Managing your UK pension while living abroad can be challenging. International SIPPs offer a flexible and regulated way to keep control of your retirement savings. Knowing which providers offer genuine value, broad investment access, and expat-focused servicing can make a big difference to your long‑term planning.
Why International SIPPs Matter for Expats
International SIPPs are UK‑regulated pensions tailored for non‑UK residents. They enable you to consolidate multiple UK pension pots and invest globally while residing overseas. This structure retains UK tax benefits and FCA oversight but is designed for expat needs, including multi‑currency access and remote drawdown flexibility.
How to Evaluate Providers
Fee Structure
Transparent fees are essential. Platforms may charge flat monthly fees, tiered percentages, or asset-based charges. Even small differences in fees can significantly impact your savings over time.
Investment Range
Look for providers offering wide access to ETFs, funds, equities, and trusts. A broad investment menu lets you tailor your portfolio to your retirement goals as your residency evolves.
Expat Support
Choose providers experienced with cross‑border compliance, transparent global access, and adviser support knowledgeable about residency‑based taxation.
Providers Worth Considering in 2025
Novia Global
The leading choice for expats. It offers no initial setup fee, competitive annual administration charges, and access to global investments.
Invinitive
Emerging strongly in 2025 due to modern platform design and a transparent fee structure. Appeals to expats seeking a streamlined, digital experience.
IFGL (formerly Sovereign)
Favoured by clients with complex cross‑border needs, including estate planning and tax structuring. Often paired with broader advisory services.
Morningstar International SIPP
Known for its trust‑based structure and tiered fees (e.g. 0.35% on first £250,000). Offers strong security and cost transparency.
Insights from Broader UK SIPP Research
While many SIPPs serve UK residents, Which? and Moneyweek identify top UK platforms like Interactive Investor, AJ Bell, Fidelity and Vanguard for fee efficiency and customer service. These same factors apply in evaluating expat products.
Final Thoughts for Expat Investors
Selecting the right International SIPP provider involves more than chasing low fees. Prioritise platforms that support your residency needs, simplify investment choices, and give clear access to global assets. Providers like Novia Global, Invinitive, IFGL and Morningstar stand out in 2025 for combining cost efficiency with expat-aware administration.
Need support comparing providers, projecting costs, or choosing between options? I’d be happy to help. A full review of your pension pots, residency status, and investment goals will ensure you choose the best fit.
