Provider fees

Standard Life pension fees and charges

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

Direct answer: Standard Life charges Ready-made example: 0.45% service charge plus 0.10% total fund charge = 0.55% a year. This uses the most expensive fund within that option; some funds cost less.. On a £100,000 pot that is £550/year in annual provider/platform fee, and on a £500,000 pot it is £2,750/year. Fund charges and product-specific caveats may apply.

Fee model

Ready-made example: 0.45% service charge plus 0.10% total fund charge = 0.55% a year. This uses the most expensive fund within that option; some funds cost less.

Service and fund charge (ready-made example) · 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: Ready-made example includes the 0.10% total fund charge; do not add it again

Note: The 0.55% example includes fund management. Other options may cost differently. The consumer product lists no exit, investment-switching, withdrawal or transfer-in charge. An old provider may charge for transferring out. These figures do not describe workplace pensions or Active Money SIPP.

The table represents Standard Life’s consumer Personal Pension ready-made option. Its published 0.55% example already includes both the service charge and the fund charge. The source dates these figures to 13 August 2026 and says some funds within the option may cost less. Other investment options, workplace pensions and the Active Money SIPP require their own charge schedules.

Strengths

+Service and fund charges disclosed separately
+No charge to switch investments or transfer in

Limitations

–Costs vary by investment option
–Workplace and Active Money SIPP terms are separate

Details

Fund rangeOver 50 investment options in the Personal Pension; the table uses the ready-made example

Minimum investmentCheck current product T&Cs

Typical fund OCFReady-made example includes the 0.10% total fund charge; do not add it again

SIPP/direct pensionSIPP available

Std Life pension fees FAQ

What are Standard Life pension charges in 2026?

Standard Life's representative published charging model is: Ready-made example: 0.45% service charge plus 0.10% total fund charge = 0.55% a year. This uses the most expensive fund within that option; some funds cost less.. 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 PensionBee Fidelity Aviva NEST InvestEngine Nutmeg Royal London Sc. WidowsStd LifeL&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.