Pensions
Your retirement, your rules
Your pension should give you possibilities, not limits. A Self Invested Personal Pension (SIPP) puts you in control - combining flexibility, freedom, and tax-efficient growth to help you build and manage long-term wealth.
Investing for the long term gives your pension more time to grow, but the value of your investments can go down as well as up, and you could get back less than you put in. Tax relief and benefits depend on your circumstances and may change in future. You’re responsible for your investment choices.
Why Swissquote, not just any SIPP?
The power of choice
Invest in shares, funds, bonds, ETFs, or property. Manage it yourself or with advice - either way, you’re in control.
More value, less cost
Enjoy tax relief, tax-free growth, and up to 25% cash at retirement - so more of your capital works for your long-term goals.
Manage in one place
Consolidate old pensions with simple transfers and the backing of a Swiss banking group - simpler to manage, stronger for the future.
How it works
Open your SIPP account
Set up online in minutes. Bring old pensions across with simple transfer tools, so everything sits in one place.
Add contributions
Pay in regularly or as a lump sum, with tax relief added to grow your savings faster.
Choose investments
Build a mix of shares, funds, bonds and ETFs. Do it yourself or work with your own financial adviser.
Access your retirement
From age 55 (57 from 2028), take your money the way that suits you - through drawdown, lump sums, or an annuity. You can also include your pension in estate planning, so your savings may be passed on depending on individual circumstances.
For planners, doers, and dreamers
A Swissquote SIPP gives you full control, supported by our innovative platform. Manage your pension, track performance, and invest across global markets - all from one intuitive space. With smart tools, real-time data, and secure access wherever you are, you’re always in charge of how your future grows.
Ready when you are
Set up in minutes. We guide you through every stage, so you’ll be up and running in no time.
- Quick to open
- Simple to manage
- Flexible to use
Fees that stay fair
No hidden charges. No surprises. Just transparent, competitive pricing that keeps more of your capital invested and working for you.
No account fee over £500k
Low dealing costs from £2.50 per trade
Tiered FX rates
Transparent pricing and no hidden fees
Standard Investment There will be periods of trading followed by periods of chilling | Passive Investment Playing the long game, make strategic moves when ready | Active Investment Makes moves and jumps on opportunities | |
|---|---|---|---|
Account charge | From 0.35% | From 0.40% | From 0.30% |
Dealing (per trade) | From £3.50 | From £4.50 | From £2.50 |
FX rate | From 0.50% | From 0.75% | From 0.50% |
Standard Investment
There will be periods of trading followed by periods of chilling
Account charge | From 0.35% |
Dealing (per trade) | From £3.50 |
FX rate | From 0.50% |
Passive Investment
Playing the long game, make strategic moves when ready
Account charge | From 0.40% |
Dealing (per trade) | From £4.50 |
FX rate | From 0.75% |
Active Investment
Makes moves and jumps on opportunities
Account charge | From 0.30% |
Dealing (per trade) | From £2.50 |
FX rate | From 0.50% |
Investments can go down as well as up, so you may get back less than you put in. We don’t give financial advice, so it’s important to understand the risks before you invest. If you’re unsure, speak to a qualified adviser. Pension and tax rules may change, and benefits depend on your circumstances. Past performance isn’t a guide to future returns, and some investments are best held long term.
Your questions, Answered.
Here when you need us
No bots. No scripts. Just people.
Our London team is ready to offer their support, in your language, on your schedule.
Available from 8am – 8pm