Frequently Asked Questions
Find answers to common questions about @sipp, our products, and working with us.
General Questions
@sipp (atsipp Limited) is an FCA-authorised and regulated provider of Self-Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSAS). We work exclusively with financial advisers to provide pension administration services for their clients.
Becoming an adviser partner is straightforward. Simply contact us or your local BDM to discuss your requirements. We'll set up your adviser account and provide full training on our products and systems. There are no minimum business volumes or ongoing commitments required.
We work with adviser firms across the UK. Our BDM team provides regional coverage, with dedicated managers in Scotland, England, Wales and Northern Ireland. Find your local BDM.
You can contact us by phone on 0141 204 7950, by email at enquiries@atsipp.co.uk, or through your BDM. Our team is available Monday to Friday, 9am to 5pm.
SIPP Questions
Our SIPP accepts a wide range of investments including:
- UK and international equities
- Unit trusts, OEICs, and investment trusts
- ETFs and structured products
- Fixed interest securities
- Commercial property
- Cash deposits
- Alternative investments (subject to due diligence)
You can find all applicable SIPP fees in this document: SIPP fee schedule.
Yes, our SIPP can hold commercial property including offices, retail premises, industrial units, and land. Our experienced property team can guide you through the purchase process. Learn more about property SIPPs.
We offer full flexibility under the pension freedoms including flexi-access drawdown, UFPLS (uncrystallised funds pension lump sum), phased drawdown, and capped drawdown for existing arrangements. Regular income or ad-hoc withdrawals can be arranged.
An online application is processed and setup same day, where possible, subject to successful anti-money laundering checks. Transfer requests are normally submitted to the ceding pension scheme via Origo within two working days.
SSAS Questions
A Small Self-Administered Scheme (SSAS) is an occupational pension scheme typically set up by a company for its directors and key employees. It offers greater flexibility than a SIPP, including the ability to lend money back to the sponsoring employer.
A SSAS can have up to 11 members, who are typically directors or employees of the sponsoring company and their family members. This makes it ideal for family businesses and succession planning.
A SSAS can lend up to 50% of its net asset value back to the sponsoring employer for genuine business purposes. The loan must be at a commercial rate (typically 1% above Bank of England base rate) and secured against business assets. Maximum loan term is 5 years.
Yes, a SSAS can purchase commercial property, including the premises used by the sponsoring employer. The company then pays rent to the SSAS at a market rate, which is tax-deductible for the company and tax-free within the pension.
Employer contributions to a SSAS are not limited by the annual allowance (though they must pass the 'wholly and exclusively' test for corporation tax relief). Member contributions are subject to the normal annual allowance rules.
Adviser Questions
Once you're registered as an @sipp adviser partner, we'll provide you with login credentials for our online portal. You can then access it 24/7 at atsipp.co.uk/sign-in. Contact us if you've forgotten your login details.
We provide comprehensive training for new adviser partners, including product training, portal training, and ongoing CPD opportunities. Your BDM can also provide bespoke training sessions for your team.
Applications can be submitted through our online portal or using our PDF application forms. The portal is the fastest option with built-in validation and e-signature capability.
Our technical team is available to assist with complex cases, including property purchases, unusual investments, and challenging regulatory situations. Contact your BDM or our technical helpline for guidance.