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. Offers strong security and cost transparency. 

Insights from Broader UK SIPP Research

While most SIPPs are designed for UK residents, research from Which? and Moneyweek highlights platforms like Interactive Investor, AJ Bell, Fidelity, and Vanguard for their low fees and strong service. These same qualities are worth prioritising when assessing international SIPP options for expats.

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? We’d be happy to help. A full review of your pension pots, residency status, and investment goals will help you choose the best fit.