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[H1] Feel good, investing.
Whatever your goal, whatever your timeline, putting your money to work is easy with our award-winning investment platform.Open an account
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[H2] Choose an account that’s right for you
Whether you’re looking to build a pot for the future, planning for your retirement, or want general investing options, we’ve got an account for you.

[H3] ISAs
Invest up to £20,000 and enjoy tax-free growth with our range of ISA accounts. Choose from Stocks & shares, Lifetime, or Junior ISAs.

[H3] Pensions
Invest up to £60,000 tax-efficiently each year. Choose from our Self-invested personal pension, Ready-made pension, or Junior SIPP.

[H3] Dealing
If you’ve maxed out your tax-free options, our Dealing account provides all the same options to invest your money, but without limits.

[H3] Cash savings
Not quite ready to invest, but want to grow your savings? Explore our cash savings accounts, including easy access options with exclusive rates.

View all accounts

Remember that the value of investments can change, and you could lose money as well as make it.

[H2] First time investing?
[H3] AJ Bell Dodl may be for you
If you’re new to investing and unsure where to begin, then our simple, low-cost app, AJ Bell Dodl, may be for you. Invest as little as £25 per month in an account that makes investing easy. Choose from a streamlined range of investments that makes investing, well... a Dodl.

Learn more about Dodl

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[H2] First time investing?
[H3] AJ Bell Dodl may be for you
If you’re new to investing and unsure where to begin, then our simple, low-cost app, AJ Bell Dodl, may be for you. Invest as little as £25 per month in an account that makes investing easy. Choose from a streamlined range of investments that makes investing, well... a Dodl.Learn more about Dodl

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Download the app

[H2] Options for every investor
Grow your money, your way with our range of investment options.
Whether you're looking for the confidence of bonds & gilts or the diversity of the worldwide stock market, we've got you covered.

Our range of low-cost, hassle-free funds that are built and managed by our investment experts. Just choose which one suits you, and we’ll do the rest.

Our experts have carefully chosen a list of top funds from across the market that we think give the best value when it comes to fees and growth potential.

Invest in the world’s biggest companies listed across 24 international markets, including the UK, US, Japan, Canada, and more.

Build a portfolio from thousands of funds, investment trusts, exchange traded funds, as well as bonds and gilts.

See all options

[H2] Unmissable content from our experts
We have some of the finest financial minds in the industry, and they’re here to share their thoughts, analysis, and knowledge to help you decide how to invest your money.

[H3] News and insights
Read the latest news and sharpest insight from our experts, and if you’re on the go, stay informed with our Money & Markets and Money Matters podcasts.

[H3] Learn to invest
Whether it’s brushing up on your knowledge or learning how to put your money to work, we help you navigate the world of investing through free articles and guides.

[H3] Shares magazine
Our monthly magazine, free for everyone. Full of expert analysis to help grow your wealth with investing ideas and insight on the events that move the markets.

IntroductionWe’re here to make investing easy. Subscribe for free, and we'll email you with the knowledge and tools you need to feel good investing.Webform

[H2] We're here to help you invest
We’ve been helping our customers put their money to work for over 30 years. And with over 723,000 customers, that’s a lot of people taking control of their financial futures. We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re the only investment provider to be Which? Recommended eight years running, 2019-2026. So, when you're ready to feel good, investing, we're here to help.

Open an account

Learn more about investing

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[H1] Our investment accounts
Ready to put your money to work? Then you’ve come to the right place.
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[H2] Stocks and shares ISA
Invest £20,000 this tax year into our tax-free ISA and access your money when you want it.More on Stocks & shares ISAs

[H2] Self-invested personal pension
Put your pension pot in your own hands with our award-winning Self-invested personal pension.More on SIPPs

[H2] Ready-made pension
Our low-cost, low-maintenance, simplified pension removes the hassle of managing your investments.More on Ready-made pensions

[H2] Dealing
Low-cost and unlimited investing with our Dealing account once you’ve used up your tax-free allowances.More on Dealing accounts

[H2] Lifetime ISA
Invest up to £4,000 per year in our Lifetime ISA and get a government bonus of up to £1,000.More on Lifetime ISAs

[H2] Cash savings
Not quite ready to invest, but want to grow your savings? Our competitive cash saving accounts now including easy access options with flexible withdrawals.More on cash savings

[H3] Junior ISA
Build a nest egg for your child – save up to £9,000 tax-free every year until they turn 18.More on Junior ISAs

[H3] Junior ISA
Build a nest egg for your child – save up to £9,000 tax-free every year until they turn 18.More on Junior ISAs

Remember that the value of investments can change, and you could lose money as well as make it.

[H2] An introduction to AJ Bell
See how easy it is to get investing by watching our account introduction video. Plus, join our mailing list for free investing tips and ideas to help you manage your money.

An introduction to AJ Bell

Take a tour of the features of your AJ Bell account, including your portfolio, buying and selling shares, topping up your account, our research pages, and much more.

IntroductionWe’re here to make investing easy. Subscribe for free, and we'll email you with the knowledge and tools you need to feel good investing.Webform

[H2] Compare our investment accounts
Deciding where to invest your money can be confusing, which is why we’ve made things easier.Whether you’re building a pension pot, saving for the future, or just looking to invest, find everything  you need to know by comparing our accounts and choose the best option for you.

Compare accounts

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[H1] Stocks and shares ISA
[H3] Make the most of your £20,000 ISA allowance each year using AJ Bell's low-cost Stocks and shares ISA.
Open a Stocks & shares ISAView charges
[IMG: Which? award for Stocks & Shares ISA 2026]
Trustpilot
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[H2] What is a Stocks and shares ISA?
Stocks and shares ISAs (also referred to as investment ISAs) are a great option for anyone who wants to build an investment pot over the long term whilst keeping the option to access their savings if they need it.Open a Stocks & shares ISA View key features

Tax-free investingWith this account, you don’t pay income or capital gains tax on any growth to your pot – meaning you keep more returns for yourself. Invest up to £20,000 a yearEach tax year, you get an annual ISA allowance of £20,000 to invest into different types of ISA accounts. Anytime withdrawalsIt’s free to withdraw money from your Stocks and shares ISA whenever you need to – you'll just need to leave at least £100 in your account to keep it open. As this isn’t a flexible ISA, any money you pay back in will count towards your annual allowance. Start investing from just £25Once you've funded your account, you’re ready to go. Set up a £25 monthly direct debit, make a one-off £250 payment, or transfer an ISA for free.

[H2] What is a Stocks and shares ISA?
Stocks and shares ISAs (also referred to as investment ISAs) are a great option for anyone who wants to build an investment pot over the long term whilst keeping the option to access their savings if they need it. Tax-free investingWith this account, you don’t pay income or capital gains tax on any growth to your pot – meaning you keep more returns for yourself. Invest up to £20,000 a yearEach tax year, you get an annual ISA allowance of £20,000 to invest into different types of ISA accounts. Anytime withdrawalsIt’s free to withdraw money from your Stocks and shares ISA whenever you need to – you'll just need to leave at least £100 in your account to keep it open. As this isn’t a flexible ISA, any money you pay back in will count towards your annual allowance. Start investing from just £25Once you've funded your account, you’re ready to go. Set up a £25 monthly direct debit, make a one-off £250 payment, or transfer an ISA for free.Open a Stocks & shares ISA  View key features

Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.

Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.

[H2] Low-cost charges, high-value service

You'll never pay more than 0.25% annually to manage your account Deal online for as little as £1.50 Foreign exchange fees capped at 0.75%

We make sure our Stocks and shares ISA charges at AJ Bell are among the lowest in the market, so you’ll always get excellent value on your investments. Charges calculatorView charges

See what your charges could look like

[H2] AJ Bell ISA charges
Our low charges mean you can keep more of the money you make.Based on a starting portfolio of £15,000 invested across funds and shares, here's what you'll pay in a year.Funds Funds allow you to cost-effectively build a diversified portfolio across geographic markets, industry sectors or asset classes. We've more than 2,000 funds you can choose from. You can also invest in unit trusts, OEICs and structured products.£10,000.002 Fund deals per year  Shares There are thousands of companies on UK and international markets for you to invest in.£5,000.002 Share deals per year  Estimated annual charge£50.50
[IMG: AJ Bell logo white]

[H2] Low-cost charges, high-value service

You'll never pay more than 0.25% annually to manage your account Deal online for as little as £1.50 Foreign exchange fees capped at 0.75%

We make sure our Stocks and shares ISA charges at AJ Bell are among the lowest in the market, so you’ll always get excellent value on your investments. Charges calculatorView charges

See what your charges could look like

[H2] AJ Bell ISA charges
Our low charges mean you can keep more of the money you make.Based on a starting portfolio of £15,000 invested across funds and shares, here's what you'll pay in a year.Funds Funds allow you to cost-effectively build a diversified portfolio across geographic markets, industry sectors or asset classes. We've more than 2,000 funds you can choose from. You can also invest in unit trusts, OEICs and structured products.£10,000.002 Fund deals per year  Shares There are thousands of companies on UK and international markets for you to invest in.£5,000.002 Share deals per year  Estimated annual charge£50.50
[IMG: AJ Bell logo white]

[H2] Choose your Stocks and shares ISA investments
You’re the decision maker when it comes to choosing how and where to invest money in your Stocks and shares ISA. Get started with as little as £25 per month with our free regular investment service. If you're not sure what to invest in, our range of investment ideas help take the confusion out of investing. But if picking and choosing investments is part of the fun for you, we've got everything you need.

AJ Bell funds – our low-cost, hassle-free funds, built and managed by our experts. Just choose which one suits you, and we’ll do the rest Our Favourite funds – our expert choice of top funds that we think offer you the best value and growth potential Investment funds – we have over 4,000 funds and ETFs across dozens of markets, sectors, and asset classes UK,
US and global shares – invest in the world’s biggest including the UK, US, Japan, Canada, and more Bonds and gilts – our corporate bonds and UK gilts help keep things simpleSee AJ Bell's investment ideas See the full investment range

[H2] Choose your Stocks and shares ISA investments
You’re the decision maker when it comes to choosing how and where to invest money in your Stocks and shares ISA. Get started with as little as £25 per month with our free regular investment service.If you're not sure what to invest in, our range of investment ideas help take the confusion out of investing. But if picking and choosing investments is part of the fun for you, we've got everything you need.

AJ Bell funds – our low-cost, hassle-free funds, built and managed by our experts. Just choose which one suits you, and we’ll do the rest Our Favourite funds – our expert choice of top funds that we think offer you the best value and growth potential Investment funds – we have over 4,000 funds and ETFs across dozens of markets, sectors, and asset classes UK,
US and global shares – invest in the world’s biggest including the UK, US, Japan, Canada, and more Bonds and gilts – our corporate bonds and UK gilts help keep things simpleSee AJ Bell's investment ideasSee the full investment range

[H2] Stay on track with the AJ Bell app
Manage your investments, check in on your performance, or set up a new account whenever you want with the AJ Bell app.You can download it from the Apple and Google app stores, or just scan the QR code to find it instantly.
[IMG: AJ Bell app QR code]

Learn more about the app

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[H2] Stay on track with the AJ Bell app
Manage your investments, check in on your performance, or set up a new account whenever you want with the AJ Bell app.You can download it from the Apple and Google app stores, or just scan the QR code to find it instantly.Learn more about the app Download the app

[IMG: Single phone screen]

[IMG: Double stationery phones]

[H2] Expert tips on… Stocks and shares ISAs

[IMG: Dan Coatsworth ]
Dan CoatsworthHead of Markets

Understanding how to manage a Stocks and shares ISA is important for anyone interested in investing.

Open a Stocks & shares ISA

Learn more about investment ISAs

Here are some points to remember:You’re allowed to pay in up to £20,000 across a range of different types of adult ISAs* including a Stocks and shares ISA in a single tax year. You can make multiple subscriptions to different types of ISAs including a Stocks and shares ISA, meaning you can open accounts with different providers in the same tax year. There are no restrictions or penalties for taking money out of a Stocks and shares ISA. If you already hold a Stocks and shares ISA with AJ Bell, you don’t have to open a new one each tax year. You can keep paying into the existing one. There’s no tax to pay on income or capital gains for investments held inside a Stocks and shares ISA. *Lifetime ISAs are capped at £4,000.

[H2] Expert tips on… Stocks and shares ISAs
Understanding how to manage a Stocks and shares ISA is important for anyone interested in investing.
[IMG: Dan Coatsworth  Editor-in-Chief]
Dan CoatsworthHead of MarketsHere are some points to remember:You’re allowed to pay in up to £20,000 across a range of different types of adult ISAs* including a Stocks and shares ISA in a single tax year. You can make multiple subscriptions to different types of ISAs including a Stocks and shares ISA, meaning you can open accounts with different providers in the same tax year. There are no restrictions or penalties for taking money out of a Stocks and shares ISA. If you already hold a Stocks and shares ISA with AJ Bell, you don’t have to open a new one each tax year. You can keep paying into the existing one. There’s no tax to pay on income or capital gains for investments held inside a Stocks and shares ISA. *Lifetime ISAs are capped at £4,000.Open a Stocks & shares ISA   More about investment ISAs

[H2] Stocks and shares ISA FAQs
Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about Stocks and shares ISA accounts.

[H3] How can I open an AJ Bell account?

Answer

You can open an AJ Bell account online in just a few short steps. You’ll need to have some information to hand, including your:Personal detailsNational Insurance NumberDebit cardThe details of any account you may be transferring inOnce you've opened your new account, you'll need to make an initial minimum deposit, so that your account is funded. Before opening an account, please make sure you read…
Read more

[H3] Who can open a Stocks and shares ISA?

Answer

To open a Stocks and shares ISA, you must be 18 or over and one of the following:Ordinarily resident in the UKWorking/serving as a Crown employee overseas, such as a member of the Armed Forces or a diplomatA spouse or civil partner of a Crown employee, working overseasOnce your ISA is opened, you'll either need to make a first deposit of at least £250, set up a direct debit of £25 per month, or…
Read more

[H3] What are the minimum and maximum amounts I can invest in an ISA?

Answer

To open our Stocks and shares ISA or Lifetime ISA, you need to invest a lump sum of £250 or more. You can also invest at least £25 monthly with our regular investment service with absolutely no AJ Bell dealing charge. To get started, just log into your account and click 'Regular investments'.Your maximum ISA allowances per year for the 2026/27 tax year are:£20,000 overall for all types of ISAs£4…
Read more

[H3] How do I transfer to AJ Bell?

Answer

It's easy to transfer to AJ Bell. First, you'll need to open an AJ Bell account, if you haven't opened it already. It takes less than ten minutes to open an account online. During the application, you'll be asked to enter the details of the account(s) you want to transfer.If you already have a SIPP, ISA, Lifetime ISA or Dealing account, you can start the transfer process straight away. Just log in…
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[H3] Can I open a Stocks and shares ISA with an initial lump sum and top up at a later date?

Answer

Yes, you can. When you first open a Stocks and shares ISA, you’ll need to deposit a minimum of £250. After that, you can add as much or as little as you like – just remember to stay within your annual ISA allowance, which for the 2026/27 tax year is £20,000. ISA allowances renew every 6 April, though any unused allowance doesn't roll over. You can use your allowance by paying in lump sums, or by…
Read more

[H3] Do you offer a cash ISA?

Answer

No, we offer a Stocks and shares ISA only. However, you can hold cash in your AJ Bell account while you’re deciding what to invest in.Learn more about the differences between a Cash ISA and a Stocks and shares ISA.

[H3] Do you offer a flexible ISA?

Answer

No, an AJ Bell Stocks and shares ISA isn’t flexible. That means you can take money out, but it’ll count towards your subscription limit if you pay it back in the same tax year.

[H3] Need more help?
Our customer support team are here to help when you need it. Here’s how to get in touch.Contact us Start a web chat

[H2] Learn more about Stocks and shares ISAs
We get it. Deciding what to do with your hard-earned money can be difficult, especially if you’re unsure where you should invest it. Here, our in-house experts help you by sharing their investing knowledge.

[H3] What is a Stocks and shares ISA?
Grasp the basics of investment ISAs before you begin.

[H3] Guide to ISAs
All you need to know about investing in an ISA.

[H3] Compare ISAs and SIPPs
Find out which type of account is right for you.

[H2] We're here to help you invest
We’ve been helping our customers put their money to work for over 30 years. And with over 723,000 customers, that’s a lot of people taking control of their financial futures. We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re the only investment provider to be Which? Recommended eight years running, 2019-2026. So, when you're ready to feel good, investing, we're here to help.

Open an account

Learn more about investing

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[H1] Self-invested personal pension (SIPP)
[H3] Save up to £60,000 from tax each year with our Which? Recommended low-cost pension.
Open a SIPPView SIPP charges
[IMG: Which recommended SIPP provider 2026]
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[H2] What is a SIPP?
Our Self-invested personal pension (SIPP) puts you in control of your retirement.With complete flexibility to decide how much, when, and where your pot is invested, build a portfolio using our full range of SIPP investments.Open a SIPPView SIPP key features

Invest up to £60,000 per yearWith a £60,000 annual personal allowance each tax year, including tax relief, build a pension pot that’s right for you. 20% government tax reliefIt only costs 80p of your own investment to save £1, thanks to 20% government tax relief. And it’s even more efficient if you’re a higher earner. Access from age 55Enjoy early access to your retirement savings when you reach age 55 (rising to 57 from 6 April 2028) onwards. Start investing from just £25Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £500 payment, or transfer a SIPP for free.

[H2] What is a SIPP?
Our Self-invested personal pension (SIPP) puts you in control of your retirement. With complete flexibility to decide how much, when, and where your pot is invested, build a portfolio using our full range of SIPP investments.  Invest up to £60,000 per year With a £60,000 annual personal allowance each tax year, including tax relief, build a pension pot that’s right for you. 20% government tax reliefIt only costs 80p of your own investment to save £1, thanks to 20% government tax relief. And it’s even more efficient if you’re a higher earner. Access from age 55Enjoy early access to your retirement savings when you reach age 55 (rising to 57 from 6 April 2028) onwards. Start investing from just £25Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £500 payment, or transfer a SIPP for free.Open a SIPP  View SIPP key features

Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.

Investing over the long term typically outperforms cash savings, but values can fall as well as rise over time. Any information we provide is to help with your research and isn't financial advice.

[H2] AJ Bell SIPP charges

You'll never pay more than 0.25% annually to manage your account Deal online for as little as £1.50 Foreign exchange fees capped at 0.75%

We make sure our SIPP charges are among the lowest in the market, so you’ll always get excellent value on your investments. Charges calculatorView charges

See what your charges could look like

[H2] SIPP charges example
Our low charges mean you can keep more of the money you make.Based on a starting portfolio of £15,000 invested across funds and shares, here's what you'll pay in a year.Funds Funds allow you to cost-effectively build a diversified portfolio across geographic markets, industry sectors or asset classes. We've more than 2,000 funds you can choose from. You can also invest in unit trusts, OEICs and structured products.£10,000.002 Fund deals per year  Shares There are thousands of companies on UK and international markets for you to invest in.£5,000.002 Share deals per year  Estimated annual charge£50.50
[IMG: AJ Bell logo white]

[H2] AJ Bell SIPP charges

You'll never pay more than 0.25% annually to manage your account Deal online for as little as £1.50 Foreign exchange fees capped at 0.75%

We make sure our SIPP charges are among the lowest in the market, so you’ll always get excellent value on your investments. Charges calculatorView charges

See what your charges could look like

[H2] SIPP charges example
Our low charges mean you can keep more of the money you make.Based on a starting portfolio of £15,000 invested across funds and shares, here's what you'll pay in a year.Funds Funds allow you to cost-effectively build a diversified portfolio across geographic markets, industry sectors or asset classes. We've more than 2,000 funds you can choose from. You can also invest in unit trusts, OEICs and structured products.£10,000.002 Fund deals per year  Shares There are thousands of companies on UK and international markets for you to invest in.£5,000.002 Share deals per year  Estimated annual charge£50.50
[IMG: AJ Bell logo white]

[H2] Track down a lifetime of lost pensions
Our free Pension finder service is exclusively available to AJ Bell customers.All we need are a few details about you and your previous employers, then we’ll get to work finding your lost workplace pensions. Once found, they’ll be transferred to your account in cash ready for you to invest.

[IMG: AJBell website Find my pension graphic]

Find your pensions

[H2] Choose your SIPP investments
You’re the decision maker when it comes to choosing how and where to invest money in your Self-invested personal pension. Get started with as little as £25 per month with our regular investment service. If you're not sure what to invest in, our range of investment ideas help take the confusion out of investing. But if picking and choosing investments is part of the fun for you, we've got everything you need.

AJ Bell funds – our low-cost, hassle-free funds, built and managed by our experts. Just choose which one suits you, and we’ll do the rest Our Favourite funds – our expert choice of top funds that we think offer you the best value and growth potential Investment funds – we have over 4,000 funds and ETFs across dozens of markets, sectors, and asset classes UK,
US and global shares – invest in the world’s biggest including the UK, US, Japan, Canada, and more Bonds and gilts – our corporate bonds and UK gilts help keep things simpleSee AJ Bell's investment ideas See the full investment range

[H2] Choose your SIPP investments
You’re the decision maker when it comes to choosing how and where to invest money in your Self-invested personal pension. Get started with as little as £25 per month with our regular investment service. If you're not sure what to invest in, our range of investment ideas help take the confusion out of investing. But if picking and choosing investments is part of the fun for you, we've got everything you need.

AJ Bell funds – our low-cost, hassle-free funds, built and managed by our experts. Just choose which one suits you, and we’ll do the rest Our Favourite funds – our expert choice of top funds that we think offer you the best value and growth potential Investment funds – we have over 4,000 funds and ETFs across dozens of markets, sectors, and asset classes UK,
US and global shares – invest in the world’s biggest including the UK, US, Japan, Canada, and more Bonds and gilts – our corporate bonds and UK gilts help keep things simpleSee AJ Bell's investment ideas See the full investment range

[H2] Stay on track with the AJ Bell app
Manage your investments, check in on your performance, or set up a new account whenever you want with the AJ Bell app.You can download it from the Apple and Google app stores, or just scan the QR code to find it instantly.
[IMG: AJ Bell app QR code]

Learn more about the app

[IMG: Single phone screen]

[IMG: Double stationery phones]

[H2] Expert tips on... SIPPs

[IMG: Charlene Young]
Charlene YoungPensions and Savings Expert

Understanding how to manage a Self-invested personal pension is important for anyone interested in saving for retirement.

Open a SIPP

Learn more about SIPPs

Our SIPP gives you full flexibility as to how and when you can withdraw your money in retirement (minimum age 55 rising to 57 from 6 April 2028).You can take up to 25% tax-free when you come to access your SIPP, subject to your overall lump sum allowance of £268,275.Transfer in old pensions or open alongside your current workplace pension, with both you and your employer (including your own business) able to pay into your SIPP. Anything you keep invested will continue to grow, sheltered from tax, while tax relief means that £1,000 in a SIPP can cost as little as £550. A SIPP isn’t part of your estate, so it's a very tax-efficient way of leaving funds to your loved ones after you’re gone. You can nominate anyone from family members and friends to your favourite charity. Get an accurate idea of what your retirement income could look like after you turn 55, with our pension calculator.

[H2] Expert tips on… SIPPs
Understanding how to manage a Self-invested personal pension is important for anyone interested in saving for retirement.
[IMG: Charleen Young]
Charlene YoungPensions and Savings ExpertOur SIPP gives you full flexibility as to how and when you can withdraw your money in retirement (minimum age 55 rising to 57 from 6 April 2028). You can take up to 25% tax-free when you come to access your SIPP, subject to your overall lump sum allowance of £268,275.Transfer in old pensions or open alongside your current workplace pension, with both you and your employer (including your own business) able to pay into your SIPP. Anything you keep invested will continue to grow, sheltered from tax, while tax relief means that £1,000 in a SIPP can cost as little as £550. A SIPP isn’t part of your estate, so it's a very tax-efficient way of leaving funds to your loved ones after you’re gone. You can nominate anyone from family members and friends to your favourite charity. Get an accurate idea of what your retirement income could look like after you turn 55, with our pension calculator.Open a SIPP  Learn more about SIPPs

[H2] Is a SIPP pension right for me?

Our Self-invested personal pension is for those who want full control over how their pension is invested. It may be right for you if: You want to build and manage your own investment portfolio You want a wide range of investments, including shares, bonds, and more   You want to access your pension within the next five yearsIf you’d prefer a more hands-off personal pension, where our experts manage your investments instead, our Ready-made pension may be more suitable.

[H3] Ready-made pension
Our low-cost, low maintenance, simplified pension that removes the hassle of managing your investments.

[H2] Is a Self-invested personal pension right for me?

Our Self-invested personal pension is for those who want full control over how their pension is invested. It may be right for you if: You want to build and manage your own investment portfolio You want a wide range of investments, including shares, bonds, and more   You want to access your pension within the next five years

[H3] Ready-made pension
Our low-cost, low maintenance, simplified pension that removes the hassle of managing your investments.

If you’d prefer a more hands-off personal pension, where our experts manage your investments instead, our Ready-made pension may be more suitable.

You can only open one type of pension account with us. So, whether it’s our Self-invested personal pension or a Ready-made pension, make sure you choose the account that’s best for you.

You can only open one type of pension account with us. So, whether it’s our Self-invested personal pension or a Ready-made pension, make sure you choose the account that’s best for you.

[H2] Frequently asked SIPP questions
Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about our SIPP account.

[H3] How do I apply for a SIPP?

Answer

You can apply for a SIPP online if you're a UK resident for tax purposes. It takes around 15 minutes, and you'll need some details, including your:National Insurance numberEmployers' detailsDebit card details (to pay cash into your account)Details of any pensions you’d like to transfer inOnce you’ve completed the application, you can make a lump sum contribution with a debit card. You can also set…
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[H3] Can I transfer an existing pension into a SIPP?

Answer

You can transfer most types of UK pensions, including occupational pensions, into an AJ Bell SIPP free of charge. But before transferring a pension to us, it's important to consider the following:Can the investments in your pension be held in an AJ Bell SIPP? You should check what you can transfer to us beforehand.If you sell your investments so you can transfer in cash, you'll be out of the…
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[H3] Is a SIPP a stakeholder pension?

Answer

A SIPP is not a stakeholder pension. Both are personal pension plans governed by the same contribution and tax relief rules. However, they have key differences:A stakeholder pension is a simple pension plan with limited investment options and maximum annual charges that must be met by providers.A SIPP offers you complete control over how your pension pot is invested and the freedom to make changes…
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[H3] Can I withdraw cash from my SIPP at any time?

Answer

You can't usually access the money in your SIPP account until the minimum retirement age of 55. This will rise to 57 in 2028. After that, it will rise in line with the state pension age while staying 10 years below it.For example, if the state pension age rises to 68, the minimum retirement age to withdraw from your SIPP will be 58.If you’ve turned 55 and are looking to access your pension for the…
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[H3] Can I open a SIPP for my child?

Answer

You can set up a Junior SIPP for a child under the age of 18. Anyone can make contributions to the SIPP up to a total of £3,600 a year, including tax relief.Read more about investing for children.

[H3] Need more help?
Our customer support team are here to help when you need it. Here’s how to get in touch.

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[H2] Learn more about SIPPs
We get it, planning for retirement can be daunting and confusing. If you want to know more about saving for retirement or tips on how to make your pension last as long as you need, find out more below.

[H3] What is a SIPP?
Discover the meaning of a SIPP, its charges and benefits, and how a SIPP works.

[H3] Pension tax relief
You’ll get basic-rate tax relief at 20% on any SIPP