Self-Invested Personal Pension
application

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.

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:

HL SIPP declaration
Terms & Conditions (including tariff of charges), Important Investment Notes
SIPP Key Features (including the contribution checklist and if you’re transferring the transfer checklist and common transfer declaration)

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.

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.

I confirm I am applying to join the HL SIPP. I agree to be bound by the Scheme Rules, and acknowledge that these have been made available to me by Hargreaves Lansdown.

I confirm that I will be a relevant UK individual in any tax year in which personal contributions are paid.

I declare that the total contributions that I will make to the HL SIPP and any other Registered Pension Scheme where I am entitled to relief under Section 188 of the Finance Act 2004 will not exceed the higher of:

The basic amount (currently £3,600) or
100% of my Relevant UK Earnings (within the meaning of section 189 of the Finance Act 2004) for that tax year.

This declaration and the particulars given in this application are, to the best of my knowledge and belief, correct and complete.

If an event occurs which means that I will no longer be entitled to relief under to Section 188 of the Finance Act 2004, I will inform Hargreaves Lansdown Asset Management by 5th April of the tax year in which the event occurs or 30 days after the event if later.

If I make a contribution, of which part or all is not eligible for tax relief, I will notify you separately on or before the date of the contribution. I will advise Hargreaves Lansdown Asset Management Ltd, in writing, within 30 days if I cease to be a United Kingdom resident.

I have not received advice from Hargreaves Lansdown regarding the merits of entering into, or the suitability of any aspect of the HL SIPP unless that aspect has been covered under a separate agreement for individual advice from a Hargreaves Lansdown Financial Adviser. If I have any doubts I will seek personal advice, in particular regarding the merits of the various pension options I may have available to me now and in the future.

I allow Hargreaves Lansdown to process my application using the information provided. This declaration and any other declaration made by me in connection with this application shall be the basis of the contract between me and Hargreaves Lansdown Asset Management Ltd.

I confirm I have not registered with HM Revenue and Customs to protect pension funds built up from a potential Lifetime Allowance tax charge.

In addition to the declaration please read the following statement regarding Hargreaves Lansdown's communications with you.

Hargreaves Lansdown Plc and its group companies will send or email you complimentary issues of our investment publications and information about new products and services. If you would prefer not to receive these, please do let us know. Your personal data will remain confidential, and will not be passed to any other organisation unless required to do so by law.