Provider fees

Fidelity Personal Investing pension fees and charges

Last verified: Q2 2026 · Source: provider fee page

Direct answer: Fidelity Personal Investing charges 0.35% on pots up to £250k, 0.2% on £250k–£1M (whole pot), capped at £2,000/yr above £1M (0% on the excess). On a £100,000 pot that is £350/year in annual provider/platform fee, and on a £500,000 pot it is £1,000/year. Fund charges and product-specific caveats may apply.

Fee model

0.35% on pots up to £250k, 0.2% on £250k–£1M (whole pot), capped at £2,000/yr above £1M (0% on the excess)

Tiered percentage (whole-pot) · SIPP available · Workplace available

Annual representative charge by pot size

Representative provider/platform charge. Fund charges and adviser charges may be additional unless the provider note says they are included: 0.06%–1.5% depending on fund choice

Note: Fees shown apply to funds. Pots under £25k pay £7.50/month (£90/yr) unless contributing via a regular savings plan, in which case the 0.35% rate applies. The 0.2% rate above £250k applies to the whole pot, not just the excess. Share/ETF/investment trust dealing: £7.50 online, £1.50 regular savings/dividend reinvestment, £30 phone. The Service Fee is capped at £2,000/yr — pots above £1M pay 0% on the excess.

Fidelity is a global investment giant with a strong UK platform. The 0.35% SIPP fee is mid-range — cheaper than HL but more expensive than AJ Bell or Vanguard. Fidelity's strength is its proprietary research and fund range, including its own actively managed funds which have strong track records. No dealing charges on funds (only shares). The platform has a clean interface and good tools. Fidelity is a solid choice for investors who want a broad platform with strong research at a moderate cost — though for pure cost minimisation, Vanguard or ii are cheaper.

Strengths

+No fund dealing charges
+Strong proprietary research
+Wide fund range (3,000+)
+Good mobile app

Limitations

–More expensive than Vanguard, ii, or AJ Bell
–Share dealing charges apply
–Not the cheapest for any pot size

Details

Fund range3,000+ funds, ETFs, investment trusts, shares

Minimum investment£1,000 lump sum or £25/month

Typical fund OCF0.06%–1.5% depending on fund choice

SIPP/direct pensionSIPP available

Compare Fidelity pension fees with

Fidelity vs HL Fidelity vs Vanguard Fidelity vs ii Fidelity vs AJ Bell Fidelity vs PensionBee Fidelity vs InvestEngine

Fidelity pension fees FAQ

What are Fidelity Personal Investing pension charges in 2026?

Fidelity Personal Investing's representative published charging model is: 0.35% on pots up to £250k, 0.2% on £250k–£1M (whole pot), capped at £2,000/yr above £1M (0% on the excess). 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.

All providers

HL Vanguard ii AJ Bell PensionBeeFidelityAviva NEST InvestEngine Nutmeg Royal London Sc. Widows Std Life L&G Aegon

Things to consider

•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.

This provider comparison is general information based on published charge schedules, not financial advice or a personal recommendation. Verify current fees and product terms with the provider and check FCA authorisation before acting.