International / Expat SIPP (iSIPP)
A UK-registered pension for individuals living outside the UK who wish to retain and manage their UK pension assets.
Overview
The Invinitive International / Expat SIPP is designed for individuals who are no longer UK resident but still hold UK pension assets and wish to keep those assets within a UK regulatory framework.
International SIPPs remain UK pensions. They are not offshore pension arrangements.
Who This Is For
The iSIPP is commonly used by individuals who:
Contributions for Non-UK Residents
Non-UK residents generally cannot make personal contributions into a UK SIPP unless they have UK relevant earnings.
We accept contributions only where the individual has:
UK PAYE employment income
UK self-employed earnings
We also allow employer and company contributions where permitted under HMRC rules.
Tax treatment depends on individual circumstances and local legislation.
What You Can Hold
The Invinitive International / Expat SIPP supports globally diversified portfolios using mainstream permitted investments.
You can invest in:
Your SIPP supports seven currencies:
GBP, USD, EUR, AED, AUD, CHF.
Multi-currency functionality allows you to hold and transact in the currency most relevant to your location and investment strategy, helping minimise unnecessary FX costs.
All investments are executed strictly at your instruction on an execution-only basis.
Transfers
We support transfers of existing UK pensions into our International / Expat SIPP, subject to scheme rules, jurisdictional considerations, and eligibility. Where the transfer is a UK provider-to-UK provider electronic cash transfer and both schemes support Origo, Invinitive's participation in the Origo Transfer Service community may help streamline the process. Cross-border complexity, provider checks, and scheme-specific rules may still mean some cases proceed more manually.
Learn more about transfersFees
All fees are transparent and published.
Important Considerations
Eligibility depends on country of residence. Additional documentation and enhanced AML checks may apply.
Local tax treatment varies by jurisdiction. Tax advice specific to your country of residence may be appropriate.
Knowledge Hub
Expat Pensions — Further Reading
Our Knowledge Hub includes a dedicated section on expat and international pension topics — covering residency considerations, currency, transfers and more. All written in plain English.
Ready to Proceed?
Important information
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority. We do not provide financial advice. Investments can fall as well as rise in value, and you may get back less than you invest. Tax treatment depends on individual circumstances, country of residence, and may change in the future.