Last updated29 August 2019


Charges are subject to VAT although shown excluding VAT
Initial/Set up fee£350
Annual fee£420 for Single Portfolio SIPP (which allows one platform or one investment manager who is pre-approved by Dentons)

£570 for Full SIPP
Transfer in fee£50 per transfer
Transfer out feeFrom £250. This includes the winding up of the SIPP, preparation of legal documents to close the trust, moving cash & completion of transferring information request form.
In-specie transfer in feeTime cost
Taking Benefits
Flexi-Access Drawdown:

Benefit Crystallisation £250

Payment of regular pension £120 per annum

Annual review £110 per review

Capped Drawdown:

Benefit Crystallisation £250

Payment of regular pension £120 per annum

Annual review of pension income £180 per review (can opt out in writing)

Formal review of pension income £250 per review (mandatory)

Conversion of capped drawdown to flexi-access drawdown pension £Nil

Uncrystallised funds pension lump sum:

Benefit Crystallisation £250
Annuity purchase feeFrom £200
Payment of death benefits feeFrom £200
Other feesSetting up investment portfolios or platforms, from £180

Non standard asset transaction, from £500

Opening additional bank accounts, from £127 per account

HMRC Scheme Return fees £60 per annum


Access: Direct or via IFABoth

Online capability

DetailsDentons has an existing client online portal where clients & their advisers can see details of the SIPP records online, including:
·          Assets held
·          Consolidated valuations
·          Cash account balance
·          Contributions made
·          Transfers - a history of all transfers both in and out of the SIPP
·          Income drawdown information - such as benefits taken and benefit calculations

A demo can be viewed at

All literature and case studies are available to download.

Permitted Investments

Commercial property
Overseas property
Unit trusts & OEICSAll platforms allowed
External deposit accounts Yes, subject to restrictions
Overseas listed stock and sharesAll stockbrokers allowed
UK listed stocks and sharesAll stockbrokers allowed
AIM sharesAll stockbrokers allowed
Gilts/corporate bondsAll stockbrokers allowed
ETFsAll stockbrokers allowed
Investment trustsAll stockbrokers allowed
Discretionary managementUnrestricted access
National Savings & Investments
Unlisted sharesUK unlisted shares only and subject to approval
Structured products
Trustee Investment Plans
Insurance company funds
Hedge funds
Traded endowment plans
Peer to Peer Lending
Intellectual propertySubject to a full review of the proposed investment by the Dentons Investment committee
Brands / TrademarksSubject to a full review of the proposed investment by the Dentons Investment committee
Third party loansSubject to a full review of the proposed investment by the Dentons Investment committee. Third party loans need to be secured and a minimum of £5,000 liquid funds need to be kept in the SIPP

Property purchase

Purchase feeFrom £800 per property
Sale feeFrom £250 per property
Annual property administration feeTimecost - Dentons will apply a fee for ensuring rental invoices are issued, rental monies are collected and that the property is appropriately insured and for other property administration, as required.
VAT registration fee£190
VAT return fees£125
Other feesEnvironmental search, £150

SIPP Bank Account

SIPP bank account providerCater Allen
Current interest rateUp to £99,999 - 0.25%
£100,000 - £499,999 - 0.40%
£500,000 plus - 0.50%


Scheme trusteesThe Declaration of Sub-Trust sets up the SIPP under the umbrella of a master trust and appoints you as the co-trustee of your SIPP along with Denton & Co Trustees Limited.
Scheme administratorDentons Pension Management Ltd

Minimum contributions

Regular paymentsNo minimum
Transfers/Single Premiums£50,000
Min additionalNo minimum

Company Information

OwnershipPrivately owned
Year established1996
Funds under adminstrationOver £3.8 billion SIPP funds under administration
Number of SIPPs administeredover 6,400
Defaqto RatingFive Stars


Accepts benefits from defined benefit / final salary schemes?
Yes. If the transfer is over £30,000, a positive recommendation from a Transfer Specialist is required


Flexi-Access Drawdown offeredYes
Uncrystallised Funds Pension Lump Sum offeredYes
Scheme Pension offeredNo

Need advice on your SIPP?

Contact our team of SIPP specialists today:

0115 933 8433

Online enquiry form

Dentons SIPP

Dentons have been providing SIPPs since 1996. Currently, Dentons run over 6,400 Self Invested Personal Pension (SIPPs) with over £3.8 billion funds under management.

The Dentons SIPP allows investment in a wide range of different investments including shares, gilts, corporate bonds, funds, OEICs, commercial property and SIPP deposit accounts.

Open to both direct investors and for those people who use an IFA the Dentons SIPP has no minimum lump sum or monthly contribution and can also be used to accept transfers in. Though a minimum fund value of £50,000 is usually required.

The mandated SIPP bank account is held with Cater Allen.