Pension Bible
Open Dataset

UK Pension Provider Fees

Selected charges for 15 providers, with published sources and check dates. Free to use, share, and build on.

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Last fetched: 2026-09-11· Licence: CC-BY 4.0

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Accuracy notice: Pension fee structures are complex. Providers use different charging models (tiered, capped, all-in AMC, contribution charges) that make like-for-like comparison inherently imperfect. We source fees from each provider's published schedule and calculate at standard pot sizes, but your actual costs may differ due to fund choice, wrapper type, legacy products, employer-negotiated rates, or fee changes after our last review. This dataset was last fetched on 2026-09-11.Representative annual charges and fee caveats; product features retain separate review dates. Not an individual quote or an exhaustive schedule of every possible charge. Always verify with your provider before making any decision.

15

Providers compared

6

Illustrative pot sizes

4

Rows including fund management

01

Fee comparison table

Representative annual charges in pounds at six pot sizes. Cost bases and exclusions differ; sorting amounts does not identify the lowest total cost.

Provider ↑Fee model£25k£50k£100k£250k£500k£1MProduct record
AegonTiered percentage, capped above £250kExcludes fund charges£150£290£540£1,215£1,215£1,2152026-04-29
AJ Bell YouinvestTiered percentageExcludes fund charges£63£125£250£625£875£8752026-04-29
AvivaTiered percentage (whole-pot, capped)Excludes fund charges£88£175£350£875£1,750£1,7502026-04-29
Fidelity Personal InvestingTiered percentage (whole-pot)Excludes fund charges£88£175£350£500£1,000£2,0002026-04-29
Hargreaves LansdownTiered percentageExcludes fund charges£88£175£350£875£1,500£2,7502026-04-29
Interactive InvestorFlat monthly fee (pension admin included)Excludes fund charges£72£72£72£180£180£1802026-07-17
InvestEngineZero platform fee (DIY) / 0.25% (Managed)Excludes fund charges£0£0£0£0£0£02026-04-29
Legal & GeneralFlat percentageExcludes fund charges£63£125£250£625£1,250£2,5002026-05-12
NESTAMC + contribution chargeIncludes fund management; other costs may apply£75£150£300£750£1,500£3,0002026-04-29
Nutmeg (JP Morgan)Percentage (varies by portfolio type)Excludes fund charges£188£375£750£1,275£2,150£3,9002026-04-29
PensionBeePercentage (varies by plan)Includes fund management; other costs may apply£125£250£500£875£1,500£2,7502026-04-29
Royal LondonDiscounted whole-balance management chargeIncludes fund management; other costs may apply£188£250£450£1,125£2,000£3,5002026-04-29
Scottish WidowsPercentage, cappedExcludes fund charges£63£125£198£198£198£1982026-04-29
Standard LifeService and fund charge (ready-made example)Includes fund management; other costs may apply£138£275£550£1,375£2,750£5,5002026-04-29
Vanguard InvestorPercentage, cappedExcludes fund charges£48£75£150£375£375£3752026-04-29

Platform fees only. Fund-level charges (OCFs) are additional. See each provider's page for full fee breakdown.

02

How fees scale with pot size

The same data as a chart. Flat-fee and capped providers flatten out; percentage-fee providers keep climbing. The gap widens dramatically above £100,000.

Selected annual charges at six example balances. Some include fund management and others exclude it. Lines connect examples only; they do not calculate charges between thresholds. See the table for each cost basis.

03

Understanding fee models

Not all fee structures work the same way. The cheapest provider at £25,000 is not necessarily the cheapest at £500,000.

Tiered percentage

A percentage of your pot, with the rate dropping at higher balances. Common structure: 0.25%–0.45% on the first tranche, reducing above £250,000. Cost scales with pot size but the effective rate falls as your pot grows.

Used by: HL, AJ Bell, Fidelity, Aviva, Aegon, Standard Life, Royal London

Flat monthly fee

A fixed monthly charge regardless of pot size. Best value for larger pots where the effective percentage rate approaches zero. Less competitive for small pots where the flat fee represents a higher percentage.

Used by: Interactive Investor

Percentage, capped

A percentage fee with a maximum annual cap. Below the cap threshold you pay the percentage; above it you pay the fixed cap amount. Combines the advantages of both models.

Used by: Vanguard (£375 cap), Scottish Widows (£198 cap)

AMC + contribution charge

An annual management charge on the pot plus a separate charge deducted from each contribution before it enters the pot. The contribution charge is invisible unless you look for it and compounds over decades.

Used by: NEST (0.3% AMC + 1.8% on contributions)

04

Methodology

How fees are sourced

Each provider's fees are taken from their published fee schedule or charges guide. We link to the exact source page for every provider. No data is scraped from third parties or estimated.

What's included

The table labels whether each representative charge includes fund management or excludes fund charges. The included management cost is not added again. Product-specific caveats explain other charges.

What's excluded

  • Fund charges where excluded by the row’s cost basis
  • Investment transaction costs and dealing charges
  • Contribution charges, including NEST’s 1.8% charge on new payments
  • Exit fees, transfer fees, or drawdown charges
  • Adviser fees (for adviser-intermediated platforms)

Standard pot sizes

Fees are calculated at six standard pot sizes (£25,000, £50,000, £100,000, £250,000, £500,000, £1,000,000) for consistent comparison. Tiered fees are calculated using each provider's published tier structure.

Update cadence

Each provider entry shows a Last verified date. If you spot an error, email hello@pensionbible.co.uk.

Provider fee sources

05

Licence and citation

This dataset is published under the Creative Commons Attribution 4.0 International (CC-BY 4.0) licence. You are free to use, share, adapt, and build on this data for any purpose – including commercial use – as long as you provide attribution.

Suggested citation

Pension Bible, “UK Pension Provider Fees Dataset”, pensionbible.co.uk/data/uk-pension-fees, accessed [date].

Download formats

  • JSON – structured data with full provider metadata
  • CSV – flat table for spreadsheets and data analysis
Things to consider
  • •Rows have different cost bases. Some include fund management; others exclude fund charges. Adviser, contribution and transaction costs can also apply.
  • •Fees come from published provider schedules, with check dates shown for each record. Your policy or investments may have different charges.
  • •Workplace pension charges are scheme-specific and can differ from the retail products shown here.
  • •This dataset is not financial advice. It is a factual record of published fee schedules for comparison purposes.
  • •Some providers use all-in AMCs that include fund charges (noted in caveats). Direct comparison with platform-only fees requires adjustment.

Want to see what fees cost you over time?

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This page presents factual fee data and is not financial advice. The cheapest platform is not necessarily the best choice – fund range, service quality, and your personal circumstances all matter.

For personalised guidance, speak to an FCA-regulated financial adviser via Unbiased or VouchedFor.