Self-Invested Personal Pension (SIPP) Accounts

Self-Invested Personal Pension (SIPP) Accounts¹

Make your own investment decisions.

Professional Pricing Global Markets Innovative Technology Financial & Strength Account Structure Open Account

The IBKR Advantage

Invest in stocks, options, futures, currencies, bonds, funds and more across 160 markets in 36 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.
There are no custody fees for overnight or long-term investments, and no fees to transfer your account from another broker.

Professional Pricing - Maximize Your Returns

IBKR offers low trading fees¹ 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.³

Learn About Commissions

The lowest margin rates, with rates as low as USD 4.83%.²

Compare Margin Rates

Earn interest rates of up to USD 3.83% on instantly available cash.³

Compare Interest Rates

Earn extra income on your lendable shares.

See Stock Yield Enhancement

** 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.

Low trading fees according to BrokerChooser Online Broker Survey 2025: Read the full article Online Broker Reviews, February 2025. "Interactive Brokers has low trading fees and the best margin rates in the industry. IB currently pays interest (up to 3.83% for USD) on cash balances if you have a $100k account (net asset value)."
Subject to any applicable legal or regulatory requirements.
According to StockBrokers.com Interactive Brokers Review: Read the full article Online Broker Reviews, January 29, 2025. "Interactive Brokers continues to lead with unbeatable margin rates, a significant advantage for active and professional traders." View our margin rates for more information.
Restrictions apply. See additional information on interest rates. Credit interest rate as of July 2, 2025.

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.

160

Markets

36

Countries

28

Currencies*

Global Markets

Available currencies vary by Interactive Brokers affiliate.

Graphic is for illustrative purposes only and should not be relied upon for investment decisions.

Local Time: Open Closed

mssage123

Explore our Global Offering

IBKR GlobalAnalyst

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.

Bond Marketplace

IBKR has no mark-ups or built-in spreads and offers low and fully transparent commissions on bonds. Access a vast universe of more than 1 million bonds and trade US Treasuries around the clock five days per week.

Mutual Fund Marketplace

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 500 fund families and filter funds by country, fund family, transaction fee or fund type.

Short Securities Availability

The Shortable Instruments (SLB) Search tool is a fully electronic, self-service utility that lets clients search for availability of shortable securities. Shortable availability and borrow fees are broadcast in real-time on Trader Workstation (TWS), IBKR Desktop, the Client Portal, FTP files and API data feeds.

Overnight Trading Hours

Trade select US stocks and ETFs around the clock, five days per week. Access US stocks and ETFs when market-moving news happens and trade during Asian market hours or whenever it is convenient for you.¹

1. Any discussion or mention of an ETF is not to be construed as a recommendation, promotion or solicitation. All investors should review and consider associated investment risks, charges and expenses of the investment company or fund prior to investing. Before acting on this material, you should consider whether it is suitable for your particular circumstances and, as necessary, seek professional advice.

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

90+ 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 in the broader financial markets. Our strong capital position, conservative balance sheet and automated risk controls are designed to protect IBKR from major market events that can threaten the stability of financial institutions.

IBKR

Nasdaq Listed

$17.5B

Equity Capital*

74.2%

Privately Held*

$12.4B

Excess Regulatory Capital*

3.34M

Client Accounts*

3.52M

Daily Avg Revenue Trades*

IBKR Protection

Interactive Brokers Group and its affiliates. For additional information view our Investors Relations - Earnings Release section.

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. See the list of SIPP Administrators.

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.
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 SmartRouting^SM, 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

SIPP Administrator

Sub Account
1. Client User
Sub Account
1. Client User

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.

For information on SIPC coverage on your account, visit www.sipc.org or call SIPC at (202) 371-8300.

Looking for a different account type? Visit our website for information about our Individual account.

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What You Need

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Disclosures

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.

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.
Low trading fees according to BrokerChooser Online Broker Survey 2025: Read the full article Online Broker Reviews, February 2025. "Interactive Brokers has low trading fees and the best margin rates in the industry. IB currently pays interest (up to 3.83% for USD) on cash balances if you have a $100k account (net asset value)."
** 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.
Subject to any applicable legal or regulatory requirements.
Restrictions apply. See additional information on interest rates. Credit interest rate as of July 2, 2025.
According to StockBrokers.com Interactive Brokers Review: Read the full article Online Broker Reviews, January 29, 2025. "Interactive Brokers continues to lead with unbeatable margin rates, a significant advantage for active and professional traders." View our margin rates for more information.
Available currencies vary by Interactive Brokers affiliate.
Any discussion or mention of an ETF is not to be construed as a recommendation, promotion or solicitation. All investors should review and consider associated investment risks, charges and expenses of the investment company or fund prior to investing. Before acting on this material, you should consider whether it is suitable for your particular circumstances and, as necessary, seek professional advice.
Interactive Brokers Group and its affiliates. For additional information view our Investors Relations - Earnings Release section.
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. See the list of SIPP Administrators.
More information regarding IB SmartRouting^SM is available on our website.