Self-Invested Personal Pension (SIPP) Accounts
Self-Invested Personal Pension (SIPP) Accounts1
Make your own investment decisions.
The IBKR Advantage
- Invest in stocks, options, futures, currencies, bonds, funds and more across 150 markets in 33 countries from a single integrated account.
- Powerful trading technology and advanced trading tools help you create and execute your trading strategies with ease from virtually any desktop or mobile device.
- Fractional shares let you divide investments among more stocks to achieve a more diversified portfolio.
- Our Stock Yield Enhancement Program lets you earn extra income on the fully-paid shares of stock held in your account.
Lowest Cost**
Our transparent, low commissions and financing rates, support for best price execution, and stock yield enhancement program help minimize costs to maximize your returns.
Low Trading Costs
IBKR offers the lowest commissions and with IBKR’s Universal Account, clients can trade stocks, options, futures, currencies, bonds, and funds around the world from a single screen.* If an exchange provides a rebate, we pass some or all of the savings directly back to you.**
Lowest Financing Costs
We offer the lowest margin loan rates of any broker, according to the StockBrokers.com 2022 online broker review. Click below to calculate your own sample margin loan interest rate.
Earn Extra Income
Earn extra income on the fully-paid shares of stock held in your account. IBKR borrows your shares to lend to traders who want to short and are willing to pay interest to borrow the shares. Each day shares are on loan you are paid interest while retaining the ability to trade your loaned stock without restrictions.
* Regulations require securities and commodities activities to be conducted in separate accounts. Universal Account refers to the consolidation of these accounts for display purposes only, enabling clients the ability to use a single platform to conduct trading activity and view consolidated activity and position information for all products and services offered.
** For more information, click here.
Lower investment costs will increase your overall return on investment, but lower costs do not guarantee that your investment will be profitable.
Discover a World of Opportunities
With IBKR’s Universal Account, clients can trade stocks, options, futures, currencies, bonds, and funds around the world from a single screen.* Fund your account in multiple currencies and trade assets denominated in multiple currencies. Access market data 24 hours a day and six days a week.
150
Markets
33
Countries
25
Currencies
Learn More
* Regulations require securities and commodities activities to be conducted in separate accounts. Universal Account refers to the consolidation of these accounts for display purposes only, enabling clients the ability to use a single platform to conduct trading activity and view consolidated activity and position information for all products and services offered.
Explore our Global Offering
Interactive Brokers strives to provide the best deal on bonds by passing through to our clients the highest of all bids and lowest of all offers we receive from the electronic venues we access. We do not widen spreads, apply hidden fees or markup quotes.
The Mutual Fund Marketplace offers an extensive availability of mutual funds from around the world. Use our Mutual Fund Search Tool to search funds from more than 480 fund families and filter funds by country, fund family, transaction fee or fund type.
The Shortable Instruments (SLB) Search tool is a fully electronic, self-service utility that lets clients search for availability of shortable securities from within Client Portal.
IBKR GlobalAnalyst is designed for investors who are interested in international portfolio diversification. It helps you find new opportunities to diversify your portfolio and discover undervalued companies that may have greater growth potential.
Technology to Help Self-Invested Personal Pension Investors Succeed
Trading Platforms
Powerful enough for the professional trader but designed for everyone. Available on desktop, mobile and web.
Comprehensive Reporting
Real-time trade confirmations, margin details, transaction cost analysis, sophisticated portfolio analysis and more.
Order Types and Algos
100+ order types – from limit orders to complex algorithmic trading – help you execute any trading strategy.
Fractional Trading
Buy or sell almost any US stock using fractional shares, which are stock units that amount to less than one full share, or by placing an order for a specific dollar amount rather than quantity of shares.
Free Trading Tools
Spot market opportunities, analyze results, manage your account and make better decisions with our free trading tools.
Create and Manage Your Complete Portfolio
Mutual Fund/ETF Replicator
Identify and invest in lower cost ETFs with similar strategies to higher-fee mutual funds.
PortfolioAnalyst
Link investment, banking, checking, incentive plan and credit card accounts into a complete portfolio view to calculate returns, understand risks and measure performance against benchmarks.
A Broker You Can Trust
When placing your money with a broker, you need to make sure your broker is secure and can endure through good and bad times. Our strong capital position, conservative balance sheet and automated risk controls are designed to protect IBKR and our clients from large trading losses.
IBKR
Nasdaq Listed
$10.48B
Equity Capital*
76.5%
Privately Held*
$7.1B
Excess Regulatory Capital*
1.81M
Client Accounts*
2.52M
Daily Avg Revenue Trades*
IBKR Protection
*Interactive Brokers Group and its affiliates. For additional information view our Investors Relations - Earnings Release section by clicking here.
Self-Invested Personal Pension (SIPP) Account Structure
Make your own investment decisions through your U.K. Self-Investment Personal Plan (SIPP) account at Interactive Brokers (U.K.) Limited. To access a wide range of eligible financial investments, go through any SIPP Administrator2, which is our client and is authorised and regulated. For a list of SIPP Administrators click here.
SIPP Administrators now have the ability to open a master account, which allows their clients (SIPP Beneficiaries) to trade financial products (e.g., stocks, options, etc.) through IB. This is a great way for SIPP Administrators to create new value and attract new clients that seek low cost and best execution in worldwide markets.
How It Works
First, a SIPP Administrator opens a Pension Administrator account with Interactive Brokers (UK) Limited. This account will be your master account. Once your firm completes our online application and submits their required ID documents, we will review and approve your account.
Next, the SIPP Administrator (the master account) sends invitations to each of their respective SIPP Beneficiaries to open an IB account to make use of our online brokerage services. Once each SIPP Beneficiary subaccount is approved, the SIPP Administrator configures trading permissions for the subaccounts and, once funds are deposited, the SIPP Beneficiary subaccounts are ready to trade.
SIPP Administrators (Master Account) enjoy the following benefits:
- No fees to set up your master account.
- Manage your SIPP Beneficiary subaccounts with our flexible online Account Management.
- Comprehensive reporting, including online statements and reports available for all of your sub accounts.
- Configure user access rights for your internal users to view statements, authorise trading permissions for any of your subaccounts, confirm subaccount funding requests, and more.
- White branding is available at no extra cost.
- Get listed on our website as a pre-approved SIPP Administrator so that any prospective SIPP clients can contact you regarding your services.
- Offer your clients low cost and best execution to trade world markets.
SIPP Beneficiary Clients (Subaccounts) enjoy the following benefits:
- IB's integrated approach makes it easy to trade multiple products on multiple exchanges and assets denominated in multiple currencies from a single account.
- Trade on over 100 market centers in 23 countries.
- Trader Workstation (TWS), our market maker-designed trading platform, optimizes your trading speed and efficiency in a single, comprehensive and customizable workspace.
- View real-time market data, including prices, fundamental data, news and more (terms and costs may apply).
- Comprehensive reporting.
- Manage and control your trading risk with our advanced risk management technology.
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Low cost brokerage fees. For example,
- £3 / €3 per trade for Western European stocks, with no added spreads, account minimums or platform fees. For larger trades (those over £6000 / €6000) the cost is .05% of trade value. These simplified commission rates are available with IB SmartRoutingSM, which optimizes the execution quality for clients by accessing the many exchanges and trading venues across the continent.3 Pricing on US stocks starts at just USD 0.005 per share.
Additional Account Information
SIPP Account Structure Chart
Additional Information
For local assistance in London on SIPP accounts, call 020 7 710 5630.
SIPP subaccounts are only available to individuals between the ages of 18 and 75.
IB does not support QROPs, PRSAs, nor does it accept US citizens or US residents that trade through a SIPP.
You cannot trade CFDs through our SIPP subaccounts.
To trade your SIPP through us, you must first negotiate terms and fees with any of our pre-approved SIPP Administrators.
Open a Self-Invested Personal Pension (SIPP) Account
For information regarding your account, contact Interactive Brokers by clicking here.
For information on SIPC coverage on your account, visit www.sipc.org or call SIPC at
(202) 371-8300.
Looking to open an Individual account instead? Click here.
Disclosures
- SIPP account is a personal pension account that allows individuals to control their retirement savings and where they are invested. A SIPP account provides customers with more flexibility and control over their savings and investments. A SIPP Beneficiary account holder can trade financial products (terms apply). SIPP's are available to all UK residents under the age of 75 and allows customers who are employed or self-employed to contribute up to a predefined amount in any one tax year. Please refer to the HM Revenue & Customs website for more details as these contribution limitations are subject to change annually.
- A SIPP Administrator is an entity that is authorized and regulated in the United Kingdom, which acts as the trustee to a SIPP. A SIPP Administrator provides administration services for a SIPP. Click here for a list of approved SIPP Administrators.
- More information regarding IB SmartRoutingSM is available on our website.
IMPORTANT: Any symbols or references to a pre approved SIPP Administrator that are displayed and noted are for illustrative purposes only and do not portray a recommendation.