CFDs and Spread Bets are complex instruments and come with a high risk of losing money rapidly due to leverage. On average, 74–89% of retail investors lose money when trading CFDs and Spread Bets. You should consider whether you can afford to take the high risk of losing your money. Please consider our Risk Disclosure.

Give your future self something to look forward to.

A modern Self Invested Personal Pension (SIPP) that makes investing simple. Enjoy powerful investment tools, detailed contribution tracking and tax efficient investing all available at zero cost.

Open SIPP See how it works

What is a SIPP?

EC Markets commission-free SIPP gives you complete control over your retirement, allowing you to decide exactly how your pension is invested. Unlike other providers, you can see every contribution, monitor your portfolio in real time, switch between investments or cash instantly, and make changes whenever you want—all without paying unnecessary dealing commissions. It’s a smarter, more transparent way to take control of your financial future.

01

Grow your pension annually with an income tax refund

02

Contribute up to £60,000 per year to your account

03

Sell shares without paying any capital gains tax

04

Take 25% off taxes owed on income in retirement

05

Collect tax-free dividends

06

Start withdrawals at age 55 (57 from 2028)

Learn more about SIPPs

Benefits

  • Invest with 0% monthly account fee, trading fee and commission.*
  • Earn 2.55% AER on eligible uninvested cash while you decide your next move.
  • Choose from thousands of shares, ETFs and ready-made portfolios (coming soon), including ethical investment options.
  • Make more informed decisions with EC Intelligence, bringing market news, analysis and insights together.

*Capital at risk. Pension and tax rules may change and depend on your individual circumstances. Other costs may apply.

Open SIPP Transfer SIPP

Everything you need to build your retirement

Whether you’re starting your pension journey or bringing existing pensions together, your SIPP gives you the flexibility and tools to invest your way.

  • Start investing from as little as £1 with regular automated contributions.
  • Access thousands of UK, EU and US-listed investment opportunities.
  • Learn as you invest with educational content designed to build your confidence.
  • Diversify your portfolio across shares, ETFs and more.
  • Track your investments with interactive charts and portfolio insights.
Explore app features

Simple pricing, no surprises

We believe transparency builds trust. Here’s exactly what you’ll pay.

Platform fee

£0

Opening, holding, and managing your SIPP.

Annual fund charge

0%

Ongoing charge for ETFs, set by the fund manager and deducted from fund assets.

Trading commission

£0

Buying and selling stocks, ETFs, and bonds.

Withdrawal fee

£0

Moving cash from your SIPP to your bank account.

Other costs may apply.

View the full pricing schedule

Regulated, protected, secure.

Your security and protection come first — always.

FCA authorised

EC Markets is authorised and regulated by the Financial Conduct Authority.

FSCS protected

Your eligible cash deposits are protected up to £120,000, and your eligible investments up to £85,000, under the Financial Services Compensation Scheme.

Segregated assets

Your investments are held separately from EC Markets’ own assets at all times.

Biometric security

Industry-standard encryption and biometric login protect your account on every device.

FAQs

Everything you
need to know

Can’t find what you’re looking for? Our support team is on hand to help.

Visit Help Centre
By law, you can begin to withdraw from your SIPP at age 55 – but the regulated retirement age will rise to 57 in 2028. When you first draw down, you face several options for withdrawing SIPPs that will affect how much you pay in taxes each year. You have the option to withdraw a single tax-free lump sum of up to 25% of the total account value at once called a Lump Sum Allowance (LSA), which must be no more than £268,275, withdrawing the rest as taxable income on any schedule. Alternatively, you can opt to take 25% of each withdrawal tax-free. Finally, you can choose to leave your entire SIPP untouched to continue to grow your savings pot. Whatever remains in a SIPP on your death can be willed as an inheritance.
We do not currently accept employer contributions into our SIPP. We plan to offer employer contributions in the future.
There is a limit on the amount you can withdraw tax-free from your SIPP in your lifetime. You can withdraw any amount up to the Lump Sum Allowance (LSA) of £268,275 tax-free during your lifetime, provided that amount is no more than 25% of your total SIPP. This amount is often taken at the start of retirement as a single tax-free lump sum followed by taxed withdrawals.
Just as we don’t charge to open a SIPP, there is no cost to transfer cash or investments into or out of one. You should verify that your current broker will not charge exit fees. For example, exit fees sometimes apply to fixed-rate cash SIPP held with another broker.
If you die, the value of your SIPP can be used to provide benefits to your spouse or civil partner, dependants, family members or other beneficiaries you have nominated.

The Trustees will decide who receives the benefits at their discretion, but will take into account any wishes you have expressed through a death benefit nomination.

Your beneficiaries may be able to receive their benefits as a lump sum or use them to provide a dependant’s annuity or flexi-access pension with a provider of their choice.

The tax treatment of benefits will depend on your age at death and the individual circumstances of your beneficiaries.

If you would like to add or update a beneficiary nomination, please contact our Client Support team at clientsupport@ecmarkets.co.uk.
You can start contributing to your SIPP from £1. The standard Annual Allowance for the 2026/27 tax year is £60,000. You may also be able to carry forward unused Annual Allowance from the previous three tax years, subject to eligibility and HMRC rules.
You can use the app to choose from thousands of investment instruments to potentially grow your SIPP. We offer shares, bonds and ETFs. Of course, your final portfolio value will depend on your choices, market risks and market performance.
You can open a SIPP if you’re over the age of 18 and UK resident for tax purposes. You should also be informed on our charges, confident in choosing your own investments, comfortable making long-term investment decisions and free from debt apart from lower-interest debt like student debt and mortgages.
While it’s possible to move shares between two SIPPs, it’s not possible to directly transfer shares and investments held in an ISA or an Invest Account into a SIPP. If you want to sell them from these accounts, you can sell them to your dealing account then buy them back within a SIPP, a strategy known as a Bed and SIPP. This could incur dealing costs and capital gains tax, but longer-term you might be able to save on capital gains tax, depending on your choices, market risks and market performance.
There is no limit on how many pensions, or even how many SIPPs you can have. You can use any combination of workplace or personal pensions, including SIPPs. For some, liquidating and bringing several different pensions into one SIPP can bring peace of mind. It’s straightforward to transfer other pensions into our SIPP. Simply send us an email asking us to do it, either when you set up your account or at any later point.
Contact your new pension provider and ask them to initiate a transfer request using the following details:

Provider: EC Markets
Account number: Your EC Markets account number, which can be found in the app
Transfer contact: transfers@wealthkernel.com

EC Markets’ SIPPs are administered by WealthKernel, which handles transfer requests on our behalf.

If you have any questions, please contact our Customer Support team at clientsupport@ecmarkets.co.uk.