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Once your TD SIPP is set up you can pay single (one-off) contributions or regular contributions at any time subject to a minimum of £400 (net) for single contributions and £40 (net) for regular contributions.

You can receive tax relief on your personal contributions up to 100% of your earnings. For example, if your annual salary is £30,000 you can contribute £24,000 (net) into your TD SIPP. We will claim tax relief of £6,000 and this will be credited to your SIPP on receipt.

If you have no UK earnings, or are earning less than £3,600 a year you can still pay in contributions up to £2,880 (net) and we will claim tax relief of £720.

There is a limit on the contributions you can pay and receive tax relief. The annual allowance is currently £40,000.

How much you should contribute to your TD SIPP will depend on your circumstances and aspirations for your retirement.

Simple, Fast and Easy Contributions

With a TD SIPP you can contribute easily to your pension fund:

  • Your employer can contribute by direct debit
  • You can sell shares and buy them back into your TD SIPP (this is known as a Bed and SIPP)
  • You can set up a regular direct debit to pay into your TD SIPP from your bank account
  • You can easily make additional contributions online from your debit card
  • You can make a direct contribution from one of your other TD Direct Investing accounts (excluding Trading ISA)
  • You can invest in selected investment types on a monthly basis automatically within your TD SIPP with our Regular Investing option.

Receiving Advice

The TD SIPP is an execution only SIPP.

TD Direct Investing, AJ Bell Management Limited and Sippdeal Trustees Limited are not authorised to provide any advice on your SIPP. We understand that you may wish to seek advice at important key events throughout the lifecycle of your TD SIPP.

If you need advice you should contact a suitably qualified financial adviser. You can ask TD Direct Investing to make payment for this advice on your behalf from within your TD SIPP. Please download and complete our Financial Adviser Charging Form to authorise TD Direct Investing to make a payment to your financial adviser.

What you need to know before you open an account

Please make sure that you have read and understood all of the relevant documentation below.

Further details are also available in the Terms of Service which you should refer to before applying for an account


All investments carry a varying degree of risk. It's important that you understand the nature and risks of the different investments available through TD Direct Investing. You may not get back the money you invest and you should not view the past performance of investments as a guide to their future performance. Read more about the risks of investing.

Your money and investments

Before applying for an account it is important you understand how your money and investments will be held and the investor protection schemes that apply. We will hold your money in accordance with the FSA's client money rules and we may pool your investment with those of other customers. Read more about how we will hold your money and investments.

Conflicts of interest

We have a conflicts of interest policy that identifies circumstances that constitute, or may give rise to, conflicts of interest which pose material risk of damage to one or more of our customers. Read more about our conflicts of interest policy.

Summary of charges

Trading commissions start from £5.95 depending on how often you trade. Our standard online rate is £12.50 and it will cost more for trades on non-UK markets.

If you hold funds a platform fee will apply. If you move your stock transfer out charges will apply. See our rates and charges.

Key Features Illustration

When applying online you will be asked to produce a Key Features Illustration, which gives you important information to help you decide if the TD SIPP is right for you. You will be taken to AJ Bell's website to do this. Before applying online you can take a look at AJ Bell's Illustration website and read the Key Features Illustration fact sheet and Key Features Document.

Open a TD SIPP

Call 0800 138 1900


Go to SIPP forms

Lines are open Monday to Friday 7.30am to 9pm and Saturdays 9am to 3pm

Return the form to us at Customer Accounts Dept., TD Direct Investing, Exchange Court, Duncombe Street, Leeds LS1 4AX


  • If you have any doubts about the suitability of a SIPP or you need further advice, you should seek advice from a suitably qualified financial adviser.
  • The value of investments held in a SIPP can fall as well as rise and are not guaranteed. You may get less back than the amount invested which may affect the value of the income you receive in retirement.
  • Before opening a SIPP you will need to read the Key Features Document and the other important documents. You can download these from the links below.
  • Please note that tax benefits mentioned are subject to change in the future.
  • Foreign markets will involve different risks from the UK markets. In some cases the risks will be greater.
  • The potential for profit or loss from transactions on foreign markets or in foreign denominated contracts will be affected by fluctuations in foreign exchange rates.
  • If you are unsure about any aspects of the features or risks of these products, you should obtain advice from a qualified financial adviser.

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