Last updated: 13 November 2026. I checked every fee in this cheapest SIPP UK comparison against each provider's own charges page on 8 November 2026.
By Stiv · Design, technology and personal finance
Affiliate disclosure: This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is not financial advice, and CoolCuration is not authorised by the Financial Conduct Authority. I priced these pensions myself, so treat the figures as research and make your own decision, ideally with a regulated adviser if your situation is complicated.
Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.
Opening a SIPP? Two referral offers that work on one
InvestEngine's referral bonus works on its SIPP from £100 invested, and AJ Bell's needs £10,000 paid in or transferred. The current terms for both are on my referral pages.
See the InvestEngine SIPP offer See the AJ Bell referral offer
Three SIPPs charge no platform fee. On a £150,000 pot, the yearly bill still runs from £210 to £1,330
The cheapest SIPP UK savers can open right now charges nothing to hold your self-invested personal pension. InvestEngine, Trading 212 and Freetrade Basic all take a 0% platform fee, so the only cost left is the fund inside. I priced nine providers on the same job: one global tracker, paid in monthly, at £10,000, £50,000 and £150,000. At £150,000, the gap between the cheapest and the dearest is £1,120 a year.
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