Retirement planning calculators

This Cash Back Offer (the “Offer”) is available when you apply to make a Qualifying Transfer and / or make a Qualifying Contribution (‘deposit’) between 22 December 2025 and midnight on 5 April 2026, as defined in Point 2 below.

1. The promoter of this offer is Financial Administration Services Limited (“Fidelity”), Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.
2. You will qualify for the offer if:
   1. You complete a transfer of pension and / or ISA assets from other providers to Fidelity Personal Investing. To transfer assets, you must submit a correctly completed transfer application form online or by paper between 22 December 2025 and midnight on 5 April 2026 (“Qualifying Transfer”); or
   2. You deposit a lump sum into a new or existing Fidelity Self-Invested Personal Pension (SIPP) or ISA online (through the Fidelity Personal Investing web site: Fidelity.co.uk) between 22 December 2025 and midnight on 5 April 2026. (“Qualifying Contribution”); or
   3. You do a combination of (a) and (b) above; and
   4. The Qualifying Transfer and / or Qualifying Contribution have an aggregated value of at least £50,000
3. This offer is not open to those that transfer or contribute via an adviser or intermediary.
4. Cash Back will be paid in the amounts noted in the table in section 9 and will be based on the total combined sum of all transfers applied for and lump sum deposits into Fidelity’s SIPP and / or ISA, during the Offer period. If the aggregated value is less than £50,000 you will not receive any cashback. The minimum transfer value is £100 unless you’re immediately going to start taking money from your SIPP after the transfer, known as pension drawdown, then the minimum is £50,000.
5. The following types of transfer will qualify for the Offer:
   1. Cash transfer – If you transfer in cash within an ISA or pension, the provider you are transferring from will sell your investments and send the proceeds directly to us. We will hold them as cash within your account until you decide what you would like to invest in.
   2. Re-registration – With this type of transfer, you can keep the same investments as long as they're available on our platform. Where required, we will work with your existing provider to convert your units into a share class we can support before transferring them to us. Please note that a further conversion may be required to move you into the cheapest available share class on our platform. If a cheaper share class is available, we will also convert any existing holdings of that share class in your account. During this time, you will not be out of the market, and you may temporarily be converted into a share class with higher charges to facilitate the transfer. The share class conversion activity might take a few days and you will probably have a different number of units in the fund after you move as the prices of different share classes of the same fund are normally different.
      If you hold an investment in a pension or ISA that is not available through our platform or is otherwise unable to be re-registered* it will be moved to us as a cash transfer (see above). A re-registration does not count as a “disposal” for capital gains tax purposes, even if we switch your investment into a different share class. Please note that the minimum SIPP re-registration value is £100.
      *Re-registration is not available for some products on the Fidelity Investment Platform. For example, a number of offshore funds cannot be re-registered. You can check what assets are available on our platform using our Investment Finder.
6. This Offer excludes:
   1. transfers of assets, or lump sum deposits of cash, held in a product/account provided or administered by any company within Fidelity’s group of companies including, without limitation, certain legacy products such as the Fidelity Personal Pension and Fidelity Adviser Solutions SIPP provided by Standard Life, and the EBS SIPP;
   2. transfer of shares from Fidelity Stock Plan Services;
   3. transfers of assets currently held through Fidelity Adviser Solutions (formerly FundsNetwork);
   4. transfers from any defined contribution pension scheme investments held with, or in relation to, a current employer through, or administered by, a Fidelity group company;
   5. transfers of any defined benefit, safeguarded benefit or otherwise guaranteed pensions;
   6. tax relief paid by HMRC into a SIPP account;
   7. lump sum contributions and/or transfers which are linked to an adviser or intermediary;  
   8. lump sum contributions and/or transfer of assets into the Junior SIPP, Junior ISA, or Lifetime ISA; and
   9. the lodgement of certificated shares
7. The Offer will also not apply to assets (including cash) that are currently held in a product/account provided or administered by any company within Fidelity’s group of companies which are transferred to or deposited at another provider and then moved to Fidelity Personal Investing.
8. Any other new investments that do not involve a transfer or lump sum contribution in accordance with paragraph 2 above, subject to the exclusions in paragraphs 5 and 6, will not qualify for the Offer.
9. Any qualifying assets will be subject to the product applicable Fidelity Personal Investing client terms.
10. The amount of your Cash Back payment will be determined by reference to the “Total Value” as set out in the table below. This is based on the total combined sum of all Qualifying Contributions and Qualifying Transfers applied for during the Offer period. If you have transferred a pension or ISA this will be calculated as at the date of completion of the transfer of your eligible assets (“Transfer Date”). If you transfer more than one product the Transfer Date will be the date when all the transfers have been completed.
     

    Total Value	Cash Back Amount
    £50,000 - £74,999	£300
    £75,000 - £99,999	£600
    £100,000 - £249,999	£1,000
    £250,000 - £499,999	£1,500
    £500,000 - £749,999	£1,800
    £750,000 - £999,999	£2,000
    £1,000,000 or over	£3,000

11. Cash Back payments will be paid to your Cash Management Account (CMA) within 90 days following closure of the Offer (5 April 2026). If the transfer of all of your eligible assets has not completed by then, we will pay within 90 days of your Transfer Date. The CMA is a separate account in your name that helps manage cash. The Cash Back can be kept in your CMA for fee collection, withdrawn or moved into whichever Fidelity Personal Investing account you choose. If moved into an ISA or SIPP, it will count towards your annual allowance.
12. We ask that the assets you contribute or move to us as part of this Offer be held with us for at least 18 months and must not be linked to any adviser or intermediary other than a Fidelity adviser during this period. If you transfer or re-register your assets to another provider within this 18-month period, Fidelity reserves the right to reclaim any Cash Back payment that was made to you as part of this Offer. For the avoidance doubt, if during this period you link to a Fidelity adviser and your assets are transferred to Fidelity Adviser Solutions (formerly FundsNetwork) this does not constitute a transfer to another provider. Fidelity may reclaim any Cash Back by withholding an amount prior to transferring or re-registering your assets to another provider. We will not reclaim any Cash Back from assets within a SIPP, other pension or ISA. Withdrawals from your account/s or income payment will not count as transfers for the purposes of this condition and will not result in our reclaiming your cash back payment.

We promote offers on a regular basis. However, it is important that you take enough time to decide whether making a lump sum contribution or transferring your investment(s) to us is right for you. If you need more time and wish to qualify for an offer, please wait until the next offer period.

Issued by Financial Administration Services Limited, which is authorised and regulated in the UK by the Financial Conduct Authority. Fidelity, Fidelity International, the Fidelity International logo and the F symbol are trademarks of FIL Limited.

UKM1125/415967/CSO13119/050426