Freetrade SIPP

Join the waitlist today and be the first to open a self-invested personal pension (SIPP) with Freetrade.

Tax-efficient pension savings. All for a flat fee of £9.99/month, and £7 for Freetrade Plus members.

By entering your email, you agree to receive SIPP related updates from Freetrade. Privacy policy

When you invest, your capital is at risk.

Please check your email to confirm your subscription to learn more about Freetrade SIPP.

Oops! Something went wrong while submitting the form.

Why choose a SIPP?

Tax benefits and annual contributions
Contribute up to 100% of your salary and receive tax relief on contributions up to £40,000 per tax year
Take control
Decide exactly how your pension is invested, choosing products that reflect your outlook on our changing world
Consolidate your pensions
Gather multiple pensions in one accessible and low-cost account
Easy to use platform
Monitor performance and make decisions at the click of a button
And much, much more.

Why open a SIPP with Freetrade?

Low flat fee - You won’t find a SIPP for less. You’ll either pay £9.99/month or receive a 30% discount if you’re a Plus member.
Commission-free dealing - Investing should be free, and we’re committed to providing this to our customers, forever.
Trusted and secure - We’re an FCA-regulated stockbroker, a member of the London Stock Exchange and your money is protected by the FSCS. Read more about how we’re keeping your money safe.
Vast stock universe - You can choose from thousands of UK and US stocks and ETFs and we’re constantly adding more - see our full stock list.
Fractional shares - You can invest from £2 and own a piece of even the most expensive US stocks, helping you build a diversified portfolio.
Award-winning app - Manage your portfolio from anywhere via our beautiful iOS and Android apps.
Instant trades - Unlimited commission-free instant trades during stock market opening hours.
Support - Fast, friendly customer support when you need it.

How we compare

See how share dealing with Freetrade measures up against other providers

Comparison Disclosure ⓘ

Hargreaves Lansdown: SIPP charges 0.45% (on funds) and 0.45% on shares (capped at £200/year).
Based on trades in the previous month, the fee per trade reduces to £8.95 per trades for 10-19 trades, and £5.95 for 20 or more trades.
FX fee reduces to 0.75% after £5,000 value of trades, 0.5% for the next £10,000 and to 0.25% for over £20,000 value of trades.

Interactive Investor: SIPP charges £10/month (Plus a service package starting at £9.99/month,
One free trade per month, then £7.99 per trade.
FX fee reduces on a tiered scale. Trades between £25,000 - £49,999 are 1.25%, £50,000 - £99,999.99 are 1%, £100,000 - £599,999 are 0.5%, and £600,000 - £999,999.99 are 0.25%.

AJ Bell: SIPP 0.25% (on funds) and 0.25% (on shares, capped at £100/year)
Each trade in shares and ETFs is £9.95. Fee per trade reduces to £4.95 when there were 10 or more share deals in the previous month.
The FX rate is 1% for trades up to the first £10,000, 0.75% for the next £10,000, 0.5% for the next £10,000 and is 0.25% for value over £30,000.

Updated 10th September 2020

While you’re on the waitlist, why not download the app and start investing today?

Frequently asked questions

What is a SIPP?

A self-invested personal pension, or a “SIPP”, is a type of investment product that helps you build your savings for retirement. Notably, a SIPP gives you much more flexibility with the investments you can select when compared to typical personal pensions.

Once you invest money into a SIPP it will be locked up until you turn 55. You can then start drawing funds, even if you haven’t stopped working. You can withdraw up to 25% of your fund as a tax-free lump sum with the remainder used to provide an income.

What can I invest in with Freetrade?

You can invest in a wide range of listed shares, ETFs and investment trusts with your Freetrade SIPP. We’ve got a full list of the investments available on our platform that we update regularly.

Can I transfer old pension pots into a Freetrade SIPP?

Yes. You are able to transfer old pension pots (maybe some you forgot about!) into your Freetrade SIPP.

How much can I contribute each year?

Contributions are capped at 100% of your annual income. You’re also able to claim tax relief on the first £40,000 you contribute each year.

Do transfers count towards my contributions?

No, transfers don’t use up your annual allowance. You should be aware, though, that some providers may charge exit fees or other surcharges in order to transfer.

Can my employer contribute?

We are not allowing this to start with, but hope to in the future.

Download the app and start
investing now.