Last updated1st September 2014
01722 717 060

Unit 11, Manor Farm, Chilmark, Salisbury, SP3 5AF

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Charges are subject to VAT although shown excluding VAT
Initial/Set up fee£0 Cash SIPP

£0 Funds SIPP

£100 Stockmarket SIPP

£150 Bespoke SIPP
Annual fee£100 Cash SIPP

£0 Funds SIPP

£250 Stockmarket SIPP

£350 Bespoke SIPP
Transfer in feeNone
Transfer out fee£100

In specie transfer out fee, time costed, minimum £100
In-specie transfer in feeTime costed, minimum £100
Income Drawdown
Initial: £150

Ongoing: £100 per year
Additional Income Drawdown fees
Annuity purchase fee£100
Payment of death benefits fee£100
Other feesUpgrading of the SIPP during 1st year, difference in 1st year charges

Upgrading the plan in subsequent years, difference in annual charges

In specie contributions, time costed, minimum £50

Refund of contribution, time costed, minimum £50

Sending funds by cheque £20

Sending funds by BACS no charge

Sending dfunds by CHAPS £20 plus any additional banking charges

Set up or closure of a Bank of Scotland account £50

Set up or closure of an external bank account £100

Set up or closure of an external offshore bank account £150

Bank & building society account charge £100 if not held with Bank of Scotland

Set up or closure of UK investment accounts £100

Additional UK investment account annual charge £100 per year

Set up or closure of offshore investment account £250

Additional offshore investment account annual charge £250 per year

Purchase or sale of Endowment or Traded Endowments, time costed, minimum £75 per policy

Purchase or sale of a single premium Trustee Investment Plan, £25 per investment plus £50 - £100 per year

Direct purchase of Unit Trusts, OEICs, hedge Funds £25 per investment

Direct purchase of National Savings, Corporate Bonds, Savings Bonds and other non bank account savings products £25 per investment

Direct purchase or sale of all other assets, time costed, minimum £50


Access: Direct or via IFABoth

Online capability

DetailsLimited online functionality: Contribution and transfer histories available

Permitted Investments

European Pensions Management run a range of SIPPs including Cash SIPP, Funds SIPP, Stockmarket SIPP and Bespoke SIPP, the following list of allowable investments can be placed in one or more of these plans
Commercial property
Overseas property
Unit trusts & OEICSWide range of platforms available
External deposit accountsUnrestricted access to all 'sippable' deposit accounts
Overseas listed stock and sharesWide range of stockbrokers allowed
UK listed stocks and sharesWide range of stockbrokers allowed
AIM sharesWide range of stockbrokers allowed
Gilts/corporate bondsWide range of stockbrokers allowed
ETFsWide range of stockbrokers allowed
Investment trustsWide range of stockbrokers allowed
Discretionary managementWide range of discretionary managers available
National Savings & Investments
Unlisted shares
Structured products
Trustee Investment Plans
Insurance company funds
Hedge funds
Traded endowment plans
Intellectual property
Brands / Trademarks
Third party loans

Property purchase

Purchase fee
Time costed, minimum of £600 per property
Sale feeTime costed, minimum of £400 per property
Annual property administration fee£400 per annum
VAT registration fee£250
VAT return fees£50 per quarter
Other feesLease renewal fee, time costed, minimum £100

Multiple member charge for properties bought by two or more members £100 per member

Other work completed on a time costed basis

Property involcing refurbishment, time costed, minimum £500 per contract

Charge for use of non panel solicitors £500

Charge to process scheme borrowing, time costed, minimum £100

SIPP Bank Account

SIPP bank account providerBank of Scotland
Current interest rate0.10%


Scheme trusteesEuropean Pensions Management Limited
Scheme administratorEuropean Pensions Management Limited

Minimum contributions

Regular paymentsNo minimum
Transfers/Single PremiumsNo minimum
Min additionalNo minimum

Company Information

OwnershipPrivately owned
Year established2001
Funds under management£500 million
Number of SIPPs administered4,600
Defaqto RatingNot rated


Accepts benefits from defined benefit / final salary schemes?


Flexible Drawdown offeredYes
Scheme Pension offeredNo

Need advice on your SIPP?

Contact our team of SIPP specialists today:

0115 933 8433

Online enquiry form

European Pensions Management Bespoke SIPP

European Pensions Management has been trading since 1998 and offer both Self Invested Personal Pensions (SIPPs) and Small Self Administered Schemes (SSAS).

European Pensions Management currently administers around 4,000 SIPPs with total funds under management in the region of 4,000.

The European Pensions Management SIPP is available both directly to investors and via IFAs with no minimum regular, lump sum or transfer contribution needed to open a SIPP.

Investors can access a wide range of assets within the European Pensions Management SIPP, from external deposit accounts to shares, gilts and corporate bonds to commercial property. The level of charges reflects the diversity of investments required.

The mandated SIPP bank account is held with Bank of Scotland and currently pays below the average level of interest from such an account, however the EPM SIPP does allow access to external deposit accounts.