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.
Aviva is one of the UK's largest insurers and pension providers, with significant presence in both workplace and retail pensions. The consumer Aviva Pension (SIPP) charges a flat 0.35% on the whole pot up to £500,000, with no charge on the balance above that — so the Aviva Charge is capped at £1,750/year. UK shares, ETFs and investment trusts can be traded for £4.99 flat per deal, and there are no fund dealing charges. Aviva's main strength is the breadth of its product suite — pension, ISA, life insurance, and general insurance under one roof. For investors who value having everything in one place, Aviva is convenient; the £500k cap also makes it surprisingly competitive on very large pots. For smaller pots, Vanguard, ii or AJ Bell tend to come in cheaper. Aviva workplace pension charges are negotiated by the employer and typically lower.
- +No fund dealing charges
- +Annual charge capped at £1,750 (no fee above £500k)
- +Broad product suite (pension + ISA + insurance)
- +Strong workplace pension presence
- –0.35% rate is more expensive than specialist SIPP providers at sub-£500k pots
- –£4.99 per share/ETF/IT trade adds up for active traders
- –Legacy products (Friends Life, Norwich Union, adviser-platform Pension Portfolio) use entirely different fee schedules
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.