rather than funds.

   Platform fee Free · UK dealing Free · FX 0.99%

3. 3. interactive investor (ii)

   A flat monthly fee, which is the cheapest of these once the pension is large.

   Platform fee £5.99/mo · UK dealing £3.99 · FX 0.75%

What to look for

• How the charge behaves as the pot grows — this is the account where flat fees most often win.
• Whether you can hold funds and investment trusts, or only shares and ETFs.
• Any separate pension administration or drawdown charge, which sits outside the platform fee.
• That it's genuinely self-invested, not a managed pension with a fund picker.

Compare every UK platform