Get 2% cashback on pension transfers
Transfer at least £10,000 in pensions to Freetrade and get 2% cashback. Cashback capped at £1,000 per customer.
Offer ends 31 December 2025.
Offer ends 31 December 2025.
Get up to £1,000 cashback
- Open your Freetrade account if you don’t have one yet.
- Join the “SIPP Transfer Offer” in your Rewards Hub.
- Open your Freetrade self-invested personal pension (SIPP).
- Transfer one or more pensions to Freetrade totalling at least £10,000 between 13 October and 31 December 2025. Transfers must complete by 30 March 2026 in order to qualify, unless there is a delay outside of your control.
Only pension transfers qualify under this offer, not top-ups. - We’ll pay your 2% cashback by 15 October 2026.
Cashback is capped at £1,000 per customer. Any amount you withdraw or transfer out of your SIPP before receiving cashback will be deducted from the amount you transferred in. This will reduce the amount of cashback you receive. See terms and conditions for full details.
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Take control of your retirement with a SIPP
Consolidate scattered pensions into one accessible pot, and enjoy enhanced flexibility, control, and visibility of your retirement investments.
By bringing different pensions under one roof you can build a retirement strategy that suits your needs, goals, and risk tolerance.
Plus, if you’re looking to boost your pension with additional payments, your contributions will benefit from between 20% and 45% tax relief.
Freetrade's award-winning SIPP offers a low-cost, intuitive way to manage your savings for the future.
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A SIPP is a pension designed for you to save until your retirement and is for people who want to make their own investment decisions. You can normally only draw your pension from age 55 (57 from 2028), except in special circumstances. SIPP eligibility rules apply. Tax treatment depends on your personal circumstances and current rules may change.
award winning platform
Investing tailored for you, by you
Choose from a selection of 6,500 UK and overseas instruments across diverse industries and asset classes.
Diversify your retirement pot with:
- Stocks and ETFs
- Mutual funds
- Investment trusts and REITs
- Gilts and Treasury bills
SIPPs are available with a Plus plan. Enjoy priority customer service, pre-market trading, enhanced stats and analysis, and much more.
Transfer a pension
Lost track of your pension pots? Transfer them to a Freetrade SIPP and take control of your pensions.
CHECK BEFORE YOU TRANSFER A PENSION TO US THAT WE CAN ACCEPT YOUR INVESTMENTS, YOU WON’T LOSE ANY GUARANTEES, AND THAT YOU KNOW WHAT CHARGES YOU MAY INCUR. SEEK ADVICE IF YOU ARE UNSURE ABOUT MAKING A TRANSFER.
Frequently asked questions
How does this promotion work?
What is a “transfer”?
What types of pension can I transfer?
How do you calculate “net” transfers?
What if I want to withdraw from my SIPP or transfer it elsewhere after qualifying?
What is the minimum amount I should transfer to qualify for cashback?
Will I get cashback if I contribute money to my SIPP via top-up or moving cash from my GIA or ISA?
How do I initiate a pension transfer?
How long do transfers take?
What happens if my transfer is delayed?
Can you pay cashback into my ISA or SIPP?
When will I get my cashback?
I haven’t received my cashback. What do I do?
Terms and conditions
WHEN YOU INVEST, YOUR CAPITAL IS AT RISK. THE VALUE OF YOUR INVESTMENTS CAN GO DOWN AS WELL AS UP AND YOU MAY GET BACK LESS THAN YOU INVEST. SIPP ELIGIBILITY AND TAX RULES APPLY.
AT PRESENT, FREETRADE ONLY SUPPORTS UNCRYSTALLISED FUND PENSION LUMP SUMS (UFPLS) FOR CUSTOMERS WHO WISH TO WITHDRAW FUNDS FROM THEIR SIPP AFTER THEIR 55TH BIRTHDAY. WE STRONGLY ENCOURAGE YOU TO SEEK FINANCIAL ADVICE BEFORE MAKING ANY WITHDRAWALS FROM YOUR SIPP.
PENSIONS THAT ARE TRANSFERRED TO THE FREETRADE SIPP MAY LOSE THE PROTECTED PENSION AGE BENEFIT. THIS MEANS THAT YOU WILL NOT BE ABLE TO DRAW THE MONIES FROM THE FREETRADE SIPP UNTIL YOU ARE AGED 57. PLEASE ENSURE YOU KNOW WHAT THIS MEANS FOR YOU AND THE EFFECT IT MAY HAVE ON YOU AND YOUR SAVINGS.
FREETRADE WON'T CHARGE YOU TO TRANSFER YOUR PENSION TO US, BUT PLEASE CHECK WITH YOUR EXISTING PROVIDER WHAT FEES OR RESTRICTIONS MAY APPLY FROM THEM. WE CANNOT PROVIDE YOU WITH ANY ADVICE THEREFORE IT IS YOUR RESPONSIBILITY TO ENSURE YOU ARE HAPPY THAT TRANSFERRING TO THE FREETRADE PENSION IS RIGHT FOR YOU.
IF YOU'RE UNSURE IF TRANSFERRING YOUR PENSION TO FREETRADE IS RIGHT, YOU SHOULD TAKE ADVICE FROM A SUITABLY QUALIFIED FINANCIAL ADVISER. FOR MORE INFO, SEE OUR SIPP KEY FEATURES DOCUMENT, TERMS AND CONDITIONS, CHARGES SCHEDULE AND SIPP DECLARATIONS.
