10 Best Junior SIPP Providers 2026

Best Junior SIPP Providers to help parents and guardians concerned about their children’s future financial prosperity.

I will explain the pros and cons of each provider and ease the decision-making process concerning starting a tax-efficient pension for your children. And with reasonable fees and flexible investments, we’ll find the right provider for you.

Key Points & Best Junior SIPP Providers

Provider	Key Points
AJ Bell	Low annual charge (0.25%), wide investment choice (shares, funds, ETFs, bonds), strong reputation
Hargreaves Lansdown	Large fund range, award‑winning platform, easy online management, strong customer support
Vanguard	Low‑cost index funds, simple platform, focus on passive investing, transparent fees
Fidelity	Broad investment options, strong research tools, trusted global brand, flexible contributions
Interactive Investor	Flat monthly fee, access to global markets, good for larger portfolios, strong digital tools
Bestinvest	Free coaching sessions, wide fund choice, strong educational resources, FCA regulated
Charles Stanley Direct	Low dealing fees, strong customer service, access to funds and shares, FSCS protection
Nutmeg	Robo‑advised portfolios, simple setup, low minimum investment, automated rebalancing
Moneyfarm	Digital wealth manager, diversified portfolios, easy mobile app, FCA regulated
iWeb (Halifax)	Very low dealing costs, simple platform, good for cost‑conscious investors, FSCS protected

10 Best Junior SIPP Providers

1. AJ Bell

AJ Bell are among the cheapest providers, charging a platform fee of 0.25% on the first £250,000, then £0.10% on the next £250,000, then fee-free if you have over £500K in the account.

Their dealing fees are £5 (or £3.5 if you do 10+ trades in a month) for shares/ETFs, and £1.50 for funds.

They are also fee-free for holding cash, which is a plus if you are saving to build the pot. The platform is very well done and is linked to your account for extra ease of use.

Feature	Details
Platform fee / Account charge	0.25% per year on investments up to £250,000; 0.10% on £250-500K; no charge above £500K.
Dealing / Transaction costs	Funds: £1.50 per deal. Shares, ETFs, trusts: £5 per deal (drops to £3.50 if you made 10+ deals in previous month).
Foreign currency / FX charge	Tiered: 0.75% on first £10K, then 0.50%, then 0.25%.
Other fees	No setup charge; no transfer-in charge; CHAPS payment £25; disinvestment charge £5 per holding if needed.
Strengths	Very low platform fee, especially for a Junior SIPP; wide range of investment options; good mobile / web interface.
Caveats	Higher dealing cost for smaller, frequent investments; need enough cash to cover monthly charges if not fully invested.

2. Hargreaves Lansdown

HL is a very well known name and a great provider, with a vast array of options available for you to invest in, which include: thousands of funds, shares (UK and international), ETFs, bonds, etc.

However, you do pay for it: 0.45% service fee per annum, with a yearly max of £200. Their fund trades may be free, but overall, share dealing is higher

The platform is excellent, and the app is incredibly user-friendly for child investors in the long run.

Feature	Details
Platform fee / Account charge	Up to 0.45% per year.Funds: 0.45% on first £250K; 0.25% for £250K–£1M; 0.10% for £1M–£2M; zero above £2M.
Dealing / Transaction costs	Fund dealing is free. Share dealing (online / app): £5.95 per deal.
Foreign / Tax Charges	Stamp duty, PTM, foreign-exchange charges apply per trade.
Other features	No inactivity fee; no account‑closure charge; automatic sale to cover charges if needed.
Strengths	Very broad range of investments; trusted, well-established platform; good tools, research, and mobile/web experience.
Caveats	Higher platform charge compared to some alternatives; dealing costs may add up; foreign currency trades can be expensive.

3. Vanguard

Vanguard is usually associated with very cheap investing, yet with respect to Junior SIPPs, one notable concern is their minimum monthly fee for small accounts.

This implies that with the lower balance, fees are likley to eat into returns more than with percentage-based platforms.

The positive side, however, is that Vanguard has offers low-cost index funds, in addition to having a simple interface.

This option would be ideal if your withdrawals are consistent and substantial. The fixed minimum fees

However, are a concern and would probably be a deciding factor if you are looking to invest small sums for a child.

Feature	Details
Platform fee / Account charge	Vanguard’s platform is known for very low-cost index investing. However, some accounts have a minimum monthly fee
Investment options	Primarily Vanguard funds and ETFs. Very good choice for passive, low-cost investing.
Strengths	Very cost-efficient for long-term, set-and-forget investing; strong reputation; simple, clean interface.
Caveats	If the balance is small, the minimum monthly fee can erode gains; limited to Vanguard’s own products (less flexibility vs full-service broker).

4. Fidelity

One of the biggest positives with having a Junior SIPP with Fidility is that there is no yearly platform fee on junior accounts, thus making it very appealing for those saving with a tight budget long term.

They also offer a very large fund selection with over thousands of different funds to choose from and very low fees for most of their funds.

If you want to make a long term investment, you are able to do so with their more flexible saving plans and lower trade costs of around £1.50 for normal investment plans.

One of the bigger cons to using this service is if you plan on hand-picking shares to trade. The fees are much more on the higher end.

Feature	Details
Service / Platform Fee	No service fee on Junior SIPP accounts.
Fund Charges	Ongoing fund charges set by the fund managers (start from ~0.05%).
Dealing / Transaction Costs	For regular savings / reinvestment: £1.50 per deal; online ad-hoc trades: £7.50; phone trades: £30.
Other Fees	Stamp duty / transaction taxes may apply when buying shares.
Strengths	Very low running cost for junior accounts; flexible regular savings plan from just £20/month; easy to start early
Caveats	Transaction cost for ad-hoc trades is relatively high; must keep enough cash to pay trade or dealing fees.

5. Interactive Investor

Interactive Investor is regarded as one of the top Junior SIPP providers due to their flat-fee structure which is beneficial to families as their portfolios grow over time.

Unlike most providers who charge a percentage, Interactive Investor is able to offer a fixed monthly fee which makes it easier to predict cost over the long term, allowing parents to grow their investments without the risk of eroding compounding.

Interactive Investor offers a wide range of investments including shares, funds, ETFs, and bonds giving parents the option to diversify.

Having FCA regulation along with their certified FSCS member status, Interactive Investor posses strong reputation which offers peace of mind to parents saving for their childrens’ retirement.

Feature	Details
Fee Model	Flat monthly subscription fee (predictable costs, good for larger portfolios)
Investment Choice	Wide range: UK/international shares, funds, ETFs, bonds, investment trusts
Regulation	FCA regulated, FSCS protection
Extras	Cashback offers, free trades for new accounts, strong educational resources

6. Bestinvest

Bestinvest has junior SIPP with Bestinvest being the best for customer service and low fees with very accessible customer service, with limited to best customer service.

Bestinvest’s low fees include 0.20% with US shares and Investments with fees of 0.40% for other services. There is also a low trade fee at £4.95. However there are US trade FX fees at approximately 0.95%.

Bestinvest has good to very good customer service and very easy set up with a junior SIPP account. There are no fund fees. With Bestinvest, you can open the junior SIPP account with a paper form.

Feature	Details
Fee Model	Competitive platform charges, no hidden fees
Investment Choice	Large fund range, shares, ETFs, investment trusts
Support	Free coaching sessions with investment experts
Extras	Strong educational tools, FCA regulated

7. Charles Stanley Direct

Charles Stanley Direct is also a very reputable broker who is considered to be more on the low tech or older side of prospecting.

In relation to ISAs and SIPP, the junior SIPP is offered but there has not been as much information published as to other junior SIPPs.

The adult SIPP alternative also has platform fees, and has undergone a review of the fees for the SIPP, but with no other reviews

Then there doesn’t seem to be a low cost option for a junior SIPP. It is best to reach out directly on the T&Cs of the junior SIPP to get the most information.

Feature	Details
Fee Model	Low dealing fees, transparent charges
Investment Choice	Access to funds, shares, ETFs, bonds
Support	Strong customer service reputation
Regulation	FCA regulated, FSCS protection

8. Nutmeg

Nutmeg is primarily a robo-advisor with the managed portfolios easy to use.As per the newest available details, Nutmeg doesn’t currently have a Junior SIPP.

They have a primary business focus in automating the investing and portfolio management of ISAs, GIAs, and adult SIPPs / pensions.

This means Nutmeg isn’t a viable option if a child’s pension via Junior SIPPs is your primary goal, unless they alter their offerings in the future.

Feature	Details
Fee Model	Percentage-based management fee (low-cost robo-advice)
Investment Choice	Managed portfolios, diversified ETFs
Support	Automated rebalancing, simple digital platform
Extras	Low minimum investment, FCA regulated

9. Moneyfarm

Moneyfarm is another digital wealth manager robo-advisor, and while they also offer SIPP options for adults

There is no clear publicly advertised Junior SIPP listing in recent comparisons or on their UK site (as opposed to older, more traditional brokers).

They excel in automation and the deployment of custom risk-configured portfolios with superior UX, but it doesn’t appear to be a mainstream option for a bona fide Junior SIPP.

Thus, if your goal is a child’s pension via SIPP, it appears Moneyfarm may not be the best available option right now.

Feature	Details
Fee Model	Tiered management fees (cost-effective for mid-size portfolios)
Investment Choice	Ready-made diversified portfolios
Support	Easy-to-use mobile app, digital wealth manager
Regulation	FCA regulated, FSCS protection

10. iWeb (Halifax)

This is one of the very low-cost platforms in terms of dealing fees with around 5 pounds per trade for shares and funds.

For adult SIPPs, their platform is still very reasonable. But for Junior SIPPs, the situation is less clear, as several comparison websites or user forums do not list

So, like with Interactive Investor, it is probably not an available / supported Junior SIPP provider at this time.

Feature	Details
Fee Model	Very low dealing costs, one-off account opening fee
Investment Choice	Shares, funds, ETFs, bonds
Support	Simple, no-frills platform
Regulation	FCA regulated, FSCS protection

Conclsuion

In cocnlusion when it comes to junior SIPP selection, AJ Bell, Fidelity, as well as Bestinvest offer low costs, lots of investment flexibilities, and strong investment platforms. 

Hargreaves Lansdown has a broader selection, but at a premium cost, while Vanguard serves passively managed index investing. 

Nutmeg, Moneyfarm, and Interactive Investor are offer lesser, with regards to junior SIPP not available for under age 18.

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