Save tax free for retirement with Crypto Pension

No direct "crypto SIPPs" exist under 2026 UK rules—cryptoassets cannot be held in pensions, as they fail HMRC's "permitted pension investments" criteria. Instead, gains trigger Capital Gains Tax (CGT) outside wrappers, with a £3,000 exemption for 2025/26.

Current SIPP Rules

SIPPs allow investments in regulated assets like shares or approved ETPs/ETNs via FCA platforms (e.g., AJ Bell, Hargreaves Lansdown), but direct crypto, unlisted tokens, or pure crypto ETNs are banned. Annual contributions cap at £60,000 or 100% of earnings (whichever lower), with tax relief: basic-rate gets 20%, higher-rate 40%, additional-rate 45%—credited automatically or via self-assessment. Funds grow tax-free until drawdown (age 55+), but crypto exposure is limited to indirect, FCA-approved products.

Closest Crypto Options

- Select SIPPs with "alternative" asset menus for crypto-linked ETPs (e.g., Bitcoin ETPs on London Stock Exchange), but verify FCA status and high risk warnings.

- Use a General Investment Account (GIA) or SIPP for diversified ETPs tracking crypto indices, accepting CGT on disposals.

- Track all buys/sells for CGT; losses offset gains over four years.