FCA Authorised & Regulated · FRN 964301
A UK-regulated investment platform
for pensions, ISAs and
long-term investing
Manage your UK pension, ISA and investment accounts through a clear, low-cost platform — built for UK residents, expats and non-UK residents.
All accounts are held within a UK-regulated structure, with clear fees and full client ownership of assets.
Why clients trust Invinitive
Pensions are too important for vague promises. Everything we do is built around clarity, transparency and proper UK regulation.
UK regulated
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority (FRN 964301).
UK-regulated investment structures
Our SIPP, ISA and Investment Accounts are all operated within a UK-regulated framework — not offshore products or unregulated arrangements.
Clear fees
Our platform fees are transparent, percentage-based and capped, so you know exactly what you are paying.
Built for international clients
We support UK residents, expats and non-UK residents managing UK pension assets from anywhere in the world.
Execution-only
We do not provide financial advice. You or your adviser remain in control of all investment decisions.
Human support
Our team helps with applications, transfers, drawdown and ongoing administration — real people, not bots.
One platform. Three ways to invest.
Manage your pension, ISA and investments in one place — with the same clear pricing, investment access and support across all accounts.
SIPP
A flexible UK personal pension for long-term retirement planning. Open to UK residents, expats and non-UK residents with UK pension assets.
Learn about our SIPPStocks & Shares ISA
A tax-efficient wrapper for UK residents. No UK income or capital gains tax on returns within the ISA.
Learn about our ISAInvestment Account
An unwrapped general investment account for those investing outside pension and ISA structures.
Learn about Investment AccountsFlexible investment access across all accounts
Across your SIPP, ISA and Investment Account, you can access a wide range of investments through a single platform. All accounts operate on the same infrastructure, giving you consistency and control across your long-term investments.
Explore investment accessA better alternative to complex pension arrangements
Many people come to us after experiencing unnecessary complexity in the pension market — high-cost offshore structures, unclear charging layers, slow administration, limited investment access or difficulty managing pensions from overseas.
Invinitive was built to offer a simpler, clearer and more transparent approach.
A clearer approach to long-term investing
| Traditional approach (internationally) | Invinitive approach |
|---|---|
| Offshore wrappers or complex structures | UK-regulated SIPP, ISA and Investment Account |
| Different providers for pension, ISA and investments | One platform across all accounts |
| Inconsistent fees across products | One clear fee structure for all accounts |
| Layered or unclear fees | Clear, capped platform fee |
| Adviser-dependent models | Adviser or execution-only options |
| Limited investment flexibility | Broad market access across all accounts |
| Slower administration | Responsive support and clear processes |
Where your money and investments are held
Your money and investments are not held by Invinitive directly.
They are held through regulated custodians and nominee structures, separate from Invinitive's own funds, in line with UK regulatory requirements.
Invinitive operates and administers the platform — your assets remain held for your benefit at all times.
Learn how client money and custody worksClear, transparent pricing
We believe pension fees should be easy to understand.
Platform fee
0.25% per year
Capped at £400 — all accounts
Trade fee
£7.95* per trade
Flat rate across SIPP, ISA & GIA
* International markets (excl. US): additional 5bps surcharge applies
Foreign exchange
Spot rate
+0.0025 spread
The same fee structure applies across all three accounts. SIPP wrapper fee of £150 p.a. applies to accounts over £50,000.
There is no need to learn different pricing models for different products — the same structure applies wherever you invest with us.
Support through the transfer process
Transferring a pension can feel complex, especially if you are living overseas. Our team helps with the practical steps — we do not provide financial advice, but we help you understand how the process works.
Check your transfer optionsIs Invinitive right for you?
Typically suitable for
- UK residents and expats with UK pension assets
- Clients building long-term investments through ISA or general investment accounts
- Clients who want control over their investments
- Adviser-led or self-directed investors
- Clients comfortable making or directing investment decisions
May not be suitable for
- ✕Clients who require financial advice or recommendations
- ✕Clients unsure about investment decisions
- ✕Clients looking for guaranteed returns or capital protection
Built around clarity and control
Invinitive was created by people who have worked in the international pension market and seen the common issues first-hand — high costs, slow processes and unnecessary complexity.
Our aim is simple: to make UK pension and investment administration clearer, faster and more transparent for both UK and international clients.
Learn more about usHow Invinitive operates
Invinitive is an execution-only platform. We do not provide financial advice or recommend investments. Instead, we provide the infrastructure, administration and support to allow clients and advisers to manage investments clearly and efficiently.
No hidden advice charges
We charge for platform administration only — no embedded advice or commission-based fees.
No commission-based product structures
We do not receive or pay product commissions. Our fee structure is transparent and fixed.
Clear separation of responsibilities
Investment decisions are yours or your adviser's. We provide the platform and administration.
If you need financial advice, you should speak to a regulated financial adviser.
Not sure where to start?
Tell us where your pension is currently held and where you live. We will explain how the process usually works and whether Invinitive may be able to support your transfer.
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority (FRN 964301). The Invinitive SIPP is a UK registered pension scheme. Investments can fall as well as rise in value and you may get back less than you invest.