Provider fees

Hargreaves Lansdown pension fees and charges

Product record reviewed: 2026-04-29 · Fee schedule checked: 2026-09-11 · Source: provider fee page

Direct answer: Hargreaves Lansdown charges 0.35% on first £250k, 0.25% on £250k–£1M, 0.1% on £1M–£2M, 0% above £2M. On a £100,000 pot that is £350/year in annual provider/platform fee, and on a £500,000 pot it is £1,500/year. Fund charges and product-specific caveats may apply.

Fee model

0.35% on first £250k, 0.25% on £250k–£1M, 0.1% on £1M–£2M, 0% above £2M

Tiered percentage · SIPP available · Workplace available

Annual representative charge by pot size

Annual figures displayed to the nearest pound. Representative provider/platform charge. Fund charges and adviser charges may be additional unless the provider note says they are included: Varies by investment; check the selected fund’s current charges

Note: Fund account charges are shown. Shares and other equities use 0.35%, capped at £12.50/month. One-off online fund trades cost £1.95. Online share trades cost £6.95, or £3.95 after 20 or more trades in the previous month. Monthly regular investing by Direct Debit has no dealing charge. Phone/post trades cost £29. Other investment and overseas dealing costs can apply.

The table uses HL’s fund account charge. Shares and other exchange-traded holdings use a separate capped charge, so a mixed portfolio needs both calculations. Fund management, dealing and any foreign-exchange costs are separate. Charges depend on the holdings and transactions in the SIPP; tiering is assessed separately for each HL account.

Strengths

+Published fund tiers and separate share cap
+No exit charge listed

Limitations

–Fund management costs are additional
–One-off fund and share trades have dealing charges

Details

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

Minimum investment£1

Typical fund OCFVaries by investment; check the selected fund’s current charges

SIPP/direct pensionSIPP available

Compare HL pension fees with

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

HL pension fees FAQ

What are Hargreaves Lansdown pension charges in 2026?

Hargreaves Lansdown's representative published charging model is: 0.35% on first £250k, 0.25% on £250k–£1M, 0.1% on £1M–£2M, 0% above £2M. 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

HLVanguard ii AJ Bell PensionBee Fidelity Aviva 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.