
A crypto pension SIPP (Self-Invested Personal Pension) allows UK adults to invest in crypto exchange-traded notes (ETNs) within their pension, benefiting from tax relief on contributions and tax-free growth until retirement. The annual contribution limit for a SIPP in the 2025/2026 tax year is £60,000, or 100% of annual earnings (whichever is lower), and higher-rate taxpayers receive immediate tax relief on their contributions. Only UK residents aged 18 or over can open a SIPP, and investments must be made through regulated providers offering eligible crypto ETNs. This structure provides a tax-efficient way to build a crypto allocation for retirement, with all gains shielded from Capital Gains Tax and Income Tax as long as the assets remain within the pension wrapper.
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