InvestEngine vs Freetrade SIPP: My 2026 Comparison

InvestEngine and Freetrade both remove the account fee and dealing commission from their lowest-cost self-directed SIPP. A £10,000 account and a £500,000 account therefore produce the same £0 provider charge in the six-balance model.

The decision rests on what the pension will hold and how it will eventually pay retirement income. InvestEngine restricts investors to ETFs. Freetrade offers more asset types, while InvestEngine has the stronger retirement-access position under the current terms.