A Self-Invested Personal Pension built for you

A simple and cost-effective way to save for later life.  Benefit from 20% basic‑rate tax relief on eligible personal  contributions, subject to your individual circumstances  and HMRC rules, which equates to a 25% boost to your Deposits. 
Eg. Deposit £1000, and HMRC will boost your pot by £250. 
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The value of investments can go down as well as up and you  may get back less than you invest. Tax rules can change. 

What is a Self-Invested Personal Pension? 

A Self-Invested Personal Pension, or SIPP, is a type of personal pension that you open and manage yourself. You choose how much to add, when to add it and how your money is invested. Basic rate tax relief is added once HMRC processes it, which helps your pension grow over time.  Tax treatment depends on your individual circumstances and may be subject to change. Capital at risk.

Annual allowance

Currently £60,000, but this may be lower depending on your circumstances. 
See our accounts

Flexibility:

You can have as many SIPPs as you’d like and contribute into all of them. For simplicity, why not transfer all your pots into your Quilter Invest SIPP?

Tax Efficiency:

Get 20% basic‑rate tax relief, subject to eligibility and HMRC rules, which translates to a 25% boost on the money you add. Your investments can grow without tax inside the pension wrapper and you only pay tax when you take money out. 
Benefits

Why open a Self-Invested Personal Pension with Quilter Invest?

Free Pension Consolidation 

Transfer all your existing pensions to one, convenient pot, and take control of your future 

MyGoal Funds

Invest in Quilter’s expertly managed MyGoal funds, picking the portfolio that fits you 

20% tax relief

20% basic‑rate tax relief, (25% uplift of your deposit) subject to eligibility and HMRC rules paid straight into your SIPP. Deposit £100, and HMRC will top up your pot by £25, typically within 8 weeks

How to open a Self Invested Person Pension

Opening an SIPP is simple with Quilter Invest. You'll need your National Insurance number and a form of ID before you get started.

Select the SIPP account

Download our app and create your Self invested personal pension account. Capital at risk
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Verify your ID & Link your bank

Our app is protected by 256-bit, bank-level encryption.

Explore & invest

Invest in Quilter’s MyGoal funds, expertly-tailored to your risk appetite by our experienced professionals. 

Self-Invested Personal Pension Pricing

 Our SIPP fees are highly competitive compared to other UK providers. 

Annual Fee <100k 

0.15%

0.45% 

0.60%

0.75% 

£0.00, £59.88, or £119.88 

0.50% - 0.95% 

Annual Fee >100K 

0.15% 

0.15% 

0.30%

0.35% 

£0.00, £59.88, or £119.88 

0.25%-0.48% 

Transaction costs 

£0 

£0 

£0 

£0 

0.4%-1% FX Fee 

0.04% per transaction. £150 to withdraw 

Comparison information
We've attempted to provide you with the most comprehensive comparison possible, but you need to bear in mind suitability to your individual circumstances. Different providers may charge variable fund manager and FX fees and for most up to date information, we recommend that you check all websites regularly. Quilter Invest does not offer financial advice. If you’re unsure whether a SIPP is right for you, you may wish to seek independent financial advice. Comparisons based on pricing and costs published by each brand on their respective websites as of 27 February 2025. This information is for illustrative purposes, and you should check the relevant website for most up to date information. This comparison is based on published pricing only and does not reflect service, features or suitability. 
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Build your wealth your way. Capital at risk
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