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Whether you are opening an Account for the first time or transferring from an existing pension, opening an Account with is simple.
You can be flexible when it comes to accessing your pension savings.
Use our savings calculator to help work out how much to pay in.
Go to the Investing Hub to research your investment choices.
Apply online now.
IMPORTANT! Read the SIPP Key Facts and our Charges Guide for all the details and before you make up your mind if our SIPP Account is right for you.
You can open a SIPP with if you are over 18 and:
have earnings that count for UK income tax; or
are resident in the UK at some point during the tax year; or
want to make a transfer from another registered pension scheme
We currently accept cash transfers from most types of pensions, including:
Personal Pensions and SIPPs (from other providers) including those you are already taking an income from through flexi-access drawdown.
Pensions you’ve saved into at work, as long as they are Defined Contribution (also known as money purchase).
Retirement Annuity Contracts.
Protected Rights pensions that you used to contract out of the Second State Pension.
Additional Voluntary Contributions and Free Standing Additional Voluntary Contributions.
Executive Pension Plans.
Please remember the value of your investments and any income from them can go down as well as up. The value of your fund may be less than you paid in.
Before initiating a transfer you should seek professional advice on the merits of the proposed transfer that is specific to your circumstances. Your existing pension may have valuable benefits which you might lose when you transfer.
Laws and tax rules may change in the future without notice. The information here is our understanding in January 2018. This information takes no account of your personal circumstances which may have an impact on tax treatment.
If you want to transfer benefits from a defined benefit scheme (often known as final salary or career average schemes); and in some other circumstances (for example if you have a guaranteed annuity rate) then you’ll have to get financial advice first, unless the total value of the transfer is less than $30,000.