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Self-Invested Personal Pension (SIPP)

Important information - the value of investments can go down as well as up so you may not get back what you invest. Eligibility to invest in a SIPP and tax treatment depends on personal circumstances and all tax rules may change in the future. You cannot normally access money in a SIPP until age 55 (57 from 2028). It’s important to understand that pension transfers are a complex area and may not be suitable for everyone.

Looking after future you, today

Fidelity’s flexible, award-winning SIPP is a great way to save for retirement with significant tax benefits. You choose what to invest in and when and can contribute in lump sums or with a regular savings plan.


Start saving today

Save from as little as £20 a month and HMRC will add 25% to each payment*


Low service fee

We keep costs low so you keep more of your money


Get £25 cashback

When you invest. Exclusions, T&Cs apply and can be found below.


A wealth of choice

Thousands of funds and shares to choose from to help you reach your retirement goals.


Expert guidance

Including insights and investment tools to help you on your way.


Flexible retirement options

When the time comes to begin taking your pension.

The minimum age you can normally access your pension savings is currently 55, and is due to rise to 57 on 6 April 2028, unless you have a lower protected pension age.

*To pay in a total of £25 to your SIPP, you would only need to contribute £20, and the government would pay the other £5. If you pay income tax at above the basic rate, you can claim even more tax relief through your tax return or by writing to HMRC.

Why a Fidelity SIPP?

  • Wide investment choice  - funds, shares, investment trusts and ETFs, giving you more ways to meet your investment goals 
  • Low service fee - we keep costs low so you keep more of your money
  • Support to help you with your investment decisions - online guidance, videos, planning calculators, easy to use investment selection tools and much more 
  • Additional benefits - if you invest over £250,000 with us, including an even lower service fee and your own Relationship Manager.
  • Which? Recommended Provider for Self-Invested Personal Pensions – we’re delighted to be a recommended provider two years running
Transfer now

Tax-efficient savings

  • Any contributions you make are boosted by the government. For every £80 you invest HMRC adds £20 - and more if you’re a higher or additional rate taxpayer.
  • With your 2022/23 tax year pension allowance you can invest up to £40,000, capped at the amount you earn if this is less.
  • Your pension pot grows free of UK tax and you can normally take up to 25% tax free cash from age 55 (57 from 2028), with the rest of your withdrawals subject to income tax at your marginal rate.

Get cashback when you invest

Set up a new monthly regular savings plan for at least £200, or invest a lump sum of £2,500 or more in a Fidelity SIPP, ISA or Investment Account online by 12 September ’22 and receive £25 cashback. Exclusions, T&Cs apply.

Important - Please complete the offer registration form below to claim your cashback. You can do this anytime up to the offer closing date. This offer is available to both new and existing customers.


Claim your £25 cashback

If you're eligible for the £25 cashback offer, you must also complete and submit the offer registration form below by midnight 12 September ‘22.

The name and email address you provide must be the same as those on your Fidelity account. If you haven't already registered an email address with us, please update your profile in your online account or contact us and we can do it for you.

Time to take control of your retirement

Open a SIPP

Start a regular savings plan from £20, or make a lump sum payment of at least £800.

Transfer a pension

Enter details of your current provider, we'll do the rest and let you know when it's complete.

Open a Junior SIPP

You could make a real difference to your child’s future too.

If your employer will be the primary payer to the SIPP, you can open an account with the Employer SIPP form.

If someone else (e.g. your partner) will be the primary payer, open your account with the Third party SIPP form.


Bring your pensions together and get £100 to £1,500 cashback

Having pensions spread across multiple companies can be both time-consuming and costly. Bringing them together in one place means less stress and less paperwork.

Fidelity’s SIPP can also make a good home for old pensions when you're ready to transfer, providing you with a single view of your retirement savings and helping you be better prepared for the future you want.

We don’t charge you to transfer and we’ll even cover any exit fees you may incur, up to a total of £500 per person T&Cs apply. Plus, if you apply to transfer by 6 October 2022, you’ll receive £100 to £1,500 cashback ( exclusions, T&C apply). 

Important information - It’s important to understand that pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered. To find out what else you should consider before transferring, please read our transfer factsheet. If you are unsure about the suitability of an investment you should speak to one of Fidelity’s advisers or an authorised financial adviser of your choice.

Find out more about transferring pensions to Fidelity.

Our awards

We don’t like to blow our own trumpet, but its nice when someone else does.  We’re also proud to announce we’re a Which? Recommended Provider for Self-Invested Personal Pensions - two years running.

See our awards 

Need help?

Call our UK & Ireland-based team

0333 300 3350

Weekdays 9am-5.30pm & Saturdays 9am-2pm

Understanding the SIPP basics

If you need some basic information about SIPPS, we have everything you need, whether you're new to self-invested personal pensions or just need a refresher. 


What are the SIPP eligibility rules?
Who can contribute to my SIPP?
Is my pension taxable?
How much does Fidelity's SIPP cost?
Can I transfer my pension to Fidelity's SIPP?
What pensions are available for self-employed workers?

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Important information - This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity’s advisers or an authorised financial adviser of your choice.