Trading 212 Secures FCA Approval for Self-Invested Pensions

Trading 212 has received authorization from the UK's Financial Conduct Authority to offer self-invested personal pensions, marking a long-anticipated expansion of its product suite. The FCA granted approval in February 2026, though the platform first signaled its intent to launch SIPPs as early as April 2020.

SIPPs have grown as a popular, flexible alternative to traditional pensions, with UK users managing an estimated £650 billion in assets by late 2025. The move follows competitors like CMC Markets, which launched a similar offering in 2024. A parallel trend is visible in Europe, where products like Poland's IKE and IKZE accounts drove significant growth for brokers like XTB in 2025.

This expansion follows a regulatory encounter earlier in 2026, when the FCA found Trading 212 had offered crypto ETNs without proper authorization. The firm later obtained the necessary permissions. The regulator had cleared such instruments for SIPPs in October 2025, and Trading 212 expanded its crypto services via its Cyprus entity that same month.

Despite its geographic expansion, the UK remains core to Trading 212's business, contributing £150 million of its £194.1 million revenue in 2024.