Aviva pension fees and charges
Direct answer: Aviva charges 0.35% on investments up to £500,000 (whole pot), 0% above £500,000. On a £100,000 pot that is £350/year in annual provider/platform fee, and on a £500,000 pot it is £1,750/year. Fund charges and product-specific caveats may apply.
The consumer Aviva SIPP uses an investment charge of 0.35% on the first £500,000, giving a maximum £1,750 annual charge for a constant invested balance. Eligible investments across the relevant Aviva accounts are combined for the charge. The table assumes only the pension is held. Workplace, adviser-platform and legacy contracts need their own schedules.
- +No fund dealing charge
- +Investment charge capped at £1,750/year
- –Fund costs are additional
- –UK share, ETF and investment-trust trades cost £4.99
What are Aviva pension charges in 2026?
Aviva's representative published charging model is: 0.35% on investments up to £500,000 (whole pot), 0% above £500,000. The figures on this page show provider/platform/admin charges by pot size. Fund charges, adviser charges, workplace terms and product-specific charges may differ, so check the provider fee schedule before acting.
- •Fees shown are representative provider, platform or admin charges. Some rows are platform/admin fees only; Royal London's Governed Range AMC includes Royal London fund management.
- •Fee structures change without notice. Always verify the current fee on the provider's website before making any decision.
- •The lowest headline fee is only one comparison point. Fund range, service, platform features, investment choice, adviser access, and product restrictions also matter.
- •Transferring a pension may involve exit fees, loss of guaranteed benefits, or loss of employer contributions. Check before you transfer.
- •This page is factual information based on published fee schedules, not a recommendation to use or avoid any provider.
- •For personal recommendations, speak to an FCA-regulated financial adviser and check the FCA register.