Freedom Isn’t Free UK Personal Finance
Pensions
AJ Bell SIPP UK: Charges, Funds and How It Works
The AJ Bell SIPP is a self-invested personal pension. The custody charge is 0.25% a year on funds, tiering down above GBP 250,000, and is capped at GBP 120 a year if you hold shares. Fund deals cost GBP 1.50 and share deals GBP 5. You pick the investments, or use a ready-made option.
AJ Bell SIPP charges and features (from 1 May 2026)
| Feature | Detail |
|---|---|
| Account type | Self-invested personal pension (defined contribution) |
| Custody charge (funds) | 0.25% a year to GBP 250,000, then 0.10% to GBP 500,000, and free above GBP 500,000 |
| Custody charge (shares, ETFs, investment trusts) | 0.25% but capped at GBP 10 a month (GBP 120 a year) |
| Fund dealing | GBP 1.50 online |
| Share dealing | GBP 5.00 online |
| Ready-made option | Yes - AJ Bell ready-made portfolios; the Dodl app is a cheaper 0.15% sibling |
| Access age | 55, rising to 57 on 6 April 2028 |
| Protection | FCA-regulated; FSCS may cover up to GBP 85,000 per person if the provider fails (the investment cap, not the GBP 120,000 deposit cap, and it does not cover investment losses) |