Of course not! The Plus plan offers access to many other features and benefits besides a SIPP.

Opening a SIPP is a separate action in-app and should only be considered if it meets your investment needs/strategy. You can read more about the benefits and limitations of pensions here.

If you decide to upgrade and you’d like to open an SIPP, just head to the “Portfolio” tab in-app > 👤 Profile icon > “Open a SIPP”!

When you invest, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Pension and tax rules apply.

SIPP is a pension product designed for people who want to make their own investment decisions. You can normally only access the money from age 55 (57 from 2028). Current rules can change. Freetrade does not currently offer drawdown products for our SIPP. Before transferring a pension you should ensure that this is the right thing for you to do and in particular you will not lose valuable guarantees or incur excessive transfer penalties. Pensions are usually transferred as cash so your savings will be out of the market for a period and therefore there is a risk you may lose out on investment gains during this period.