Self-invested personal pension (SIPP)

Get 3% Cashback

Switch to one of the UK’s cheapest SIPP providers and get rewarded for transferring.
Two iPhones with Freetrade app screens, one showing the SIPP portfolio and the other showing an individual stock for Amazon.
CAPITAL AT RISK. ALWAYS DO YOUR OWN RESEARCH. SIPP ELIGIBILITY, TAX RULES, AND T&CS APPLY.

TRANSFER AT LEAST £10,000 TO QUALIFY. CASHBACK CAPPED AT £1,500 PER CUSTOMER. ANNUAL SUBSCRIPTION REQUIRED. OFFER ENDS 31 AUGUST 2025.
Iphone with a notification about the SIPP cashback offer popping out.

How to get your boost of up to £1,500

  1. 01
    Open a pension with an annual subscription.
  2. 02
    Transfer your pension with at least £10,000 between 5 June and 31 August 2025.
  3. 03
    All set, you can relax and wait for your cashback. We’ll pay your 3% cashback by 27 February 2026.
Transfers must complete by 31 December 2025 in order to qualify, unless there is a delay outside of your control. Only pension transfers from another provider qualify under this offer, not top-ups. If you withdraw or transfer money out of your pension before receiving cashback, we will deduct the amount from your original transfer value.

Why choose the freetrade pension?

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    One simple flat fee
    Available with the Plus plan from £9.99/month. You'll also get priority customer service, pre-market trading, advanced insights, and more.
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    Commission-free investing
    Pay no commission for buying or selling stocks, so your pension goes further. Other charges may apply.
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    Access to a wide range of investments
    Over 6,200 shares, gilts, mutual funds, and more. 
iPhone with a Freetrade app screen saying Welcome To Your SIPP.

Switch to Freetrade

Transfer and claim your reward.
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.

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 RETIREMENT AGE. PLEASE ENSURE YOU KNOW WHAT THIS MEANS FOR YOU AND THE EFFECT IT MAY HAVE ON YOU AND YOUR SAVINGS.

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.

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.

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.