{"id":204439,"date":"2025-08-31T12:27:37","date_gmt":"2025-08-31T12:27:37","guid":{"rendered":"https:\/\/adamfayed.com\/?p=204439"},"modified":"2025-08-31T12:27:37","modified_gmt":"2025-08-31T12:27:37","slug":"myexpatsipp-review","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/review-articles\/myexpatsipp-review\/","title":{"rendered":"Revisi\u00f3n de MyExpatSIPP"},"content":{"rendered":"<p>MyExpatSIPP is an online SIPP or Self-Invested Personal <a href=\"https:\/\/adamfayed.com\/es\/financial-planning\/personal-financial-planning\/pensions\/pension-providers\/\">Pension provider<\/a> aimed at expatriates and non-UK residents.<\/p>\n\n\n\n<p>It is a low-cost, fully online option that targets a simple way for expats to manage or consolidate UK <a href=\"https:\/\/adamfayed.com\/es\/personal-financial-planning\/pensions\/\">pensiones<\/a> del extranjero.<\/p>\n\n\n\n<p>However, some concerns have been raised about its past business links and limitations in certain jurisdictions, meaning it suits cost-conscious, DIY expat investors but may not be ideal for those wanting full-service financial advice.<\/p>\n\n\n\n<p>In this MyExpatSIPP <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/es\/category\/review-articles\/\"   title=\"revise\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"2448\">revise<\/a>, we\u2019ll look at how the platform works, its login and account features, fees, pension safety measures, common complaints, and the main pros and cons.<\/p>\n\n\n\n<p>Mis datos de contacto son hello@adamfayed.com y WhatsApp +44-7393-450-837 si tiene alguna pregunta.<\/p>\n\n\n\n<p>La informaci\u00f3n contenida en este art\u00edculo es meramente orientativa. No constituye asesoramiento financiero, jur\u00eddico o fiscal, ni una recomendaci\u00f3n o solicitud de inversi\u00f3n. Algunos hechos pueden haber cambiado desde el momento de su redacci\u00f3n.<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Suscr\u00edbase gratis\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Desc\u00fabrelo ahora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is MyExpatSIPP?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.myexpatsipp.com\/\" target=\"_blank\" rel=\"noopener\">MyExpatSIPP<\/a> was founded in 2017 to help people who built up UK pensions before moving abroad manage those pensions online.<\/p>\n\n\n\n<p>Their online platform gives clients a digital dashboard showing pension balances, contributions, withdrawals, and investment performance.<\/p>\n\n\n\n<p>For example, users can view the current value of the SIPP and see a chart of value vs. net amount invested over time.<\/p>\n\n\n\n<p>The interface also allows placing trade instructions and viewing transaction history.<\/p>\n\n\n\n<p><strong>Key MES features include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La capacidad de <a href=\"https:\/\/adamfayed.com\/es\/retirement\/pension\/pension-transfers-red-flags\/\">transfer pensions<\/a> into a single online SIPP account, giving full control over how the pension is invested.<\/li>\n\n\n\n<li>Access to pension funds from age 55 with flexible withdrawal options including lump sums, regular income, or a combination, with payments possible to non-UK bank accounts.<\/li>\n\n\n\n<li>A broad selection of <a href=\"https:\/\/adamfayed.com\/es\/investment-options\/uk-expat-investment-options\/\">opciones de inversi\u00f3n<\/a> such as Exchange Traded Funds (ETFs), Investment Trusts, Unit Trusts &amp; OEICs (mutual funds), and ready-made portfolios, allowing for diversified investment management.<\/li>\n\n\n\n<li>Choice of base currency for the account, investment currencies, and pension payments.<\/li>\n\n\n\n<li>Offering guidance on pension management and residency implications for expats.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">MyExpatSIPP login<\/h3>\n\n\n\n<p>MyExpatSIPP provides an online login portal for clients. The website splits users into two groups: those who joined after 31 July 2024 and those who joined before 1 August 2024.<\/p>\n\n\n\n<p>New clients post\u2011July 2024 are directed to a new <a href=\"\/es\/clientplatform.mespensions.com\/\">MyExpatSIPP platform<\/a>, while legacy clients use the <a href=\"\/es\/online.myexpatsipp.com\/\">older portal<\/a>.<\/p>\n\n\n\n<p>In addition, there is a separate MyExpatSIPP&nbsp;login link for accounts held on the <a href=\"https:\/\/login.fundment.com\/fng\/login\/?firm=myexpatsipp\" target=\"_blank\" rel=\"noopener\">Fundment platform<\/a>.<\/p>\n\n\n\n<p>Each portal requires the client\u2019s credentials. In practice, an expat user logs in through the appropriate link on the MyExpatSIPP site, which then opens the secure dashboard for that client\u2019s SIPP account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">MyExpatSIPP fees<\/h3>\n\n\n\n<p>MyExpatSIPP charges a fixed annual fee of at least \u00a3360 per year plus a percentage of assets. There are two plans:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>MES Essentials SIPP<\/strong>: \u00a3360 per year, plus 0.30% per annum of the total balance. This plan requires a minimum SIPP value of \u00a335,000 and invests in a single default fund (the Vanguard 60\u201370% Equity Fund).<\/li>\n\n\n\n<li><strong>MES SIPP (full SIPP)<\/strong>: \u00a3435 per year, plus 0.35% on balances up to \u00a31 million, and 0.20% on any portion above \u00a31 million. This plan requires a \u00a350,000 minimum and allows a full range of investments (ETFs, trusts, mutual funds, multi-currency investments, cash, etc.).<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>The company said that these fees are simple and transparent with no hidden commissions.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image alignright size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"341\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/08\/MyExpatSIPP-UK-pensions-512x341.jpg\" alt=\"MyExpatSIPP\" class=\"wp-image-206757\" style=\"width:387px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/08\/MyExpatSIPP-UK-pensions-512x341.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/08\/MyExpatSIPP-UK-pensions-300x200.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/08\/MyExpatSIPP-UK-pensions-768x512.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/08\/MyExpatSIPP-UK-pensions-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.pexels.com\/@karolina-grabowska\/\" target=\"_blank\" rel=\"noopener\"><sub><sup>Photo By: Kaboompics.com<\/sup><\/sub><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Is My SIPP pension safe?<\/h3>\n\n\n\n<p>MyExpatSIPP highlights several safety features. It is directly authorised and regulated by the UK Financial Conduct Authority (FCA).<\/p>\n\n\n\n<p>Because of this UK regulation, UK-resident clients are covered by the Financial Services Compensation Scheme (FSCS).<\/p>\n\n\n\n<p>Client assets are held in ring-fenced accounts. The platform uses an independent custodian to hold all money and investments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">MyExpatSIPP complaints<\/h3>\n\n\n\n<p>User reviews of MyExpatSIPP are generally positive but note a few issues.<\/p>\n\n\n\n<p>Overall, the positive feedback highlights simplicity of the process, ongoing support, and good communication.<\/p>\n\n\n\n<p>On the other hand, complaints are mostly concentrated in operational areas (timing, third-party admin, platform migration and communication).<\/p>\n\n\n\n<p>Most negative reviews describe frustration at delayed timelines rather than allegations of mishandled client assets or fraud. &nbsp;<\/p>\n\n\n\n<p>Aside from that one Trustpilot complaint about slow payout, most reviewers report smooth transfers and helpful support.<\/p>\n\n\n\n<p>The company frequently responds publicly to explain delays and remediation, which suggests many problems stem from complex back-office or third-party failures rather than systemic custody or regulatory issues.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pros and cons of MyExpatSIPP<\/strong><\/h2>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>UK-regulated. <\/strong>FCA-regulated platform and published fee schedule.<\/li>\n\n\n\n<li><strong>Custody segregation &amp; established custodians<\/strong>. Client assets are held by an independent custodian.<\/li>\n\n\n\n<li><strong>Transparent, published fees<\/strong>. Clear annual + percentage fee schedules make pricing easy to model.<\/li>\n\n\n\n<li><strong>Expat focus<\/strong>. Make it easy for non-UK residents to onboard and track pensions.<\/li>\n\n\n\n<li><strong>Positive customer service reports<\/strong>. Generally positive customer service on transfers and account management in public reviews.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Contras<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Processing delays possible<\/strong>. Withdrawals, transfers or admin tasks can be delayed, particularly when third-party administrators or legacy providers are involved.<\/li>\n\n\n\n<li><strong>Fees relative to very small accounts<\/strong>. The fixed annual fee means the effective % cost is higher for small balances; better for medium-to-large SIPPs.<\/li>\n\n\n\n<li><strong>Investment risk remains<\/strong>. Platform safety \u2260 investment performance; clients bear market risk.<\/li>\n\n\n\n<li><strong>Jurisdictional complexity<\/strong>. Expats must still consider their tax\/residency rules at home; the SIPP does not automatically simplify foreign tax treatment.<\/li>\n\n\n\n<li><strong>Third-party referral risk<\/strong>. The alleged historical introductions to Hartley Pensions (now in administration) highlight that even a regulated front-end can be harmed by third-party failings. That risk must be probed for each historical transfer.<\/li>\n\n\n\n<li><strong>Reputational questions<\/strong>. Links, even historical, to a scandal will increase scrutiny from clients and regulators and could slow future transfers or payouts if legacy cases remain unresolved.<\/li>\n\n\n\n<li><strong>Not a personal financial adviser<\/strong>. While they provide platform and admin support, complex tax or cross-border planning often requires an adviser in the client\u2019s country of residence.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQS<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-question-1756124437857\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Can I open a SIPP if I live abroad?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes, usually, but with conditions.<\/p>\n<p>Most SIPP providers will let you open one while abroad, if you have UK earnings or you\u2019re still considered UK-resident for tax purposes.<\/p>\n<p>If you are non-UK resident and have no UK relevant earnings, your ability to open a new SIPP is limited. Some providers may accept you for transfers of existing <a href=\"https:\/\/adamfayed.com\/es\/retirement\/pension\/can-i-save-into-a-uk-pension-plan-if-i-live-abroad\/\">UK pensions<\/a>.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756124470527\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Can I keep my SIPP if I move abroad?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes. You do not need to close or transfer your SIPP if you move overseas. Your SIPP remains a UK-registered pension, and you can leave it invested.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756124253255\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Is the SIPP pension worth it?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes, if you want control and have enough assets to justify the admin and investment risks.<\/p>\n<p>For expats, SIPPs are often attractive because they can consolidate scattered UK pensions into one account, keep control over investment choices, and still potentially benefit from tax efficiency.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756124266620\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Is my money safe in a SIPP?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>SIPPs are regulated by the UK\u2019s Financial Conduct Authority. Cash and investments held in a SIPP are usually protected up to \u00a385,000 per provider under FSCS if the provider fails.<\/p>\n<p>Your capital is invested, so market risk remains.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756124279802\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">What are the downsides of a SIPP?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>The downsides of a SIPP are that it can be costly due to platform and trading fees, complex to manage since you make your own investment decisions, risky if you choose unsuitable or unregulated investments, and limited in tax relief if you live abroad.<\/p>\n<p>Added potential issues are currency exchange and cross-border taxation.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756124300830\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">What is the safe withdrawal rate for SIPP?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>The safe withdrawal rate (SWR) is the % you can sustainably withdraw each year without depleting your pot too quickly.<\/p>\n<p>For many expats, planning around 3%\u20133.5% is prudent, with flexibility for market downturns.<\/p>\n<p>Your personal safe rate depends on investment mix, longevity, taxes, etc.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>MyExpatSIPP is an online SIPP or Self-Invested Personal Pension provider aimed at expatriates and non-UK residents. It is a low-cost, fully online option that targets a simple way for expats to manage or consolidate UK pensions from abroad. However, some concerns have been raised about its past business links and limitations in certain jurisdictions, meaning [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":204440,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"no","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[{"account":"facebook_10166176115445471_100883565069113","service":"facebook","timestamp":1756643307,"status":"error"}],"rop_publish_now_status":"done","footnotes":""},"categories":[11534],"tags":[],"class_list":["post-204439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review-articles"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/204439","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=204439"}],"version-history":[{"count":3,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/204439\/revisions"}],"predecessor-version":[{"id":206760,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/204439\/revisions\/206760"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/204440"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=204439"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=204439"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=204439"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}