We don’t support this browser anymore.
This means our website may not look and work as you would expect. Read more about browsers and how to update them here.

Skip to main content
  • Register
  • Help
  • Contact us

Open a Self-Invested Personal Pension

What you need to remember

  • The HL SIPP is designed for people comfortable choosing their own investments. The value of all investments can rise and fall, so although there’s the potential for growth, you could also get back less than you invest. If you’re not sure which investments are right for you, please ask us about financial advice. There’s no personal advice on our website.
  • You usually need to be at least 55 before you can access the money in your pension (rising to 57 from 2028). Pension and tax rules can change, and benefits will depend on your circumstances.
  • To apply online you must be UK resident, if you’re not resident in the UK please contact us for more information on eligibility and alternative ways to apply.

What you need to read first

By opening an HL SIPP, you agree to our terms, so please make sure you’ve carefully read and understood the following:

Please contact us if you have any queries on any of the above documents.

Open a SIPP with a bank payment

You can set up monthly contributions from as little as £25, or get started by using your debit card to make a one-off contribution of £100 or more. All you need to hand is your national insurance number and either your bank details or debit card.

Once your account is up and running, you can change your pension contributions whenever you like.

We'll automatically enter you into our New Year's prize draw if you meet the terms of the offer.

Open a SIPP by transferring a pension

The fastest way to transfer is online. To get started, all you need to confirm is the following details about the pension you want to transfer:

  • Pension name and type (e.g. Aviva personal pension)
  • Policy number
  • Pension value (this doesn’t have to be exact)

You should be able to find these details on your annual statement or can ask your current provider when you’re checking what exit fees apply or if you’ll lose any valuable benefits. Make sure that all your personal details (including current address and name) are up to date with your existing provider before you start. If personal details don't match it will often lead to delays.

If you’re not already an HL client, that’s not a problem. It only takes 5 minutes to create an account online as part of the process.

Start my online transfer

Alternative ways to apply

Apply by phone

Call 01179 809 897

Monday - Friday: 8am - 5pm

Apply by post

Request application

Choose to download your form now, or we can send you one in the post.

To open a SIPP with an employer contribution, you’ll need to call our Pensions Helpdesk on 0117 980 9961. That way we can register your employer with us.

Before you proceed please confirm that you have read, understood and agreed to the terms and conditions and key features.

Are you an existing client who has already registered for online access?